Yes! You can apply to open a checking account online by following these steps:
Yes, you can open a savings or checking account online with Kitsap Credit Union!
Ready to get started? Membership eligibility is open to all those who live or work in Washington State. You can apply for membership online or visit us at one of our branches.
Not yet a member?
You will also need the following information to complete the application:
Learn more About KCU and when you're ready, apply today using our Online Application.
You can re-order checks from your Online Banking account by doing the following:
If you are using a mobile device, check orders are enabled when you log into KitsapCU.org from a web browser. Check ordering is not available in the mobile app, but you can access it through a mobile web browser.
Get Mobile Deposit to deposit checks anywhere, anytime
Experience convenience, simplicity, and security with our Mobile Deposit service. Just take a photo of your check on our mobile banking app, it's that easy! Plus, it eliminates the need to mail or deliver checks to Kitsap Credit Union.
Visit our Mobile Deposit page for a step-by-step guide on how to get started.
Members may open multiple checking and savings accounts at Kitsap Credit Union. However, certain account types may have limitations based on eligibility or product type.
Peak Account accounts are limited to one per individual taxpayer number (Social Security Number, Individual Tax Identification Number). All other accounts are unlimited.
There is a minimum opening balance of $25 when you first open your account. The amount is available to you once the account is open.
Note: There are no ongoing minimum balance requirements for most checking accounts.
Please review our rates and fees schedule for more information regarding minimum balances.
No. Kitsap Credit Union checking accounts do not require a minimum number of monthly deposits.
You can deposit funds as needed through direct deposit, mobile deposit, ATM, or branch services.
Kitsap Credit Union offers several overdraft protection options, including:
These options help cover transactions when your available balance is low and may help prevent declined payments or returned items.
We would be happy to review options specific to your account. Contact us today.
You can order checks* online in your Online Banking account. Just login, select "Check Reorder" from the Account Services tab and follow the process. You can also contact us and we will be happy to order checks for your account. For Premier Club accounts, please contact us to order checks.
For checking accounts, your overdraft limit will be the amount of funds we are able to transfer from any other account that you have as an overdraft source.
For example: If you have a transaction take you to $499 and the fee takes you to $531 you can't then do another transaction.
Please view our current Rate and Fee Schedule for more information regarding fees for Courtesy Pay.
We also offer additional solutions for overdraft protection including:
These solutions are available in your Online Banking profile. Select “Open a New Account,” then select the appropriate product. If you would like to review options specific to your account, you can contact us.
You can transfer money between your Kitsap Credit Union accounts using Online Banking or the Mobile Banking app. Simply select “Transfers,” choose the accounts, and complete the transaction.
You may also transfer funds between linked external accounts if set up through Online Banking.
Yes! Our mailing address is:
Kitsap Credit Union
PO Box 990
Bremerton, WA 98337
Please ensure your check has the account number you would like to deposit written on it.
We also offer mobile deposit through our mobile app. Save yourself a stamp and use Mobile Check Deposit! It’s free, fast, and easy! Deposits are generally credited to your account the same day, and the app is easy - walking you through the process step-by-step. You'll also receive an email confirmation for added peace of mind.
Yes, you can order checks through another company however, we do recommend ordering checks through us.
Our vendor ensures your checks meet current processing standards and we already have your accurate account information.
Ensure that your checks display the correct Routing and full 14-digit Account Numbers through your Online Banking account. This option is available through the “My Accounts” tab’s Show Details option.
Skip the checks! Pay your bills with Bill Pay!
Once your payee has been added, you will be directed back to "My Bills & People I Pay," where you can now schedule single or recurring payments.
We offer to link the following to your checking account as overdraft protection:
If you would like to remove these sources of overdraft from your checking account, or if you have opted in for Courtesy Pay on your account and would like to opt-out of the service, please contact us.
Yes! Kitsap Credit Union partners with VISA to protect your cards. The fraud monitoring system will first generate a text message if the system suspects fraud. (Contact us if you prefer to opt out of text messages.)
Or you may receive an automated call from 1-877-902-4806 when it detects purchases that are out of pattern. The automated system will identify as Kitsap Credit Union and will ask to verify cardholder information prior to verifying transactions on your card. We will never ask for your card PIN number over the phone.
You can monitor your account transactions in your Online Banking account anytime.
For more information see: Visa Falcon Fraud Alerts
If you have any concerns about a phone call you received, or for more information, please contact us.
You can obtain copies of checks you have written from your Kitsap Credit Union checking account through your Online Banking account for free by doing the following:
Note: canceled checks are available to view for 90 days. If the image is no longer available in your online banking history, or if you need an image of a check you deposited into your account, please contact us.
Need a copy of a check that you deposited? You can view checks you deposited with Mobile Check Deposit in the mobile app. Just log in, select Check Deposit, then select History. Click the item to view it. If you deposited the check any other way, contact us to request a copy of the check.
If you have ordered your debit card, you can expect it to arrive in 14-21 business days.
You may also visit any branch location and get a new card printed same day.
Please review our rates and fees schedule for more information regarding stop payment fees.
You may request a stop payment by telephone, through Kit, our Virtual Assistant, available on our website 24/7 with no login required, or you can login to online banking for complimentary stop payments. Feel free to contact us to ask questions, or chat with a representative from our Member Services team Monday through Friday, 9 a.m. to 5 p.m. You may also request a stop payment in person.
