Annual Report

89thAnnuallReport2022

Are you a full service financial institution?

Yes! Kitsap Credit Union is a full-service financial institution that offers a wide range of personal and business financial products as well as account access tools so you stay in control of your accounts. 

To view the different products for personal and business accounts, just navigate to our website and click on the Personal or Business tabs near the top of the page.
 

Not yet a member?

Learn more About KCU.

Are your Board of Directors Paid?

In January 2018, Kitsap Credit Union established a Compensation Policy to provide reasonable compensation for its Board of Directors and Supervisory Committee members as allowed by Washington law and KCU bylaws. 

For more information, visit our Board of Directors web page.

Not yet a member?

Learn more About KCU.

Can anyone join the credit union?

Kitsap Credit Union is a community credit union, serving those who live, work, worship, or attend school in Washington State, and their immediate family members. Once you become a member of our credit union, you can always remain a member – no matter where you work or live. We believe in our four core values to help you have the best financial experience possible:

• Integrity
• Responsibility
• Collaboration
• Authentic

Apply to become a Kitsap Credit Union member today

Review our About KCU page for more information.

Can I use Kitsap Credit Union as a shared branch?

At this time, Kitsap Credit Union does not participate in Shared Branching but many of our ATMs are part of the CO-OP Network and allow for deposits. For our ATM locations, visit our locations page.

We can help non-KCU members with some services such as issuing Corporate Checks and processing a cash advance on a credit or debit cards. These services are subject to our current fees as published on our List of Fees.

Not yet a member?

When you apply today, there is no minimum opening deposit required for your Primary Savings account. 

You will also need the following information in order to complete the application:

• Government-issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Learn more About KCU.

How can I attend the Annual Meeting?

The 2021 Annual Meeting will be held virtually on Monday March 29th, 2021 at 6:30pm. For details on how to join, click: https://www.kitsapcu.org/AnnualMeeting/

How do credit unions differ from banks?

The biggest difference is that credit unions are not for profit. We are owned by and operated for our member-owners, those who have accounts at the credit union, and that’s why we make decisions based on what’s best for the membership.

Kitsap Credit Union was founded on the principles of people helping people. In addition to providing the products and services you need, we believe in helping people achieve more financially, socially, and as a community. As a local co-op, dollars you deposit, and loans you repay, directly benefit the local community.

For additional details about choosing a credit union, check out the video below.

How do you invest in the community?

We take great pride in the communities we serve and actively give back in a number of ways. 

We reach thousands of young adults with financial education classes each year through partnerships with various community organizations and local high schools. We also provide monetary support to local community projects such as the Great Kitsap Give, local Habitat for Humanity Chapters, area food banks, and many more nonprofit and civic organizations.

To see what we're up to, visit us on Facebook at https://www.facebook.com/kitsapcreditunion/

Learn more About KCU.

How is a credit union governed?

Much like the FDIC governs what happens at a bank, NCUA is the federal regulator for Kitsap Credit Union and oversees the management of the federal deposit insurance fund.

On the local level, Kitsap Credit Union is governed by its Board of Directors, who serve and represent the best interest of the members. Every member, regardless of the amount in their account, can cast a vote to elect the credit union’s board members.

Not yet a member?

Apply using our Online Application.

Is my account information available 24-hours a day?

Yes! Your account information is available in online banking, mobile banking, and Phone Banking 24 hours a day.

From time to time, there may be short periods of time where our online banking, mobile banking, or phone banking are not available for routine maintenance or updates. We will post this information on the log in page.

New to Online Banking? Learn more and enroll now!

Use your banking account on your mobile device! 

Now you can access your money whenever and wherever. Checking your account balance, making a deposit, transferring money, paying your bills – these all can be done via mobile app!

What are some advantages of being a member of a credit union?

There are many benefits to being a member of Kitsap Credit Union:

1. Members first. Our biggest advantage is that we put our members on the first place and treat them as a big part of our credit union.
2. Better rates. We offer lower interest rates on loans and higher savings rates.
3. Lower fees. Our fees are low for transferring money and overdraft. Plus, there is NO monthly fee for using our services!
4. Great customer service. Our members are our main priority. That’s why we always work our best to make our members happy.
    
    

For more information or additional assistance please call 360-662-2000 or 800-422-5852 to speak with a Contact Center Member Representatives, or visit one of our local branches.

Not a Kitsap CU member yet? Join us today!

What are your hours?

Our Contact Center Member Representatives are also available to help you over the phone 24 hours a day, 7 days a week. Call 1-800-422-5852.

For our branch locations and hours, visit our Locations Page.

Our Contact Center Member Representatives are also available to help you over the phone 24 hours a day. Call 1-800-422-5852.

Many account services are available from home. For a list of services and options, view our Service Menu.

You can also request an appointment to sit down with one of our Member Specialists or schedule a video chat when it is convenient for you. Select “Appointment Request” on our Locations Page for the location that works best for you.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text alerts and notifications, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

What are your locations?

View our Kitsap Credit Union branch locations and convenient ATMs on our Locations page.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

What is a credit union?

A credit union is a cooperative financial institution that is owned and controlled by its members. Credit unions differ from banks and other financial institutions in that the members who have accounts in the credit union are the owners of the credit union - there are no external shareholders. Profits from the operations of a credit union are distributed to members in the form of dividends.

The basic services of a credit union are to offer savings accounts and loans to members. For more information, watch the fun video below!

Apply to become a Kitsap Credit Union member today

Learn more About KCU and when you're ready, apply today using our Online Application.

What is your contact information?

There are several ways that you can contact Kitsap Credit Union.

Online:

• For assistance via Live Chat, sign into Online Banking 
• To send a secure message, sign into Online Banking and click ‘Support’.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• Visit any of our Kitsap CU branch locations.

By Mail:

• Mail your request to us at: Kitsap Credit Union  P.O. Box 990 Bremerton, WA 98337

By Fax:

• Fax your written request to us at (360) 698-6614. Please include your contact information.

Not yet a member?

