Kinetic Credit Union (AL-GA)

I am retired and therefore receive Railroad Retirement/Social Security. My husbands check goes into his account on the first of every month if not before the first. He banks elsewhere. Kinetic holds my check if the first falls on a weekend, and it goes in on the next “business day.” So, if the 1st falls on a Saturday, thats a 2 day hold. If Monday is a holiday, its a three day hold! I havent yet received a satisfactory answer as to WHY my check doesnt show up in my account on the FIRST, no matter WHAT DAY that falls on!!

On 28 September 2021 I attempted to deposit a check, using the Kinetic mobile application to my checking account. This is my 2nd time using the mobile deposit feature and expected a 14-day hold on funds since this was the hold period on my 1st mobile deposit. I have been waiting patiently for funds to post to my checking account and it’s now a month later with zero correspondence on status of deposit. I’ve called customer service twice to inquire on the status and unsuccessful in talking to a human customer service representative. Instead I find myself stuck in a continuous automated telephone loop that eventually hangs up on me. I regret opening a checking account with Kinetic and disappointed in the hurdles I’m trying to overcome in making a mobile check deposit.

I’ve been using it for over a year without any issues however there are things that I can’t do through the App and usually end up having to call the branch.