KinectaChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

Kinecta Classic Checking

$4.95monthly fee

A year for an everyday customer: $0 fees and interest, $2,000 kept
On our list: #341 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: $4.95 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
aggregate direct deposit or mobile check deposit in the amount of $250.00 per month
$1,500 average monthly balance
10 or more debit card purchases per month posted to account
an active* Kinecta credit card in good standing
an auto or mortgage loan in good standing
the primary owner is either under age 18
the primary owner is either ... age 62 and up
during the first three months of a new account
upon request, enrolled students age 18-26
Source · checked Oct 10, 2026
Overdraft fee: $30Source · checked Oct 10, 2026
Returned item (NSF) fee: $30Source · checked Oct 10, 2026
Overdraft transfer fee: $4Source · checked Oct 10, 2026
Most overdraft fees in a day: 3Source · checked Oct 10, 2026
Out-of-network ATM fee: $2Source · checked Oct 10, 2026
Outgoing domestic wire: $25Source · checked Oct 10, 2026
Outgoing international wire: $55Source · checked Oct 10, 2026
Paper statements: $2 a monthSource · checked Oct 10, 2026
Cashier’s check: $6Source · checked Oct 10, 2026
Stop payment: $20Source · checked Oct 10, 2026
Card replacement: $18Source · checked Oct 10, 2026

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From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees