Convenience Services

It can be difficult to remember your account numbers and telling your accounts apart, which is why we give you the option to rename your accounts. Are you saving for a special vacation? You could name your savings account Vacation.

To give your account a new name or modify an existing one, follow these steps:

1. Sign into your eBranch Account on kineticCU.com. This can not be done within the Kinetic app.
2. Click on Settings in the Accounts section.
3. Edit the name of the account.
4. Enter a nickname for your account in the Nickname field.
5. Save and click Go to My Accounts.
6. Your new Account Name will be listed.

*Renaming your account will only serve as a nickname. This will not change the name of the account on your statement. The nickname will appear within eBranch and the Kinetic App.

Always on the go? Kinetic's online and mobile services can help you manage your finances anywhere so you have more time for the things that matter to you!

Mobile Services

Mobile Apps from Kinetic are the ultimate freedom with access to account balances, transfers, payments and more through Mobile Banking Apps for Apple® and Android® devices. Mobile Banking Apps are free applications available for download in the App Store® and Google Play®.

Mobile Deposit from Kinetic is like having a branch that is open 24 hours a day, seven days a week, wherever you have your mobile device. Simply upload images of the front and back sides of your endorsed check to deposit funds directly into your Kinetic Checking or Business Checking accounts.

Mobile Payments allows you to load your Kinetic VISA® debit or credit card to your phone and other devices to make fast and easy transactions almost anywhere you shop. Mobile payments represent the latest way to get the most out of your Kinetic VISA® card: a quick and simple way to make payments.

eServices

eDocuments, eDeposits and eStatements
With these eServices, you can elect to receive all of your notices electronically, make check deposits using any typical scanner, and view your savings and checking account statements each month, all from the convenience of your home or office.

eBranch Instant Access
If you can access the Internet, you can access real-time account information, anywhere in the world.

Be sure to check out our eServices demo site to see how our eServices work.

Put money back in your pocket with Purchase Rewards! Just shop with your Kinetic debit card and get cash back rewards deposited directly into your checking account. It’s easy and it’s FREE!

• Manage it through your Kinetic Mobile App
• No limit to the rewards you can earn
• No coupons to print

Rewards deposited directly into your checking account

Get started today:

• Log in to eBranch.

Click on new offers to activate them. Be sure to follow the instructions for that offer as some offers differ from others.

Enjoy! We’ll deposit the cash back rewards you’ve earned directly into your Kinetic checking account within 60 days after you redeem the offer.

Log into your eBranch account today to start enjoying the benefits of Purchase Rewards!

Bill Payment and Presentment allows you to receive, view, manage, and pay your paper and electronic bills from within eBranch. Whether it's utilities, your mortgage or even your babysitter, you have the freedom to pay your bills when you want and from the comfort of your own home.

You can schedule payments 24 hours a day, seven days a week, and there is no limit on the number of bills you pay per month. Members with a checking account can register by simply clicking on the Bill Pay link in the eBranch menu.

We take your security and privacy very seriously. In an effort to protect you from current fraud trends, we have restricted certain types of transactions and locations. Informing us of travel isn’t required, but will help ensure that your card purchases are not declined by our Fraud Detection Center. If suspicious transactions are detected, a fraud specialist will attempt to call you.

To notify us of your travel planes, log in to eBranch and send us a secure form, or call 706.320.8500 or toll free at 1.877.332.1269.

How to safeguard your information with the CardValet app during Travel?

Download the app from your iPhone® or Android® device

• Use the GPS on your smartphone to set location-based controls
• Lock and unlock your cards
• Monitor when, where and how your cards are being used
• Set spending limits
• Instantly act on transaction alerts

Information to Take with You

• The Kinetic Credit Union Call Center is available Mon­–Fri 8:30 a.m. to 5:00 p.m. EST.
• Phone: 706.320.8500 or 1.877.332.1269
• After Hours Support is available 24/7 at the telephone numbers below:
• To report a Lost/Stolen card: 1.844.436.1753
• Card Dispute Department: 1.844.436.1754

Fraud Detection Center: 1.877.253.8964

Please Note: It is advisable to carry more than one payment method when traveling. Kinetic Credit Union also offers Visa prepaid cards. Ask a Kinetic representative for more details.

Climb to new heights with the MX® Money Management financial management tool that can be accessed through eBranch. Visualize and interact with your money in the most epic ways. View all your accounts and transaction in a single location. Bubble Budgets that move with you. Learn where and how you spend. Receive timely alerts and notifications.  

Know Your Finances
See all your accounts, including those with other financial institutions.

Track Your Budget
Bubbles help you understand the relative health of your budgets instantly.

Watch Your Spending
Every transaction is automatically categorized so you can spend smarter.

Easy, convenient and secure, it’s the perfect travel companion for wherever you may go worldwide. The TravelMoney® card can be used anywhere in the world VISA® is accepted. Enjoy enhanced benefits such as purchase security, travel and emergency assistance, and lost luggage reimbursement.

The TravelMoney card can be funded with your checking or savings account, but it is not linked to those accounts, which provides added security. Before you travel, visit a Kinetic branch and activate your VISA TravelMoney card.

The VISA® Everyday Spend is a prepaid, reloadable debit card accepted at millions of locations worldwide. This unique card is great for added security in online purchases, because it is not linked to your checking account. The Everyday Spend card is also a good choice for budgeting for your disposable income. Visit a Kinetic branch to activate your Every Spend card.

