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Welcome to
banking done
different®

Your guide to personal accounts and services

When you blend real financial
know‑how with the can-do spirit
of a credit union, that’s different.
That’s Kinecta.

In this guide, you’ll read about all the good things you can expect from us:

A smooth and simple transition to your new Kinecta products and services.

More choices, broader expertise, and expanded financial solutions.

More branches, plus extended banking and call center hours.

Access to over 5,800 shared credit union branches from coast to coast.

The same member-focused, community-centric principles you’ve always
enjoyed.

The strength and security of a $6.5 billion asset institution and the energy of
nearly 300,000 fellow members, uniting to support banking done different.

Table of Contents

4-5 6-7 8 9 10 11

Key Dates Your New Accessing Borrowing Investments Community
and Transition Kinecta Your Personal Solutions and Insurance Commitment
Details Accounts Accounts

Branch
Locations

2 Kinecta Federal Credit Union

Banking done different

We answer to you. Fresh ideas.

Like Xceed, we began when a small group of Sometimes, we use a little fresh thinking to
workers (in our case, 12 engineers at Hughes bring you banking done different.
Aircraft in California) decided to pool their
resources to create better, more responsive – Our Liquid Certificate provides the higher
banking options for fellow employees. rates of a traditional certificate, with the
ability to withdraw up to half your account
Today we serve more than 440 business balance every day with no penalty.1
partners, with an 80-year history of single-
minded commitment to our members and – Early Payday Service gives you access to
their communities. Because we don’t answer to your paycheck up to two days2 before your
shareholders, we answer to you. scheduled payment day and up to five days
early for Social Security funds. With faster
Surprising strength. access to your money, you can go shopping,
pay bills early to avoid late fees and interest
As one of the largest credit unions in the nation charges, or even splurge a little.
by asset size, we have more money available to
fund your loans and mortgages. More avenues We’re also excited about the innovative
to guide you to financial security. More people SavvyMoney program that’s already in use
and resources to support worthy programs and at Xceed. It lets you check your credit score
neighborhood needs. instantly and gives you tips on how to improve
it. Additionally, you may be provided with loan
We also invest in technology that makes your options for which you may already qualify. This
banking faster, more convenient, and more could include personal, mortgage, or auto
secure. And when we harness technology financing. If you haven’t already enrolled in
to do our jobs more efficiently, it lowers our this free service, do it today at Xceed – we’ll
operating costs – and we pass that savings transfer your service to Kinecta automatically!
along to you in the form of lower rates and
lower fees compared to traditional banks.

800.854.9846 | kinecta.org 3

Key Dates
and Transition Details

Sunday, October 24 Saturday – Sunday, October 30 – 31
Access to online bill payments, PopMoney, and
external funds transfers ends at 9 p.m. PT Xceed branches and online access will not
be available
Monday, October 25
Last day for scheduled Online Banking external Continue to use your Xceed debit and
ACH transfers credit cards

Thursday, October 28 Monday, November 1
Last day for scheduled internal transfers
Online and mobile banking (including remote Branches open as Kinecta
deposits) ends at 9 p.m. PT
Online banking becomes available at
Friday, October 29 kinecta.org at 6 a.m. PT
Xceed branches close at 3 p.m. local time
Access to Xceed Call Center and Telephone Download and start using the Kinecta
Banking ends at 4 p.m. PT mobile app

Begin enjoying the benefits of your new
Kinecta accounts

Member and Account Numbers PIN-only access. With your new contactless
Most member numbers will remain unchanged, debit card, you’ll gain new features including
unless we notify you. Mastercard ID Theft Protection™, Purchase
Satisfaction Guarantee, and Extended Warranty.
All account numbers will change and we Add your card to Apple Pay®, Google Pay™,
will mail your new numbers to you prior to Samsung Pay®, and PayPal for convenient
November 1. mobile wallet flexibility.

Routing Number Starting November 1, be sure to update
Kinecta’s Routing Number is 322278073. Start any merchants who take recurring payments
using it with your new account numbers on from your debit card accounts with your new
November 1. account numbers and expiration dates. Follow
the instructions that come with your card to
Checks establish your new PIN.
You can continue to use your current checks
until they run out. Contact Kinecta after ATM Transaction Fees
November 1 to request an initial order of You can use your Kinecta debit cards to
50 Kinecta checks at no charge. withdraw cash with no fee from more than
85,000 Kinecta, CO-OP, and Allpoint ATMs
Statements nationwide.
Final Xceed statements will be issued through
October 2021. At Kinecta, statement timing will Online Banking and Bill Pay
remain the same, with a consolidated statement Online banking at Xceed will become unavailable
for all shares at the member level. at 9 p.m. PT on Thursday, October 28.