When you apply today, there is no minimum opening deposit required for your Primary Savings account.

You will also need the following information in order to complete the application:

• Government-issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Learn more About KCU.

What is your mailing address?

For all  branches and departments or to mail your check/money order loan or Visa payments, please use the following mailing address:

 Kitsap Credit Union
 P.O. Box 990
 Bremerton, WA 98337-0230

For overnight deliveries using FedEx or UPS ONLY please use the following address:

Kitsap Credit Union
155 Washington Ave
Bremerton, WA 98337

Deliveries are possible from 9am-5pm Monday through Friday.

What is your phone number?

Our phone number is 1-800-422-5852 or (360) 662-2000 and our Member Specialists are available 24 hours a day. This number also provides you access to our 24 hour Phone Banking, the automated account information system and the option to report your Kitsap Credit Union debit or credit card as lost or stolen anytime.

Where are the Shared Network Locations?

Kitsap Credit Union does not currently participate in Shared Branching.  However, we are a part of the CO-OP ATM network that allows you to access your money almost anywhere at surcharge-free ATMs.

The CO-OP ATM network offers tens of thousands of surcharge-free ATMs coast to coast located where you live, work and travel.

You can view our branch locations and various ATM locations by going to our Locations page.

Need account access on-the-go?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Where can I get information about career opportunities?

Kitsap Credit Union is a great place to work! Please find which positions are currently open on our Career Opportunities page.

Looking to start your career at Kitsap Credit Union?

At Kitsap Credit Union, our service mission is to empower all employees to provide an exceptional experience to every member, one interaction at a time. We pride ourselves on our great work environment and benefits.

Learn more about starting a career with us on our Careers page, and see what the Benefits and Perks we have to offer.

Ready to apply?

Once you have reviewed our current open positions, click on the Apply Now button to complete our online application to join our dynamic team.

If you need assistance with the application process, please call 360-662-2124.

Who owns a credit union?

Credit unions are owned by their members, while banks are owned by the shareholders. 

Not yet a member?

Learn more About KCU and when you're ready, apply today using our Online Application.

Why aren't credit unions insured by the Federal Deposit Insurance Corp. (FDIC), like banks and thrifts?

Credit unions are insured by the National Credit Union Share Insurance Fund managed by the National Credit Union Administration, which is a federal government agency that charters and supervises credit unions.

Not a Kitsap CU member yet? Join us today!

Are there any fees for using Mobile Wallet?

The ability to add Kitsap Credit Union's debit and credit cards into your device's Mobile Wallet free.

Please be aware, as with all transactions, merchants may charge a card processing fee. An active data plan is required. Based on your wireless plan or mobile carrier's offering, additional message and data charges may also apply.

Your Visa Account Agreement will apply for Kitsap Credit Union credit card purchases.

For mobile payment terms and conditions, click here.

Want to learn more about Kitsap debit and credit cards?

• Click here to learn more about our credit card options.
• Click here to learn more about our debit card options.

Can I deposit checks on the mobile app?

Yes! Both personal and business members can make a deposit by snapping a photo of the front and back of the check with the Mobile Check Deposit feature.

Visit our Mobile Check Deposit page for more information. Business Members, visit our Business Services page for more information 

Do you still need mobile access to your account?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Can I set up my online banking to automatically deduct my loan payment?

Yes! If your loan is with Kitsap Credit Union, you can schedule automatic transfers from your Kitsap Credit Union savings or checking account by clicking on the “Schedule a Transfer” option on the “Move Money” tab.

If your loan is at another financial institution and you have a Kitsap Credit Union checking account, you can make your payment with our free Bill Pay.

Getting started is easy!

If you are not currently a Kitsap Credit Union member, you'll first need to establish a checking account.

Otherwise, follow these few simple steps below.

1. Login into your free Kitsap Credit Union online banking account.
2. Select the Bill Pay tab, located at the top of the page, and click "Complete Sign up" after acknowledging the Terms & Conditions
3. Use the option "Need to pay someone new?" to start adding payeess

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.

Don’t have online banking yet?

Sign up today!

Can I use my Kitsap Credit Union card with Mobile Wallet?

Yes! Your Kitsap Credit Card is designed to work with mobile wallets.

Add your card to Mobile Wallet:

1. Follow your mobile device's steps to add your Kitsap Credit Union debit and credit cards. Remember to designate your credit union card as your default by ensuring it is the first card on the list of cards you see in the mobile wallet app.
2. You're ready to pay!

Click here for more information on Mobile Wallet and enjoy renewed speed and security in your purchases!
For mobile payment terms and conditions, click here.

Do I have to close my accounts if I move out of state?

No. Once you are a member of Kitsap Credit Union, you can remain a member, no matter where you live.

With online banking and CO-OP ATMs, accessing your account from anywhere is easy!

Don’t have Online Banking yet?

Our online banking service lets you conveniently access your KITSAP CREDIT UNION accounts 24/7 from any computer or mobile device.

Manage your KITSAP CREDIT UNION accounts on your mobile device!

You can access your money whenever and wherever it's convenient for you.

For more information please visit our Mobile Banking page!

Do I need to do anything with my Mobile Wallet if I get a new debit or credit card?

Yes. If your card expired or replaced your card for security purposes, you'll want to delete the old card and then enroll the new card on all of your devices.

1. Delete your old card from the Mobile Wallet app
2. Enroll the new card on all of your devices by following your mobile device's steps to add your Kitsap Credit Union debit and credit cards. 
3. Remember to designate your credit union card as your default by ensuring it is the first card on the list of cards you see in the mobile wallet app.

For more information on how to update your Mobile Wallet cards, visit the link below that corresponds to your device.

• Apple Pay® , Google Pay , Samsung Pay
  
  

Looking to get a new debit or credit card?

Give your everyday spending an upgrade. Every checking account at Kitsap Credit Union has no monthly fees, robust online and mobile banking features, and free online Money Management. Plus, you can access 30,000 no-fee CO-OP Network ATMs nationwide.