Download the app for your iPhone® or Android® device to easily manage your TravelMoney or Everyday Spend prepaid card. The app can easily be linked to your card so that you can enjoy these great benefits:

• View account balances
• View transaction history
• Deposit checks to prepaid card
• Transfer funds to other CUMONEY® cardholders
• Search for participating CUMONEY locations

At Kinetic Credit Union, we know you’re always looking for ways to save time and make life more convenient. Now you have one more way to quickly, efficiently and safely make your loan payments or deposits so you can get back to what’s most important — your life.

External Loan Payment

Paying your Kinetic loan just got easier—especially if your primary bank account is elsewhere.

• Make loan payments from external checking or savings accounts
• Ideal for members who use Kinetic for loans but bank elsewhere
• Access this feature via the “Pay” menu in Online Banking and the Mobile App

Details:

• Only one payment of the same amount to the same loan can be scheduled per day
• Up to two active recurring payments can be set up for the same to/from accounts
• Maximum payment amount: $3,000 per day
• No fees from Kinetic Credit Union to use this service

Pre-authorized Draft from your Account

• The payment will be pulled on the due date of each month from either your checking or savings account.
• Transfer Option on Mobile Banking or eBranch
• Transfer funds from one of your Kinetic accounts to your loan.
• Move Money Option on your Kinetic eBranch Account
• This option allows you to move money to or from other institutions.

Cash or Check

• Payments are accepted through the Drive-thru when paying with cash or check.

Cash Advances

• Processed on VISA® debit or credit card only in the lobby of our Full Service Branch Locations.

Bill Pay from your Primary Institution

• Our routing number is 261171671. We can provide you with a form that contains all the information you will need.

Pay by Phone

• Contact our Communication Center at 706.320.8500, select option 5 and then option 2. There is a $15 fee for this service.

Online Payment

• Click here to make a payment on your loan or to make a deposit using a non-Kinetic debit card. Call (866)-310-6882 to complete a one-time transaction. There is a $7.95 fee for this service. 

An easy alternative to waiting in line to cash your check, Kinetic offers you the option to have pre-authorized deposits and allotments (i.e., payroll checks, Social Security or retirement checks, or other government checks) to your Regular Savings account or Checking account as long as the payer has the ability to do so. To take advantage of this free service, you must authorize and set up any direct deposit or allotment to your account(s).

See a Financial Services Representative at a Full-Service Kinetic Branch, contact a Communications Center Representative at 706.320.8500, or contact the payroll office or the government agency through which you are paid.

External Funds Transfer

We’ve upgraded our External Funds Transfer feature to make moving money between your Kinetic accounts and other financial institutions smoother and more secure.

• Transfer funds to and from your Kinetic checking or savings accounts (#1 or #2)
• Add and verify external accounts using two small deposits under $1.00 to confirm ownership
• Once verified, your external accounts are available for both transfers and loan payments
• Access this feature via the “Transfer” menu in Online Banking and the Mobile App

Details:

• Transfers can be scheduled Monday–Friday (excluding federal holidays)
• Recurring transfers are supported
• Cut-off time for same-day transfers is 2:00 PM EST
• Transfers can be canceled before the cut-off time
• No fees from Kinetic Credit Union to use this service
• Transfers typically post within 1–2 business days

Do you try to save money each pay period, but struggle to keep yourself from spending it? Consider setting up an automatic transfer. When you have an electronic direct deposit or allotment to your Kinetic account, every time you are paid you can have a set amount automatically transferred to one or more Kinetic Savings accounts, to your Kinetic Checking account, or another Kinetic member's account.

To take advantage of this free service, call our Communication Center at 706.320.8500, or set up balance transfers via eBranch.

When wiring money to a Kinetic account from another financial institution you will need to provide the financial institution from which you are sending the wire with the following information:

Name of financial institution receiving wire: Catalyst Corporate Federal Credit Union

• City: Plano
• State: Texas
• ABA Number (routing and transit): 311990511
• For Deposit: Kinetic Credit Union
• Account Number: 261171671
• F.F.C.: The account owners name and their Kinetic account number (specify savings or checking)

See the fee schedule for the current Incoming/Out-going Wire fees.

Telephone requests for international transfers that qualify under DODD Frank will require additional follow up. Please speak with a Kinetic representative for additional information.

Do you need to send money and regular mail is simply not fast enough? Or do you have an emergency and you need family or friends to send you money fast? Try a "financial institution-to-financial institution" wire transfer.

It is fast, secure, and the money is directly deposited to the account you specify. Kinetic allows you to send wires from any of your Kinetic Savings or Checking accounts and receive wires to your Kinetic Regular Savings and Checking account. Drop by any Full-Service Branch or call our Communication Center at 706.320.8500.

Did you forget to pay a bill and are too late to send it through regular mail? Most companies today are able to accept check-by-phone or check-by-internet. In this situation, you will need to know what information to give to the company in order to have the funds deducted from your checking account. For the funds to be deducted from your checking account, you will need to provide the company with the following: Kinetic’s routing number (261171671), your complete account number and a check number.

In some cases, companies have the ability to draft funds from your savings account through EFT. If you would like the funds to be drafted from your savings account, you will need to provide Kinetic’s routing number and your member number.