ATM and Debit Cards The last day to schedule and access Bill Pay at
Mastercard® Debit Cards will replace your Visa® Xceed is Sunday, October 24.
Debit, HSA and ATM cards in October. ATM
cards will be replaced with debit cards with Starting November 1, go to kinecta.org and
bookmark the page for quick access to Kinecta
4 Kinecta Federal Credit Union

online banking. Next, log in using your current Six months of Xceed credit card statements
Xceed user ID and password, and when will be available online starting November 12.
prompted, confirm your identity and set up If you need access to older statements, please
security questions. download and save them prior to October 29.

All transaction history, including bill pay history You will need to reenroll in digital credit card
and payee information, will be transferred features, including eStatements, automatic
automatically. payments, PIN numbers, mobile wallets, and
alerts starting November 6.
Current users will receive detailed information in
a separate communication. Rewards points will carry over, but at Kinecta
only cash rewards are offered. (If you want
Mobile Banking to redeem points for merchandise, you must
Mobile banking at Xceed will become unavailable do so before October 21.) You will have until
at 9 p.m. PT on Thursday, October 28. November 2024 to redeem earned rewards
points for cash before they expire.
D ownload and sign in to Kinecta’s
highly rated mobile banking app Credit card benefits offered through your new
starting on November 1 using your Kinecta Mastercard will replace the Warranty
current Xceed login information. Delete Manager Program for purchases, which will be
your Xceed mobile banking app. discontinued.

Access to your Kinecta debit card transactions Automated Telephone Banking
will be available along with your other accounts After November 1, primary account owners
through mobile banking starting November 1. can access account information and Telephone
Banking 24/7 by calling 800.854.9846,
October 24 is the last day to initiate transfers Option 1. Enter either your new member
through PopMoney, which will be replaced number and the last 4 digits of your Social
with Pay a Person, letting you send and receive Security Number, or the Government Issued
money quickly and easily through the Kinecta ID associated with your account and the last
mobile banking app. 4 digits of your Social Security Number, then
follow the instructions to select your PIN.
Automated Payments, Transfers, and
Direct Deposits Insurance and Investments
Automated payments and internal/external There will be no changes to Insurance or
transfers set up through online banking at Investment accounts when they transition to
Xceed will need to be reestablished on Kinecta Kinecta. No action will be required by you.
Online/Mobile Banking starting November 1.
Direct deposits will continue uninterrupted. NCUA/NCUSIF Insurance
If you have accounts at both Xceed and Kinecta,
Overdraft Protection NCUA/NCUSIF insurance coverage will be
Transfers from Share Accounts to cover based on your combined balances. Give us a
overdrafts will continue uninterrupted. Other call if you have any questions.
overdraft arrangements will need to be
reestablished after November 1. Tax Reporting
Kinecta will issue consolidated tax forms for
Credit Cards 2021 in early 2022.
Xceed Visa credit cards will be replaced by
Kinecta Mastercard® credit cards in early Questions?
November 2021. You can activate and Starting November 1, call our Member
start using your new card on November 6. Contact Center at 800.854.9846 to speak with
(Xceed credit cards will no longer work after a representative Monday through Friday from
November 5.) The same rates and fees will 5 a.m. to 6 p.m. PT, and Saturday from 6 a.m.
apply until your February 2022 statement. to 3 p.m. PT.

Online access to credit card information will 800.854.9846 | kinecta.org 5
not be available from October 28 through
November 5 while we make the transition.

Your New Kinecta Accounts

Xceed accounts will transition to Kinecta accounts on November 1, 2021. The
key features are shown below. Please refer to the enclosed Account Disclosures
booklet for more details about these accounts and fees that may apply.

Xceed Account Kinecta Account
Access Checking
Classic Checking
Simplicity Checking You can avoid the $4.95 monthly service fee in any one of these ways:
Signature Checking 1. Aggregate monthly direct deposits or mobile check deposits of $250, or
Access Savings 2. $1,500 average monthly balance, or
3. 10 or more debit card purchases per month posted to account, or
Minor Savings 4. An active* Kinecta credit card in good standing, or
5. An auto or mortgage loan in good standing, or
6. The primary owner is either age 26 or under, or is age 62 and over, or
7. The primary owner is active duty military, or
8. During the first three months (new accounts only)

* Use your Kinecta credit card one or more times during the last billing cycle, or carry a portion
of your Kinecta credit card balance into the next billing cycle.