• Click here to learn more about our credit card options.
• Click here to learn more about our debit card options.

How can I check my account balance?

There are several ways to check your account balance:

• Mobile Banking
• Online Access (Online Banking)
• Phone Banking
• Branch/ATM

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

You can also enjoy on-the-go access by downloading the app today!

How can I make a loan payment to another financial institution using online banking?

With your Kitsap Credit Union checking account, you can make a loan payment to another financial institution online with our free Bill Pay service.

To get started, simply log into your online banking account, click the Bill Pay tab, and enter the information into the “Need to pay someone new?” box.

Looking for Bill Pay? Signing up is easy!

1. Login into your free Kitsap Credit Union online banking account.
2. Select the Bill Pay tab, located at the top of the page, and click "Complete Sign up" after acknowledging the Terms & Conditions
3. Use the option "Need to pay someone new?" to start adding payees

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.

How can I view my account balances online?

Just sign into your online banking account and your balances will be displayed there for you!

Online banking is a free service provided to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access transfer between your accounts, take advantage of Bill Pay, or create a budget with Money Management all from the comfort of your home. 

How do I change my online banking password?

While logged in to your online account, click on “My Settings” in the upper right-hand corner of our site, then click “Update Password” on the left.

You will need to select a unique password that…

• Must be between 8 and 32 characters long.
• Must be a combination of letters, numbers, and symbols.
• Cannot be a substring of the username.

Think your password may have been compromised?

We care about your financial security and well-being. To ensure your online and financial safety, here are a few tips:

• Change your passwords routinely. We recommend updating your passwords several times each year.
• Use passphrases. The longer your password, the better. Long passwords are harder for hackers to figure out.

How do I deposit checks online?

At this time, remote check deposits are only available on our mobile apps.

From the mobile app, log into your account, click Check Deposit, and follow the directions. It’s that easy!  Visit our Mobile Check Deposit page or the Business Services page for more details!

Not yet enrolled in Mobile Banking?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

How do I get a copy of my statement?

If you are signed up for eStatements, simply click on the “Statements” tab in your online banking account to locate the statement you need. If the statement you are looking for is not available online, contact us and we can help you obtain a copy. (Please see our Rate and Fee Schedule for our current statement copy fee.)

Don't have access to online banking?

Learn more and sign up today!

How do I get started with Mobile Wallet?

Get started with Mobile Wallet in three simple steps!

1. Open the mobile payment app on your Apple®, Samsung, or Android™ device. If your device does not already have the Mobile Pay app, download now!
   • For Apple devices, visit the App Store®.
   • For Samsung or Android device, visit Google Play.
2. Add your Kitsap Credit Union debit and/or credit card to you Mobile Wallet. 
   • Follow your mobile device's steps to add your Kitsap Credit Union debit and credit cards. 
   • Remember to designate your credit union card as your default by ensuring it is the first card on the list of cards you see in the mobile wallet app.
3. You're Ready to Pay!
   • To pay using your device, simply hold your device near a store's contactless card reader to complete your purchase.

Make sure it’s secure!
Please note that maintaining your phone security is extremely important. Your device must be password protected to use Mobile Pays. For added security, we highly recommend the use of biometric options your device may offer, such as fingerprint authentication.
Click the link below that corresponds with your device for more information on Mobile Pay.

• Apple Pay® , Google Pay , Samsung Pay
  
  

For mobile payment terms and conditions, click here.

How do I log in to online banking?

To sign in, access our login page. You will then need to enter your unique user ID and password.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up eMessenger text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

You can also enjoy on-the-go access by downloading the app today!

How do I log off of online banking?

The log out option location varies depending on the type of device you are using. To log off:

From a desktop or laptop:

•  Select the Logout option on the top right-hand corner of the window or close out of the browser.

From the mobile app:

• Click the door icon on the top right-hand corner of the window.

From your mobile device's web browser:

• Select Menu and then Logout at the bottom of the menu list.

Did you know you can use your Online Banking login on your mobile device?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

How do I make credit card payments online?

Here are the ways you can make your Kitsap Credit Union credit card payment online:

• Simply transfer your payment to your credit card on the same account as your Kitsap Credit Union savings or checking account in your online banking account.
• If you would like to make a payment from a checking account with at another financial institution, you can make a payment online on our Web Payments Center. See our current Rate & Fee Schedule for Pay by Phone Convenience Fee.

Visit our Payment Options page to see all the ways you can make your payments!

Don’t have online banking yet?

Joining is easy. Sign up today!

How do I obtain login credentials for my mobile banking app?

To sign into the mobile banking app, enter the same user name and password you have for online banking. 

Don’t have online banking?

Online banking opens convenient 24/7 access to your account. Click here for steps to get started today.

How do I pay using Mobile Wallet?

Once your cards are added to the Pay app on your device:

1. Hold your phone to the contactless card reader at any participating merchant. 
2. Your phone will prompt you to unlock your phone by password or fingerprint.
3. This will authorize the purchase.

Make sure it’s secure!
Please note that maintaining your phone security is extremely important. Your device must be password protected to use Mobile Pays. For added security, we highly recommend the use of biometric options your device may offer such as fingerprint authentication.
Click the link below that corresponds with your device for more information on how to use Mobile Wallet.

• Apple Pay® , Google Pay , Samsung Pay
  
  

How do I set up automatic Online Bill Payment so the payment is made every month?

From the “Bill Pay” tab in your Online Banking account, select “Options” under the biller’s name you would like automatic payments set up for, then click on “Automatic Payment.” You’ll be able to select the frequency of your payment, enter a start and end date, and select to receive an email notification.

Looking for Bill Pay? Signing up is easy!

1. Login into your free Kitsap Credit Union online banking account.
2. Select the Bill Pay tab, located at the top of the page, and click "Complete Sign up" after acknowledging the Terms & Conditions
3. Use the option "Need to pay someone new?" to start adding payeess

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.

How do I sign up for mobile banking?

There’s no need to sign up! Simply follow the instructions below to begin using mobile banking.

