Kinecta Mobile Banking vs Dibs

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 • Set up Face / Touch ID • Access live chat or schedule an appointment, contact departments directly 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.

Dibs splits a restaurant bill the way you actually ate it — by item, not by an awkward even quarter that leaves someone subsidizing everyone else's drinks. Photograph the receipt and Dibs reads it on device. Review the parsed items (the scan is best-effort, so you always get the final say), tag who had what, and Dibs computes who owes what — distributing tax and tip PROPORTIONALLY to each person's subtotal, reconciled to the exact penny. When it's time to settle, Dibs hands off to Venmo with a pre-filled request, or shares a plain-text "pay me" message for anything else. Dibs never moves money and never holds it. FEATURES • On-device receipt scanning — offline, free, nothing uploaded • Manual entry and correction — you review every item • Assign items to diners; shared and unassigned items split evenly • Proportional tax and tip, with penny-exact totals • Pay hand-off via Venmo deep link, or a share-sheet message • Local history of past splits, revisitable • Remembers people you split with for quick re-picking PRIVATE BY DESIGN No accounts. No backend. No cloud. No tracking. Every split stays on your device. If Dibs saves you the after-dinner math, there's an optional tip jar — entirely your call, and it unlocks nothing. Dibs works fully without it.