Notice: Please be aware of the increase in check fraud schemes targeting the U.S. Mail. If you do need to mail a check, it is advised that you drop it off inside at the post office.
Kinetic Checking is designed to keep your family finances safer while you take advantage of smart discounts on financial services and everyday purchases.
Featuring:
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Identity Theft Protection -
Shopping Rewards -
Generous Dividends -
Cell Phone Protection
Benefits include:
- Free VISA® Debit Card with uChoose Rewards
- Apple Pay, Samsung Pay and Android Pay
- Free Mobile Banking, Online Banking and Bill Pay
- Access to nearly 30,000 surcharge-free ATMs, nationwide
- Earn 1.00% APY* on balances up to $10,000
uChoose Rewards
- Earn one point for every $3 spent on signature-based transactions.
- Redeem points for cash back, gift cards, merchandise and travel.
- Share points with family members on your account.
- Register for uChoose Rewards and start earning points wherever you shop!
Debit Advantage ™
- Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire or theft
- Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years
- Item(s) must be purchased entirely with eligible account
Family Health Discounts3
- Get discounts on prescriptions, vision (exams, glasses, contact lenses, corrective surgeries) and dental
OOPS™
- Occasional Overdraft Privilege Service allows us to consider, without obligation on our part, payment of your reasonable overdrafts, up to your OOPS! limit, as long as you maintain your account in good standing.
Your monthly checking account fee of $4.95 gives you access to a robust suite of money-saving benefits. Plus, if you maintain an average daily balance of $3,000, the fee is waived.
$hopping Rewards™
- Get access to exclusive offers and discounts at thousands of leading online retailers
- Shop online using our customized shopping portal and receive cash back
- Cash back will be held in your $hopping Rewards account to use on future purchases, or conveniently sent to you as a check (Registration/activation required)
Cellular Telephone Protection2
- Covers damaged or stolen phones up to $300 per claim
- Up to two claims per year
- $50 deductible per claim
- Cellular phone bill must be paid through the Kinetic Checking account
- Covers the first three phones listed on the cellular phone bill
Travel and Leisure Discounts
- Get local and national discounts on hotels, restaurants, rental cars, museums, florists, sporting events, dry cleaners and more (registration/enrollment required)
- Access discounts from your mobile device
- Redeem and print coupons online
IDProtect®1
Protect you and your family from identity fraud.
Fully Managed Recovery
A dedicated fraud specialist is assigned to manage your case until your identity is restored.
Identity Theft Expense Reimbursement
Up to $10,000 is available to cover expenses associated with restoring your identity. This includes: attorney fees, loan application fees, long distance phone calls, medical record costs, travel and accommodations, and more.
Monitoring
- Total Identity Monitoring – monitors your name, address, date of birth and social security number in more than 1,000 databases
- Credit File Monitoring – provides daily monitoring of your credit reports with TransUnion and alerts you via email or text message
- Credit Report – request a new report every 90 days or upon receipt of a credit alert
- Credit Score – receive a new single bureau score with every new credit report
Debit and Credit Card Registration
Register your credit, debit and ATM cards, and have peace of mind knowing you can call a toll-free number to cancel and request replacement cards. (Registration/activation required).
Educational Resources/News Center
Get advice on how to protect yourself from identity theft. Read educational tips for how to keep your account secure. And access valuable online resources and news related to identity fraud and credit. (Registration/activation required. Available online only.)
Ready to Open a Checking Account?
Register for Kinetic Checking Benefits
To take advantage of our Kinetic Checking benefits and discounts, register one time here.
If you need assistance with your enrollment, give us a call at 706.320.8500.
*APY = Annual Percentage Yield. All rates are subject to change. Annual Percentage Yield is accurate as of [effective-date]. Please contact Kinetic Credit Union for further information on current rates and terms. For Kinetic Checking accounts with balances below $10,000.01, to meet the qualifications you must (1) receive monthly electronic statements and (2) make 10 debit card transactions (signature, PIN-based point-of-sale purchases, or online purchases and excludes ATM withdrawals, transfers, and deposits) that post and settle to your account.
1 IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
2 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.
3 This is not insurance. (Registration/activation required)