1. Download the app to your device from the

   

2. Click Secure Sign In
3. Log in using your online banking username and password.

We like it easy

Mobile banking gives you anywhere, anytime access to your:

• Balance
• Account History
• Transfers
• Bill Pay
• Mobile Wallet

Don’t have online banking?

Online banking opens convenient 24/7 access to your account. Click here for steps to get started today, or sign up from your Kitsap mobile app.

How do I sign up for online banking?

If you have an account with Kitsap Credit Union, you're already signed up for online banking!

Your first time login user name is your 6 digit account number.

Your temporary password will be “KCU” plus the last five digits of the social security number of the person whose name is listed first on the account. For example, if the social security number is 123-45-6789, then your password would be KCU56789.

For more information visit, How to access your new account.

Online banking is free to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access transfer between your accounts, take advantage of Bill Pay, or create a budget with Money Management all from the comfort of your home.  

Need account access on-the-go?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

How do I sign up for Online Bill Pay?

Getting started is easy. If you're not currently a Kitsap Credit Union member, you'll first need to establish a checking account.

Otherwise, follow these few simple steps below.

1. Login into your free Kitsap Credit Union online banking account.
2. Select the Bill Pay tab, located at the top of the page, and click "Complete Sign up" after acknowledging the Terms & Conditions.
3. Use the option "Need to pay someone new?" to start adding payees.

Once your payee has been added, you will be directed back to "My Bills & People I Pay," where you can now schedule single or reoccurring payments.

Enjoy the simplicity, security, and time saving convenience, of free bill pay online or with our mobile apps.

• Pay your bills in minutes without having to purchase stamps, or address envelopes.
• Establish reoccurring payments, and never worry about forgetting mailing a check again.
• Relax, with the guarantee that your payments will be sent as scheduled, every time.

How do I sign up to receive eStatements?

To sign up for e-Statements simply click on "Statements" from the "Account Services" tab, insert your preferred email address, and agree to the terms and conditions.

You can also sign up for e-Statements when you log into our mobile apps. Just click "More" from the bottom menu, then "Statements" and follow the prompts to sign up!

e-Statements offer many benefits including:

• 24/7 online access
• Conserve paper
• Printable directly from your online application
• Free

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up eMessenger text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

You can also enjoy on-the-go access by downloading the app today!

How do I turn account alerts off?

There's two types of alerts. Account alerts are based on overall transactions in your account. Card management alerts are based on only card transactions in your account.

To turn off the Account Alerts: 

In Online Banking, select Mobile Banking and Alerts from the "Additional Services" tab and uncheck the alert you wish to turn off. 

At this time, Account Alert text message settings are not available through our mobile apps. You can use your mobile device's internet browser to use the step above to adjust account alerts. 

To turn off the Card Management alerts:

In Online Banking, select Card Management from the "Additional Services" tab, then select "Set or Update Card Alerts."

In the Mobile App, select Card Management from the "More" menu, then select "Set or Update Card Alerts."

Need account access on the go?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

How much does it cost to use online banking?

Online banking is a FREE benefit to our members! 

Manage your new account online!

Online banking is free to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access transfer between your accounts, take advantage of Mobile Bill Pay, or create a budget with Money Management all from the comfort of your home.

If you have an account with Kitsap Credit Union, you're already signed up for online banking!

I have my Kitsap Credit Union cards stored in my Mobile Wallet on my phone. My phone was lost or stolen, what should I do?

Remotely disable, lock, or wipe your personal information from your phone using your device manufacturer's online site if possible. You can also log into online banking on a computer or another mobile device and turn your card off using the Card Management option. 

Contact us!

We will disable your Kitsap Credit Union card from being used through your lost or stolen device.

• Online:
  • For assistance via Live Chat, sign into Online Banking 
  • To send a secure message, sign into Online Banking and click Support.
• By Phone: 
  • To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852
• In Person:
  • For our branch locations and hours click here.

For more options, click the link that corresponds to your device.

If I erase my phone does that cancel my physical cards I had set up in my Mobile Wallet?

No, erasing the information on your phone will have no effect on your physical cards. By erasing your phone or deleting cards from your card will simply be deleted from your phone.

You may place your cards back into the mobile app at your convenience.

To replace your card in Mobile Wallet:

1. Follow your mobile device's steps to add your Kitsap Credit Union debit and credit cards. Remember to designate your credit union card as your default by ensuring it is the first card on the list of cards you see in the mobile wallet app.
2. You're Ready to Pay!

Is there a monthly fee for Online Banking and Online Bill Pay?

No. These benefits are completely free to our members!

Don’t have Online Banking yet?

Our online banking service lets you conveniently access your KITSAP CREDIT UNION accounts 24/7 from any computer.

Samsung Pay Security Features and Tips

Samsung lets you make purchases at participating merchants with virtual cards on your Samsung device.

It’s simple to get started:

1. Download and install the Samsung Pay app from Google Play™ if the Samsung Pay app isn’t already pre-installed on your device.
2. Add your Kitsap Credit Union debit and credit cards to the Samsung Pay app on your device.
3. Hold your phone near the reader at participating merchants, select your payment card, and follow the prompts.

Security Features:

Samsung Pay requires your fingerprint or Samsung Pay PIN to be entered on your device for every purchase.

Samsung Knox or Find My Mobile is set up with your Samsung Account. This will allow you to locate your device, remotely lock, or erase all of your data if your phone is ever lost or stolen.

Here are a few tips to help you protect your Samsung devices and financial accounts:

• Update your device operating system when updates are available. This will ensure your device has the latest releases to ensure your phone’s security features are up to date.
• Install an antivirus app and keep it updated. Consider consulting with your device manufacturer or technology blogs for recommendations on the best antivirus options.
• Avoid installing apps from third-party websites or unreliable sources. Best practice is to install apps only from Google Play™. Read the permissions requested by every application before installing it to ensure you understand what information will be accessed and how.
• Perform regular backup of data stored in devices. That way if you ever need to wipe your device because of suspected malware or ransomware, you’ll be able to restart your device with the information you saved on your backup.
• If your device doesn’t have a fingerprint lock feature, it’s best to use a passcode that is at least 8 characters, with a combination of letters, numbers, and special characters. Never use your birthdate, Social Security Number, address, or other commonly used identifiers. This only makes it easier for cyber-criminals to attempt hacking your device. And NEVER share your passwords with anyone.
• Change online and mobile banking passwords frequently; we recommend every 60 to 90 days.
• Never view or share personal information over a public Wi-Fi network, such as those available in a coffee shop, or public transportation.

