Kinecta Mobile Banking

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4.03K reviews
Content rating
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About this app

Kinecta Mobile Banking
About this app

Download the Kinecta mobile app for an easy and secure way to:

• Check account balances and transactions
• Transfer funds between accounts
• Pay bills
• Send and receive money with Zelle®
• Make remote deposits
• Find the nearest branches and ATMs
• Enroll in and view your eDocuments
• Lock and unlock your debit or credit card(s)
• Set up text banking and text alerts
• View and redeem credit card rewards
• Access your free credit score and report, use tools to improve your score
• Apply and check status for credit card, personal, vehicle or home loan applications
• Member offers and information
• Request a free insurance quote
• Connect to your phone’s digital wallet – Samsung Pay, Google Pay
• Set up Facial Recognition / Fingerprint
Fingerprint authentication available for Samsung devices with Samsung Pass or other applicable Android devices
Facial recognition available for Samsung Galaxy 8 or newer Android devices or other applicable Android devices
• Access live chat or schedule an appointment, contact departments directly

Current and new members may be eligible to apply for loans with Kinecta. Please review the following for a brief overview of our lending information, or visit for all available options. Make sure to check for the most recent published rates.

Personal loans have a minimum repayment term of 12 months and maximum repayment term is 84 months. Maximum loan amount is $100,000.00. Monthly payment per $1,000 borrowed at 9.74% APR (after automatic payment discount applied) over a term of 12 months is estimated to be $87.80, over a term of 84 months is estimated to be $16.47.

Personal Line of Credit loans have a maximum line amount of $100,000.00. Variable APR is based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with changes in the Prime Rate.

More information on personal loans can be found here

Auto loan rates are determined by a combination of factors, including credit qualifications, loan amount, collateral, down payment and terms. Rate includes a .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher on loans that do not meet this requirement. Rates and terms and conditions are subject to change. The value of new vehicles is determined by MSRP, and the value of used vehicles is determined by Retail Kelley Blue Book.

More information on auto loans can be found here

Not all applicants may qualify for the most favorable rates or the highest possible loan amounts. All loans are subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors.

Federally Insured by NCUA. Equal Housing Lender. Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.

*Mobile banking is only available to Kinecta members enrolled in online banking. Visit for further details or click on the Enroll link on the app’s login page.
Updated on
Jun 12, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info, and Financial info
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

3.9K reviews
david thomas
January 24, 2022
In all, I find this banking experience to be quite excellent. The only glaring example of things that drive me crazy is the extremely short time-out length of active access. Time and again while trying to reconcile my checkbook to the Kinecta screen, it shuts me out and I have to sign in again! At the very least, I wish it were an adjustable setting.
48 people found this review helpful
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Carlton Smith
July 24, 2022
Overall good app. Bill Pay doesn't allow you to edit payments in the mobile app. This is a very nice feature that was lost in the move from Xceed. In addition, you are logged out very quickly within a few minutes. If you look at history on an account or bill pay than go back you are logged out and have to sign back in. The Xceed app worked much better. Never had any of these concerns.
39 people found this review helpful
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Matt C
November 25, 2021
I am an Xceed FCU member whose account was moved during the merger, and I will admit that the XFCU app was lacking; this one is a lot more polished. The two biggest things I miss, however, are 1) Being able to set the minimum transaction notification amount to $50 or less rather than $100, and 2) The check deposit feature in Xceed's app was more advanced and allowed use of the flash. Other than that, I'm pretty happy with the move to this app.
21 people found this review helpful
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What's new

• Send and receive money with Zelle®
• Routine bug fixes and enhancements