KinectaMoney market accountChecked Oct 10, 2026Updated
Kinecta Money Market Checking Accounts
–monthly fee
- A year on $10,000
- −$120 after fees
Visit KinectaThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | – | −$120 |
| $5,000 | – | −$120 |
| $10,000 | – | −$120 |
| $25,000 | – | −$120 |
| $50,000 | – | −$120 |
| $100,000 | – | −$120 |
Fees
- 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
- Withdrawals a month
- 6Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $10Source · checked Oct 10, 2026
- ATM network
- Kinecta ATM and CO-OP Network ATMSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $1.50Source · checked Oct 10, 2026
- Outgoing domestic wire
- $25Source · checked Oct 10, 2026
- Incoming international wire
- $10Source · checked Oct 10, 2026
- Outgoing international wire
- $55Source · checked Oct 10, 2026
- Paper statements
- $2 a monthSource · checked Oct 10, 2026
- Early closure fee
- $5Source · 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
Who can open it
- Membership
- Membership required:Source · checked Oct 10, 2026
Features
Check writingDebit cardOverdraft line of creditOverdraft protection transfer
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. Not all of this account’s figures are on record yet (rate, monthly fee missing). Report a mistake · How we make money