For Kitsap Credit Union’s Mobile Payment Terms and Conditions, click here.

For more information about Samsung Pay including set up, use, and security, visit the Samsung Pay Help website.

Samsung, Samsung Pay, and the Samsung Logo are trademarks of Google Inc.

What are some Apple Pay® Security Features and Tips?

Apple Pay® lets you make purchases at participating merchants with virtual cards on your iPhone® and Apple Watch®.

It’s simple to get started:

1. Add your Kitsap Credit Union debit and credit cards to the Wallet app on your iPhone®.
2. Pay by holding your iPhone® or Apple Watch® near the reader at participating merchants.

Security Features:

Apple Pay® requires every transaction on your iPhone® to be authenticated with Touch ID® or your passcode. Your Apple Watch® is protected by your passcode. When you pay in stores, a unique secure token is provided instead of your actual card number. 

Here are a few tips to help you protect your Apple devices and financial accounts:

• Turn on iCloud® to use Find My iPhone® on your iPhone®, or Apple Watch® . This will allow you to suspend Apple Pay® by placing your device in Lost Mode using Find My iPhone®. You can also erase the device remotely to prevent anyone else from accessing the data on your missing device. Visit Apple’s Website for more information about lost devices.
• Update your device operating system when updates are available. This will ensure your device has the latest releases to ensure your phone’s security features are up to date.
• Install an antivirus app and keep it updated. Consider consulting with your device manufacturer or technology blogs for recommendations on the best antivirus options.
• Avoid installing apps from third-party websites or unreliable sources. Best practice is to install apps only from the AppleApp Store®. Read the permissions requested by every application before installing it to ensure you understand what information will be accessed and how. 
• Perform regular backup of data stored in devices.  That way if you ever need to wipe your device because of suspected malware or ransomware, you’ll be able to restart your device with the information you saved on your backup.
• The best practice for your Apple® device is to use Touch ID® if your device has it. Touch ID® takes the place of a passcode you select to secure access to your device. For more information about Apple’s Touch ID®, click here.
• If your device doesn’t include Touch ID® or you prefer to use a passcode, it’s best to use at least 8 characters, with a combination of letters, numbers, and special characters.  Never use your birth date, Social Security Number, address, or other commonly used identifiers.  This only makes it easier for cyber-criminals to attempt hacking your device. And NEVER share your passwords with anyone.
• Change online and mobile banking passwords frequently; we recommend every 60 to 90 days.
• Never view or share personal information over a public Wi-Fi network, such as those available in a coffee shop, or public transportation.

For Kitsap Credit Union’s Mobile Payment Terms and Conditions, click here.

For more information about Apple Pay® including set up, use, and security, visit the Apple Pay® Support website.

What are some Google Pay™ Security Features and Tips?

Google Pay™ lets you make purchases at participating merchants with virtual cards on your Android device.

It’s simple to get started:

1. Download and install the Google Pay™ app from Google Play™.
2. Add your Kitsap Credit Union debit and credit cards to the Google Pay™ app on your device.
3. Pay by unlocking your phone, hold it near the reader at participating merchants, and follow the prompts. 

Security Features:

Google Pay™ requires you to set up a screen lock on your device. It can be fingerprint or password. You will need to unlock your device in order to pay using Google Pay™. 

Android’s Device Manager is set up when you initiate Google Pay™. This will allow you to locate your device, or remotely lock, or erase all of your data if your phone is ever lost or stolen.

Here are a few tips to help you protect your Android™ devices and financial accounts:

• Update your device operating system when updates are available. This will ensure your device has the latest releases to ensure your phone’s security features are up to date.
• Install an antivirus app and keep it updated. Consider consulting with your device manufacturer or technology blogs for recommendations on the best antivirus options.
• Avoid installing apps from third-party websites or unreliable sources. Best practice is to install apps only from Google Play™. Read the permissions requested by every application before installing it to ensure you understand what information will be accessed and how. 
• Perform regular backup of data stored in devices.  That way if you ever need to wipe your device because of suspected malware or ransomware, you’ll be able to restart your device with the information you saved on your backup.
• If your device doesn’t have a fingerprint lock feature, it’s best to use a passcode that is at least 8 characters, with a combination of letters, numbers, and special characters.  Never use your birthdate, Social Security Number, address, or other commonly used identifiers.  This only makes it easier for cyber-criminals to attempt hacking your device. And NEVER share your passwords with anyone.
• Change online and mobile banking passwords frequently; we recommend every 60 to 90 days.
• Never view or share personal information over a public Wi-Fi network, such as those available in a coffee shop, or public transportation.

For Kitsap Credit Union’s Mobile Payment Terms and Conditions, click here.

For more information about Google Pay including set up, use, and security, visit the Google Pay Help website.

What do I do if I forgot my online banking password?

If you forgot your password, follow the steps below to retrieve it:

1. Navigate to the Online Banking Login page
2. Click“Forgot your Password / Username?”

If you are having trouble on your Mobile App you can select "Forgot Login"  and you will be prompted with the next steps to recover your Username and/or password.

What do I do if I have been locked out of my online banking?

You can unlock your account by selecting the “Forgot your Password/Username?” link on the login page or by selecting the “I can’t access my account” link from an unsuccessful log in attempt. These options will unlock your account and reset your online banking password.
If these steps are unsuccessful, please contact us and we would be happy to assist you!

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

• For our branch locations and hours click here.

What do I do if I made a payment through Bill Pay, but my biller hasn’t received the payment yet?

