Kinecta Mobile Banking User Reviews

Kinecta Mobile Banking
Kinecta Mobile Banking
Kinecta Federal Credit Union

Top reviews

Sub-par performance from you guys

1. ATM’s @ your Lakewood branch constantly having issues. Some examples: can’t accept certain transactions after-hours/weekends, one or more machine stuck in a mode & unable to function, exterior machine has seen better days.

2. Constantly having to reset “Quick Balance” feature. Why??

3. Online banking not as “forward-thinking” as other banks; i.e. — Behind. The. Times.
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Kinecta App

I’ve been a member for 30 plus and I’ve never considered leaving or sharing my business. Kinecta has worked with me on 5 home loans, 6 car loans and the usual checking, savings and credit cards. If you need to visit their offices the people are great and turnover is light so they must treat their employees well. My only suggestion for improvement would to have transfer from checking or savings to loans show immediately. There is always a 1 or 2 day delay from when the $ leave my account to when they get recognized by the destination.
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Can’t Login

I downloaded the app to access my account faster. But when I tried to log in, it told me to enter any 4 digits to create a one time pin to get in. And then it said I’ll get an email that would give me a number to access my account. I never received an email, I got locked out of my account, and now I have the keep creating new passwords every time this app doesn’t let me log in. It makes no sense and I can’t use it. It’s very frustrating too because there’s no one I can contact for help. The number provided is an automated menu...
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Out of Date - Does not have Zelle

Kinecta's app developers need to step it up a notch. It's a shame that I am forced to go into a branch to make a payment on my loan. With technology advancing as quickly as it is, Kinecta fails to show up to the table. Sadly there are very few Kinecta branches to start. The app flakes every time I attempt to deposit a check.
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I use this app to do all my budgeting

Maybe once a year something happens that I have to go to my computer for. For weekly and monthly management of my accounts I use the Phone app.
I know other banks have $300 bonuses blah blah blah... but managing my account with Kinecta using this app has been fast efficient and penalty charge free. My credit score has gone from so-so to stellar because I keep an eye on things by using this app.
The Kinecta app plus Kinecta’s very reasonable service are a powerful combination.
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Great app!

Easy to use:-)
BUT..... would really like to be able to have a mechanism in place that would allow me to enter a payment on my Kinecta credit card account via the Kinecta web site from another bank account like MOST credit card companies allow for. Would make paying it off a LOT easier.

Very convenient

Use often and works well for me.
Have three financial apps and this is the best of the three. Didn't take long to learn and now is easy to use. They have made some improvements over the several years I've used it... just keeps getting a little better each time they update.

Terrible

Yes I said terrible. It’s a major inconvenience when I deposit cash into an ATM that’s a Feral Credit union. I made my deposit into an Altura... which is by my house. There are NO Kinecta Credit Unions close to me. So back to my 1star review... I don’t know if any ATMs that use an envelope anymore. So when I spoke to the Kinecta rep to see why my cash deposit was pending she explained to me that it shows my deposit was made in an envelope!! How the heck would you know that when they don’t have envelopes to use.... so in order to get my deposit released I’m suppose to 1-find the receipt and take a picture of it and FAX it in to them... seriously who the hell FAXES anymore... so she says just goto a staples of kinkos... so now I need to have the receipt and drive to wherever the closes place is.. INCONVENIENT!!! Sorry sir maybe you can take a picture of the receipt and use the secure email server we have available.... if I had the friggen receipt I wouldn’t need it. If I deposit cash into any of my other Banks it’s available immediately... why because it knows that I deposited cash! Why can’t you people get with the friggen program. I’m going to withdraw all my cash and leave!
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Not so great

I’ve read many of the reviews and although I agree with the fact that transferring money is ez and mobile deposits are to, I get frustrated that each time I need to add a new bill, to the Bill Pay, I have to sign off and go to the actual Kinecta website to add a new bill onto my account. It would be much easier if we could utilize JUST the mobile app to deal with the “Bill Pay”. What a hassle. Many times I can’t remember which password goes to which website or the app, and I get locked out. Very, very, frustrating!!!! 😡
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Customer service

Should have a messaging and/or email system for customer service. Called multiple times for help but no one responded. My only option was to go online and send a message but it was so annoying to go online everytime I have to check response. Maybe the app is good for banking but not for loan payment. Useless. Not much tool options for loan payment and very confusing.
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