Classic Checking
Kinecta will waive the monthly fee on this account for current Xceed
Simplicity Checking account holders

Checking Plus
You can avoid the $9 monthly service fee in any one of these ways:
1. $2,500 average monthly balance, or
2. Aggregate monthly direct deposits of $500, or
3. During the first three months (new accounts only)

Regular Share Account
You can avoid the $5 monthly service fee in any one of these ways:
1. $250 average monthly balance, or
2. Multiple accounts under the same member number, or
3. Same primary owner is age 26 or under, or
4. The primary owner is active duty military, or
5. During the first three months (new accounts only)

Regular Share Account
Fee waived if owner is age 26 or under

6 Kinecta Federal Credit Union

Xceed Account Kinecta Account
Club Account
Regular Share Account
Fee waived for Xceed Club Accounts
Deposits and withdrawals can be made at any time

Executive Money High Yield Money Market
Market
No monthly service fee
Prime Money Market
Tiered rate dividends paid starting at $2,500; dividends accrued daily and
Capital Money Market paid monthly

Jumbo Money Market Checkwriting available through December 31, 2021 (if you need checkwriting
beyond this date, please consider the Checking Plus account)
Private Banking
Money Market $10 Excessive Transaction Fee for withdrawals or transfers to another Kinecta
account of the same member or to a third party by means of preauthorized
Jumbo 30-day or automatic transfer, telephone order, internet, bill pay, online or mobile
Certificate banking transfers, or overdraft transfers that exceed six (6) in current month

Health Savings Health Savings Account
Account
No change in your account
Xceed HSA Visa debit card will be replaced with a Kinecta HSA Mastercard
debit card in October 2021 for use beginning November 1, 2021

IRA Accumulator IRA Money Market
No change in your account

Certificate/ Certificate/IRA Certificate
IRA Certificate
No change in rate, term, or maturity date until the next renewal date after
November 1, 2021
Certificates will renew at the same term length at the prevailing rate

Loan/Line of Credit Loan/Line of Credit

No changes in the terms and conditions of your loan or line of credit

Monthly statements will be issued for all loans; members can use any
remaining loan coupons for payments

Automatic loan payments from your Kinecta account will continue
uninterrupted; external payments will need to be reestablished

Starting November 1, make payments to Kinecta Federal Credit Union. The
payment remittance address will be included on your monthly statement.

For questions about payoffs, contact us at:
800.854.4501, option 3, option 2
[email protected]

800.854.9846 | kinecta.org 7

Accessing Your Personal Accounts

At Kinecta, you’ll enjoy enhanced convenience. More branches in California,
with extended hours at every Kinecta branch, including Saturdays. And longer
hours with more services when you call our Member Contact Center.

The Kinecta Mastercard® Debit Card
Our debit card works harder for you. Our tap, dip, or swipe capability lets you go contactless, with chip
technology that helps prevent you from being a victim of fraud. You can add your debit card to Apple
Pay®, Google Pay™, and Samsung Pay® for mobile flexibility, and even receive funds through mobile
payment apps like Zelle, Cash app, and Venmo. See page 4 for details about receiving your new
Kinecta card(s).

Online & Mobile Banking
Pay bills, check balances, review transactions, download statements, and transfer funds from your laptop,
tablet, or phone. You’ll even be able to set travel notifications and activate or lock your cards.

Member Contact Center

Our team is ready to help you starting on November 1. Just visit a branch, book an appointment online,
or call 800.854.9846 Monday through Friday from 5 a.m. to 6 p.m. PT, and Saturday from 6 a.m. to
3 p.m. PT.

Branches and ATMs

Our new members from Xceed will keep all their current Northern California and Eastern U.S. locations
while gaining 22 Kinecta branches in Southern California. Kinecta branches in our expanded network will
feature extended weekday and Saturday hours, and you will have access to more than 85,000 surcharge-
free ATMs and 5,800 shared network credit union branches from coast to coast! For more details, visit
our Locations page at kinecta.org/locations.

California Orange County New York New Jersey
Brea
Los Angeles County Fountain Valley Monroe County Morris County
El Segundo (3) Huntington Beach Henrietta Madison
Gardena Tustin Rochester (2) Parsippany
Hawthorne Webster (2)
Hermosa Beach San Mateo County
Lakewood Menlo Park
Malibu
Manhattan Beach Santa Barbara County
Redondo Beach Goleta
Rolling Hills Estates
Santa Monica Santa Clara County
Torrance (2) San Jose
Westchester
Westlake Village
Woodland Hills

8 Kinecta Federal Credit Union

Borrowing Solutions

Planning to make a large purchase? Have unexpected expenses? Kinecta offers
the borrowing tools and lending strength to provide the funds you need.