With our bill pay system, your payment can be sent to your payee one of three ways and each take a different amount of time to be received.

You can review the type of payment that was sent to your payee from your Online Banking account. Click the Bill Pay Tab and it will be listed on the right-hand side under the "Recently Processed Payments" Section.

Clicking the magnifying glass next to the payment will provide the payment that was sent, either electronic or check. If it was sent as a check, it will provide the check number and address it was mailed to.

Bill Pay will submit the payment in time to be received by the date you selected for the pay date, however some delivery delays may happen should the payment be sent by mail.

If the recipient has not received the payment, or if you would like us to review your account for specific information, please contact us.

What is Mobile Wallet?

Mobile Wallet is a mobile application that allows you pay for your purchases through your smartphone or other mobile device at participating retailers or online. Some may refer to it as contactless payments.

Goodbye plastic cards, hello fast and secure.
Your KCU card is compatible with:

• Apple Pay® , Google Pay , Samsung Pay
  

Ready to get started?

1. Open the mobile payment app on your Apple®, Samsung, or Android™ device. 
2. Add your Kitsap Credit Union debit and/or credit card.
3. You're Ready to Pay!

For mobile payment terms and conditions, click here.

Need account access on-the-go?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

What types of accounts can be viewed with Online Banking?

All Kitsap Credit Union accounts are able to be viewed online.

Don’t have Online Banking yet?

Our online banking service lets you conveniently access your KITSAP CREDIT UNION accounts 24/7 from any computer.

Manage your KITSAP CREDIT UNION accounts on your mobile device!

You can access your money whenever and wherever it's convenient for you.

For more information please visit our Mobile Banking page!

Why am I having trouble logging in to online banking?

There are a variety of reasons why you are experiencing issues logging in such as entering an invalid username or password, and we apologize for the inconvenience.

• Is this your first time logging in? If so, follow our simple 5-minute setup process for your Personal or Business accounts.
• Incorrect Username / Password? Please note that after five incorrect login attempts, your account will be locked for security reasons. To unlock your account, follow the steps in the Forgot your Password / Username option on the login page.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Will Mobile Wallet transactions using my debit card count as a qualifying transaction for Gold Checking?

Yes! Using your Kitsap Credit Union debit card with Mobile Wallet will be counted as one of your qualifying debit card transactions.

Take all your cards wherever your phone goes

Forget your wallet at home and upgrade to a digital wallet! Mobile Wallets let you go digital with your debit and credit card payments. Use all your favorite Kitsap Credit Union cards with a faster and more secure method.

Learn more on the Mobile Wallet page and get started today!

How much does it cost to use Online Bill Pay?

Our Online Bill Pay is free!

Enjoy the simplicity, security, and time saving convenience, of free bill pay online or with our mobile apps.

Getting started is easy. If you're not currently a Kitsap Credit Union member, you'll first need to establish a checking account.

Otherwise, follow these few simple steps below.

1. Login into your free Kitsap Credit Union online banking account.
2. Select the Bill Pay tab, located at the top of the page, and click "Complete Sign up" after acknowledging the Terms & Conditions
3. Use the option "Need to pay someone new?" to start adding payees

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.

Interested in becoming a member?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

How secure is Online Bill Pay?

The only way to access your Online Bill Pay is to log in to your Online Banking account with your credentials. Our Online Banking uses multifactor authentication to ensure it’s you when you log in to your account.

Your security is top priority. Learn more about security practices on the Kitsap Credit Union website.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

I made a payment through Bill Pay and it shows completed but the money hasn't been deducted from my account.

This would likely mean that the payment was sent from Bill Pay as a draft check. The funds will be debited from your account when the payee receives and deposits the check. If there has been an extended period since the bill payment was completed, please contact the recipient to confirm if they received the payment.

You can review the type of payment that was sent to your payee from your Online Banking account. Click the Bill Pay Tab and it will be listed on the right-hand side under the "Recently Processed Payments" Section.

Clicking the magnifying glass next to the payment will provide the payment that was sent, either electronic or check. If it was sent as a check, it will provide the check number and address it was mailed to.

You can contact us to review your account further.

Can I collect funds from my customers electronically?

Yes, with Cash Management* you can initiate ACH (Electronic) debits from your customers' accounts.

*Please note: This feature is subject to approval and fees apply. Please refer to our Business Rate and Fee Schedule for applicable fees.

To learn more about these features and how to access them, schedule an appointment of give us a call at (800) 422-5852.

Still need to sign up for business online banking? Contact us to sign up today!

With Business Online Banking, you can view your account history, make online transfers, provide access to others, sign up for eStatements...and more! All from the comfort of your own home.

Can I deposit checks remotely with a business account?

Yes! No matter where you are, no matter what time of day - it's simple, secure, and fast to deposit your check. 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 email confirmation for added peace of mind.

1. Log into the Kitsap Credit Union Business Banking app*.
2. Select “Check Deposit”.
3. Select the account to deposit to and enter the amount.
4. Endorse the back of the check with “For KCU Mobile Deposit Only”, the business name and account number.
5. Take a photo of the front and the back of the check.
6. Click “Deposit” and you’re done!

*Message and data rates may apply.

Don't have access to mobile business banking?

Wherever you are, we make it easy for you to pay bills, manage money, and ask questions. So dream, grow, explore, live, and make the moment count. We're right there with you.

Learn more about the convenient features of Mobile Banking.

Can I link my business account to my personal account at Kitsap Credit Union?

Yes! Personal accounts can be linked to business accounts and vice versa. To link your accounts, give us a call to complete a Linked Account Access Authorization Form through email or print one out to complete, sign and return to use by mail or fax. 

Can I pay employees by direct deposit?

Yes! With Cash Management, paying employees is quick and efficient. 

To learn more about these features and how to access them, schedule an appointment or give us a call at (800) 422-5852.

Sign up for Business Online Banking today!

With Business Online Banking, you can view your account history, make online transfers, provide access to others, sign up for eStatements...and more! All from the comfort of your own home.

Can I pay vendors electronically?