Stop Payments on personal checks are available within your Online Banking profile, using the Stop Payment feature located in the “Account Services” tab. To place a stop payment for Corporate Checks or Money Orders, contact us and we would be happy to assist you.
We offer Youth Checking Accounts to children ages 13 to 17 with parental or guardian co-owner.
Parental co-owner is required on accounts for members under the age of 18. Parental permission with a signed authorization is required for minors 13 and older to have a debit card for their Varsity Checking Account.
Phone banking is a free service provided to all of our members. With phone banking, you'll have access to your accounts.
Spanish support is available.
To access, please call (360) 662-2000 or toll free nationwide at 1 (800) 422-5852.
An overdraft fee is charged when a transaction causes your checking account with Kitsap Credit Union to go below a $0 balance, meaning you spend more money than is currently available in your account.
Overdraft fees vary depending on the type of transaction and are listed in the current Rate and Fee Schedule.
To help avoid declined transactions or returned payments, Kitsap Credit Union offers overdraft protection options, including an Overdraft Line of Credit. When enrolled, funds are automatically transferred from your line of credit to cover eligible transactions, such as checks, debit card purchases, or bill payments when your account balance is low.
Learn more about overdraft protection options and how they work to help manage unexpected expenses.
At this time, Kitsap Credit Union does not process international wires.
We offer our members the service of processing domestic wire transfers. You may request a wire transfer in person at any of our branch locations or through Kit, our Virtual Assistant, is on our website 24/7. No login needed. Ask a question anytime, or chat with a representative from our Member Services team Monday through Friday, 9 a.m. to 5 p.m.
Incoming and outgoing wire transfers are subject to the current fee as published on our Rate and Fee Schedule.
A post-dated check is a check that is written with a future date instead of the current date. While it is intended to be deposited or cashed at a later time, financial institutions, including Kitsap Credit Union, may still process a check before the date written on it.
For this reason, it is not recommended to issue a post-dated check or write a check before sufficient funds are available in your account, as it may result in overdraft fees or declined payments.
Launch! Account is a checking account that offers members ages 13-17 the opportunity to experience maintaining a checking account through online and mobile banking, banking and utilizing a Debit Card for a positive transition into financial independence.
Note: Parent or guardian co-owner required if under the age of 18
Courtesy Pay is an optional overdraft service offered by Kitsap Credit Union that may allow eligible checking account transactions to be approved even when there are insufficient funds in your account. This can help prevent declined debit card purchases, returned checks, or unpaid transactions.
With Courtesy Pay, eligible accounts may overdraw up to a set limit, currently up to $500, with a maximum negative balance of $532 when fees are included. Standard overdraft or non-sufficient funds (NSF) fees may apply. For full fee details, refer to the Rate and Fee Schedule.
Courtesy Pay is available only to eligible members who have opted in and meet account requirements, which may include:
Members can choose to opt in or opt out of Courtesy Pay at any time by contacting Kitsap Credit Union.
If your checkbook is lost or stolen, it is important to act quickly to protect your checking account with Kitsap Credit Union from potential fraud or unauthorized withdrawals.
Because check information can be used for fraudulent activity, we may recommend closing the affected checking account and opening a new one to help protect your funds and personal information.
If your checkbook is missing, contact Kitsap Credit Union as soon as possible. Our team can help secure your account, review recent activity, and guide you through opening a new checking account if needed.
You can cancel a corporate/cashier’s check by placing a stop payment. To place a stop payment, contact us and we would be happy to assist you.
Please view our current Rate and Fee Schedule for more information regarding stop payments.
If your checking account with Kitsap Credit Union has a negative balance, you should make a deposit as soon as possible to bring your account back to a positive balance.
If you are unable to immediately cover the negative balance, contact Kitsap Credit Union to review available overdraft protection options and repayment solutions.
To help prevent future negative balances, we also offer overdraft protection services that may link your checking account to:
These options may help cover transactions when your available balance is low and reduce the risk of overdraft fees or declined payments.
Protect yourself with Overdraft Protection
Give yourself extra protection against bounced checks and denied debit card transactions. We offer to link your checking account as overdraft protection with an Overdraft Line of Credit, or Additional Savings Accounts.
Most tax forms, such as a 1099 or 1098, will be sent by the end of January each year. If you have eStatements, these forms will be available to you in your online banking account with your eStatements. They will also be mailed to all members receiving these forms.
Exception: Form 5498, which shows IRA contributions, will be sent by the end of May
To sign up for eStatements simply log into our online banking account, click the “Account Services” tab, then the Statements section, review the terms and conditions, and complete the registration!
You can also sign up for eStatements when you log into our mobile apps. Just click "More" from the bottom menu, then "Statements" and follow the prompts to sign up!
Unfortunately, there may have been an error during the automated processing of your check. We can help get that corrected for you. Please contact us at your earliest convenience and we will be happy to assist you.
A check or transaction may be declined even when funds appear available due to the difference between your available balance and posted balance. Your available balance may be reduced by pending debit card transactions, holds, or other authorized payments.
Kitsap Credit Union offers overdraft protection options that may help prevent returned checks and declined debit transactions. These include:
When enrolled, eligible funds may automatically transfer to cover transactions when your balance is low.
We have options to help cover future transactions.
Our Overdraft Line of Credit can provide extra protection against bounced checks and denied debit card transactions. When needed, funds are automatically transferred from the line of credit you have available to your checking account.