Loans and Lines of Credit3
– Signature Personal Loans. Unsecured, fixed-rate loans available from $1,000 to $100,000, with

flexible terms up to 84 months.
– Signature Personal Lines of Credit. Unsecured, variable-rate lines from $1,000 to $100,000, with no

annual fee and easy transfer of funds to your Kinecta share accounts.
– Other borrowing options include auto, motorcycle, RV/travel trailer, and boat loans, secured

installment loans, student loan referrals, secured one-time pay loans, and more.

Mortgages4 and Home Equity
Whether you’re ready to buy a home, refinance, or tap into your home’s equity, Kinecta’s experienced
professionals will be there to guide you from pre-qualification through closing.
– Mortgages and refinancing with the fixed or adjustable rate that best fits your budget and terms that

meet your goals.
– First-time homebuyer programs, including FHA loans, that can reduce the amount of your

down payment.
– Specialized financing for condos, townhouses, and vacation homes, as well as construction-to-

permanent loans, VA loans, and jumbo mortgages.
– Home equity lines of credit (HELOC) up to $500,000, with no origination fees, variable rates, and a

wide variety of terms to suit your unique situation.
– Home equity loans up to $500,000 with no origination fees and fixed rates.

Kinecta Mastercard® Credit Cards

Our selection of credit cards offers you features and benefits to suit your
personal preferences. Whether you want to earn cash back, keep your interest
payments to a minimum, or help build or rebuild your credit, there’s a
Kinecta credit card that will help you do it.

For example, with the MyPerks Rewards credit card5, there’s no annual fee and
you’ll earn cash back on your purchases.
– 3% cash back on gas
– 2% cash back on groceries
– 1% cash back on everything else
– Relationship bonus rewards of up to 20% of cash back rewards every year!

800.854.9846 | kinecta.org 9

Investments and Insurance

Count on us to help safeguard your financial future. Our specialists can find new
opportunities to grow your money and protect the people and things that mean
the most to you.

Investments* Insurance**
Kinecta’s Wealth Management advisors can
work with you to provide: You’ll find a wide range of new products
through Kinecta Insurance Services. And they’re
– Retirement Planning. New career paths, economical too, because we reach out to our
volunteer opportunities, travel – to do any network of A+ insurance partners to find you
of these, you’ll need to align your dreams policies at competitive prices.
with your finances. Our advisors can help you
establish the right plan. – Personal and Life. You’ll want to provide for
your family in case of death or disability, of
– Financial Planning. Long-term goals. Short- course. But we also have policies that provide
term needs. Let our advisors help you find long-term care coverage, protect personal
solutions. possessions and valuable items, and more.

– Trust & Estate Planning. It isn’t just for the – Home and Vehicle. Make sure your largest
wealthy. It’s a smart, tax-advantaged way investments – your house, condo, rental
to help protect your loved ones for years property, car, or boat – are all well-protected.
to come.
– Natural disaster insurance. Standard
– Tax Strategies. Find out how to optimize homeowners’ policies don’t cover flood and
your portfolio, using tax-favored and tax-free earthquake damage, but we can help you find
investment strategies. supplemental insurance that does.

– Insurance Planning. Your advisor can also
leverage our extensive insurance offerings to
ensure that you have adequate coverage for
your assets should the unexpected happen.

* The financial consultants at Kinecta Wealth ** I nsurance products are offered through Kinecta Financial
Management are registered representatives with, & Insurance Services, LLC, subsidiary of Kinecta Federal
and Securities and advisory services are offered Credit Union. California Insurance License #0E24631.
through, LPL Financial (LPL), a registered investment
advisor and broker-dealer (member FINRA/SIPC). Insurance products: 1) are not NCUSIF insured; 2) are
Insurance products are offered through LPL or its licensed not obligations of or guaranteed by the Credit Union
affiliates. Kinecta Federal Credit Union and Kinecta or any affiliated entities; 3) involve investment risk,
Wealth Management are not registered as a broker- including possible loss of value. Insurance products not
dealer or investment advisor. Registered representatives available in all states.
of LPL offer products and services using Kinecta Wealth
Management, and may also be employees of Kinecta
Federal Credit Union. These products and services are
being offered through LPL or its affiliates, which are
separate entities from, and not affiliates of, Kinecta
Federal Credit Union or Kinecta Wealth Management.