Yes! Our Cash Management* feature in business online banking is like your virtual checkbook! Make payments to your vendors electronically from your desktop or laptop anytime.

To learn more about these features and how to access them, visit schedule an appointment  or give us a call at (800) 422-5852.

*Please note: This feature is subject to approval and fees apply. Please refer to our Rate and Fee Schedule for applicable fees

Sign up for Business Online Banking today!

With Business Online Banking, you can view your account history, make online transfers, provide access to others, sign up for eStatements...and more! All from the comfort of your own home.

Do you offer merchant services?

Yes! We partner with Elavon ^® to provide payment solutions to our business members. With merchant services, you'll be able to accept card payments in many ways including mobile, online, over the phone, or contactless. 

For more information about merchant services or to get started with Elavon ^® , contact our Business Services team at (360) 662-2217 or email BusinessServices@kitsapcu.org.

Learn more about our Business Service offerings today!

Spend more time on what matters. Get the tools to streamline your business’s financial needs.

• Manage accounts online.
• Deposit checks anytime, anywhere.
• Business bill pay.
• Cash management.

Do you service non-profit organizations with checking accounts?

Yes, we do service (and specilize) non-profit organizations and corporations.

How can KCU help with my business banking needs?

We are pleased to offer you the tools to streamline your business’s financial needs. 

We also offer several loan options for businesses including Visa Business Rewards, Business Auto Loans, Business Line of Credit, and Commercial Real Estate loans.

For account options, we have our Business Checking and Elite Business Checking and Business Savings, Money Market, and Certificates.

Running a business is not easy, but banking at Kitsap Credit Union is.

As a local community Credit Union, Kitsap will provide:

• Secured term loans and lines of credit
• Loan terms customized to work for you
• Competitive rates
• Experts with knowledge of the local market

Apply for a business loan today!

What do I need to open a memorial account?

KCU can establish Memorial accounts as a Basic Membership Account without Card Services. These accounts are established as Custodial relationships using an IRS issued EIN. The individual establishing the account (Custodian) may obtain an EIN via the IRS website. Additionally, Memorial Accounts must designate a Recipient, as well as a subsequent Beneficiary individual or organization. You will need to provide the following documentation: 

• Proof of Death - Certified Copy of Death Certificate or Obituary.
• The Custodian's information including social security number, date of birth, address, and government issued photo ID.
• An individual or designated non-profit organization to receive the funds should the Recipient become deceased, entered as a Beneficiary.
• The Recipients information (For Benefit Of).
• An IRS issued EIN.

Learn more About KCU and when you're ready, apply today at any branch location.

What is Cash Management?

Cash Management* is an add-on feature for business accounts that allows you to:

• Process payroll with direct deposit to your employees.
• Send domestic wires.
• Pay your vendors electronically.
• Electronically collect your accounts receivables.

*Please note: This feature is subject to approval and fees apply. Please refer to our Rate and Fee Schedule for applicable fees.

Haven’t signed up for Online Banking yet?

With Online Banking, you can view your account history, make online transfers, access Bill Pay & eStatements...and more! All from the comfort of your own home.

To learn more about the convenience of banking online, please refer to our Online Banking page or enroll today!

What's the difference between Business Checking and Elite Checking

Our Business Checking is great for small businesses with low transactions. Elite Business Checking is perfect for businesses with higher balances and low transactions, plus it pays competitive dividends.

To find out more about our business checking accounts and discuss which checking would work best for you, make an appointment at one of our convenient branch locations today!

Why do you charge per transaction fees on business checking accounts?

Per transaction fees on our business accounts help offset the cost and time involved with processing transactions. Debit card transactions and internal transfers are not assessed per transaction fees.

For more information, view our current Business Rate and Fee schedule.

Can I apply online for a business loan?

Yes! You can submit a business loan application online if the amount of the loan is less than $250,000 and not secured by real estate. Applying online is easy, click here to get started today!

For loan requests over $100,000 or for real estate purposes, please contact our business services team for a consultation prior to submitting your application.

Business Services Team

(360) 662-2217

BusinessServices@KitsapCU.org

Already have business or commercial loan with us? Contact your business service representative or commercial lending officer to apply for another loan!

What kind of loans can I get for my business?

We can help you with business loans large and small including a credit card, vehicle, equipment, line of credit or term loans, share secured loans and commercial real estate.

For more information including how to apply, visit our Business Loans page.

What are some basic features of business online and mobile banking?

Business online banking allows you to manage your business finances with ease and simplicity with:

• Real-time account balances and transaction history
• Bill Pay
• Mobile Deposits
• Multiple user access
• eStatements
• Email Alerts and Notifications

To learn more about the features of business online banking, please click here. 

Can I deposit coins?

Yes, we would be happy to accept your coins at one of our branch locations. At this time, coins are not accepted in our ATMs. 

If you have a large amount of coins, we ask that they be rolled standard coin wrappers. We are happy to provide them for you at our branch locations. 

Kitsap Credit Union has 14 branch locations to serve you. For hours and locations, visit our locations page.

Can I select my own PIN for my debit card?

Yes! We have options for you to select your own PIN after you have received your card. Please contact us at one of the options below for more information:

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up eMessenger text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

How can I block my debit or credit card on the mobile app?

Yes, you can cancel the card or shut it off temporarily. 

Once you've logged in simply select "Card Management" from the "More" menu and you will see a list of your active KCU debit and credit cards. You have the freedom to turn your card "on" and "off", report your card stolen, or cancel a card.

How do I activate my debit card?

You can activate your debit card by calling our card activation line at 1-800-316-5996. Or TDD/TTY 1-866-309-4937 or 1-866-317-9343.

Keep track of your account with Online Banking!

You can also use Online Banking to open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

You can also enjoy on-the-go access by downloading the app today!

How do I order a new debit or credit card card?

You can call or chat with us to place an order for a new card to be mailed to you. You can also visit one of our branch locations and they can instantly issue a new card on the spot, even in the drive-up!

