Checking & Savings For Students
MyCash Spend Account
Start your financial journey with a MyCash Spend Account.
- No monthly service fee
- Access to 85,000+ fee-free ATMs nationwide2
- Mastercard® debit card with digital wallet capability
- Zelle®3 access starting at age 13
- Convenient online and mobile banking
Ready to Save?
Kinecta offers a variety of ways you can start saving. You can use the funds for tuition, books, a splurge, or keep it for a rainy day.
- Traditional Savings. Transfer money each month from your checking account so you can start saving (and earning) the easy way.
- College Saver Certificate.4 For members under 18 who want to get a head start on their college fund, this certificate automatically adjusts rates to keep you on pace.
Membership Requirements Apply.
1No monthly service fee and no minimum balance requirements apply. Minors age eight (8) years until they attain age (18) years can only establish a MyCash Spend account, and no other checking accounts can be established until the minor attains age eighteen (18) years. The minor’s parent or legal guardian must be a joint owner on the account. MyCash Spend accounts are eligible for debit card issuance, and checks are available upon request. These accounts are not eligible for Overdraft Protection, Courtesy Pay, or Select Accept coverage. When the minor account owner attains age eighteen (18) years of age, this account will convert into a Classic Checking account.
2ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess fees.
3U.S. checking or savings account require to use Zelle® . Transactions between enrolled users typically occur in minutes. You must generally be at least eighteen (18) years of age to use the Service; however, for minors ages thirteen (13) to seventeen (17) years, you may use the Service if you have an adult parent or guardian who is a joint owner on your account.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
4College Saver Member must be under the age of eighteen (18) to open. Dividend rate and APY may change monthly and is equal to 2-Year Share Certificate (rate in effect on the last day of the previous month). Additional deposits are permitted at any time prior to maturity. Account will mature on the date of member’s eighteenth (18th) birthday and cannot be renewed.
Mastercard and the circles design are registered trademarks of Mastercard International incorporated.