Securities and insurance offered through LPL or its
affiliates are: Not Insured by NCUA or Any Other
Government Agency • Not Credit Union Guaranteed
• Not Credit Union Deposits or Obligations • May
Lose Value

10 Kinecta Federal Credit Union

Our Commitment to Local Communities

At Kinecta, we volunteer. We guide. We give. It’s a tradition as old as our
organization, and that’s not going to change.

Year after year, deserving community organizations can count on Kinecta. We donate thousands of
hours – and raise hundreds of thousands of dollars – because our members and our communities are at
the center of everything we do.
Last year, the need was greater than ever. So Kinecta stepped up. In 2020, we donated $634,000 to
charitable causes and – even with the restrictions on public gatherings – our employees volunteered
4,560 hours, supporting 145 charitable events that assisted more than 100 non-profits.

Annual First Responder Scholarship & Teaching Back-to-School
Food Drive Appreciation Grant Program Backpack Drive

With the generosity of Throughout 2020, We have a tradition of Every year, our members,
our vendors, members, Kinecta held events providing scholarships partners, and employees
and staff, our 47th providing BBQ meals, annually that recognize donate backpacks and the
annual food drive face masks, and support and reward outstanding school supplies that fill them to
provided much-needed to our incredible first students and teachers benefit the children who most
assistance to more than responders. in our communities. need them.
1,000 deserving families
during the Thanksgiving
season.

Just a few of the organizations with whom we partner…

Nationally Locally
– American Red Cross – Seneca Park Zoo, NY
– Girl Scouts – Pirate Toy Fund, NY
– Special Olympics – Mychal’s Learning Place, CA
– Bob Hope USO – Al Wooten Jr. Youth Center, CA
– Children’s Miracle Network Hospitals – Richstone Family Center, CA

That’s dedication to community service. That’s Kinecta, banking done different.

800.854.9846 | kinecta.org 11

Questions?
Beginning November 1, call the
Kinecta Member Contact Center at 800.854.9846.
Monday through Friday 5 a.m. to 6 p.m. PT
Saturday from 6 a.m. to 3 p.m. PT
Kinecta credit card services are available 24/7 at 310.643.2106.
Before November 1, contact your Xceed Personal Financial Advocate or
the Xceed Member Call Center at 800.XFCU.222 (800.932.8222).

1 Liquid Share Certificates. Liquid Share Certificates allow for penalty-free withdrawals of up
to 50% of the start of day balance as of 12:00 a.m. on a daily basis. Withdrawals exceeding
50% of the start of day balance are subject to penalties. Fees may reduce earnings. Additional
deposits are permitted at any time prior to maturity. $100 minimum balance. 12-month term.
APY applies to any deposit amount. May be combined with VIP rate increase.

2 Early Payday Service. Early access to direct deposit payroll funds is dependent on timing of
the submission of the payment file from the payer. When received, Kinecta makes these funds
available on the day the payment file is received, which may be up to 2 days earlier than the
effective payroll payment date.

3 Signature Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on
standard underwriting factors. Maximum loan amount is $100,000.00. Monthly payments at 7.49%
APR over a 84-month term are estimated at $20.03 per $1,000 as of 06/01/21.

S ignature Personal Line of Credit. Subject to credit approval. Rates, loan amounts, and terms are
based on standard underwriting factors. Maximum line amount is $100,000.00. Variable APR based
on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with
changes in the Prime Rate.

Secured Installment Loan. Installment periods vary. Rates are subject to change. The amount of the
loan is limited to the amount of funds held in your share savings account or share certificate. If you
default on your installment loan, the funds from your savings account or certificate will be used to repay
the outstanding balance on your account, and you may be subject to an early withdrawal penalty on your
certificate.

4 Mortgage Loans. Subject to credit approval. Nationwide Multistate Licensing System (NMLS) #407870.
5 Cash Back. Earn 3% on gas (up to $6,000 in annual purchases) and 2% on groceries (up to $6,000 in annual

purchases.) Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less
credits, returns, and adjustments.
R elationship Bonus is paid as a statement credit and is non-transferable. The Relationship Bonus is applied
toward Cash Back Rewards earned from the date the account is opened. Relationship Bonus is paid on
anniversary of card open and accrued on Cash Back Rewards earned. Representative payment example:
Earned Cash Back Rewards of $228 would generate $45.60 in Relationship Bonus for a total annual reward
of $273.60. After qualifying, the cash bonus will be posted to your account within the next two billing cycles. To
be eligible for this statement credit, your account must be open and in good standing at the time of fulfillment.
Kinecta reserves the right to modify or revoke offer at any time. Members are responsible for any taxes related to
cash bonuses.

Federally insured by NCUA.
©2021 Kinecta Federal Credit Union. All rights reserved.

KIN100-BRO-P