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Support link on the top right.
• Mobile App: Login, select More, choose Secure Chat or Call.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

How do you determine exchange rates for foreign transactions?

Purchases made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date.

In addition, you will be charged a Foreign Transaction Fee, which is a percentage of the transaction amount for any card transaction made in a foreign country, as disclosed on the Rate and Fee schedule.

For more information or additional assistance please call 360-662-2000 or 800-422-5852 to speak with a Member Specialist, or visit one of our local branches.

Planning to travel outside of the US?

Please notify us ahead of time so that we can make a note on your account and avoid any interruptions regarding the usage of your card.

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

How much does it cost to replace my debit card?

Please review our current Rate & Fee Schedule for the card replacement fee.

Stay one step ahead of fraud with Visa Purchase Alerts.

Visa Purchase Alerts are email notifications that Kitsap Credit Union (KCU) members can take advantage of for free. Visit our Account Security page for more information!

I am receiving a "bad PIN" error message at the ATM; what does that mean?

If you are receiving this message, your card may be blocked, or you may need to reset your PIN. So we can review your account and assist you with resetting your pin, please contact us using the following methods:

• Online: Sign in to Online Banking to use Live Chat  or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

My card is being denied at the merchant, what do I do?

There can be several reasons that a card would be denied. 

We would like to review your account to find the reason specific to you, so please contact using the following methods:

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

What are the ATM/Debit Card fees?

If you are a member of Kitsap Credit Union, it is free to withdraw from your Kitsap Credit Union account when you use any ATM owned by Kitsap Credit Union.

A fee will be assessed to your account when you withdraw cash or make a transfer from an ATM that is not owned by Kitsap Credit Union or is not part of the Co-Op ATM network. The fee is based on our current Rate and Fee Schedule and is in addition to the fee charged by the ATM terminal you are using.

Visit an ATM location near you!

Tip: If you use your Debit card, you can also receive cash back when you use it at a retail location. Just select the cash back option at the time of purchase. Retailer may charge fee or have limits on amount of cash back that can be taken. Ask the retailer for details.

What do I do if my debit card does not work?

Please contact us at your earliest convenience using the following methods. We would like to review your account with you to make sure everything is as it should be and review some options for you.

• Online: Sign in to Online Banking to use Live Chat send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

What do I do if my Debit Card personal identification number (PIN) does not work?

Please contact us at your earliest convenience using the following methods. We would like to review your account with you to make sure everything is as it should be and review some options for you.

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

What do I do if the ATM does not dispense the money I asked for and the funds have been deducted from my account?

Please contact us as soon as possible so we can start the process to dispute the transaction. There are several options for you to contact us:

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click ‘Support’.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• Please visit any of our Kitsap CU branch locations.

New to Online Banking? Learn more and enroll now!

Need account access on-the-go?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

What should I do if I receive a call/text from a number I do not recognize asking to verify recent transactions on my account?

You may have been notified by the Visa Fraud Protection Service, which is a trusted partner of Kitsap Credit Union. This service helps identify and prevent fraudulent transactions and would text you from 32874 or call you from 1-877-902-4806.

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852 or log in to Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

What should I do if my credit or debit card is declined and I know that the funds are available?

There may be several reasons why your card is being declined. We would like to review your account to find the reason specific to you. Please contact us at your earliest convenience. There are several options for you to contact us:

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Keep track of your account with Online Banking!

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up eMessenger text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

What's the difference between a debit card and an ATM card?

A debit card is linked to your checking account and draws from the available money within the linked account. When you use your debit card, funds are immediately withdrawn.

An ATM card can only be used at an ATM terminal to withdraw or deposit money. On rare occasions, certain merchants may accept ATM transactions.

Kitsap Credit Union only currently offers debit cards with the VISA logo. 

Who do I call if my card is restricted?

Please contact us so we can review your account for the reason your card is restricted. There are several options for you to contact us:

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

Please contact us so we can review your account for the reason your card is restricted. There are several options for you to contact us:

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

• • Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
  • By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
  • In-Person: Visit one of our branch locations

Why are my debit transactions being denied so often?

There are several potential reasons your card keeps being denied. For security reasons, the specifics of your situation must be dealt with in confidence. Please contact us at your earliest convenience. There are several options for you to contact us:

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Protect yourself with Overdraft Protection!

Give yourself extra protection against bounced checks and denied debit card transactions. We offer to link the following to your checking account as overdraft protection:

• Overdraft Line of Credit
• Visa Accounts
• Additional Savings Accounts

Once you've decided which method to use, click on the Apply Now! button to start the application process today.

Can I send a photocopy of the death certificate?

Yes, you can send or bring in a photocopy of the death certificate as long as it is clear and legible. In some circumstances, we may require a certified copy.

What other documents might be required?

Each situation and account may be slightly different, but in addition to a copy of the death certificate, you may be required to provide: a certified copy of the death certificate, Letters of Testamentary or Letters of Administration, or claiming affidavits. In some cases, other documents may be required, such as trust documents, an estate EIN, or proof of name change.

How long will it take for funds to be released?

Each situation and account may be different. In most cases, funds will be released as soon as KCU has received all required documents. However some claiming affidavits mandate waiting periods.

Are there any other considerations I should be aware of?

Some common items that you may need to address include: how to address any outstanding balances for home loans, vehicle loans, credit cards; whether there are any safe deposit boxes or automatic payments to cancel, i.e. water, electricity, gas, garbage; and notifying Social Security or other government agencies sending regular deposits.

What are the duties of a personal representative? What is Probate?

A personal representative (sometimes called executor) is responsible to report the death to all creditors of the estate and give them an opportunity to file a claim against the estate. The personal representative will also collect and provide information in order to consolidate assets and resolve the liabilities of the estate and disburse any remaining funds according to the decedent's wishes. Probate is the court process followed to resolve a decedent's estate; part of the process will be to designate and authorize a personal representative.

1. Introduction

This Agreement and Disclosure Statement (the “Agreement”) for External Loan Payment Services (the “Service”) sets forth the terms and conditions for use of our external loan payment services with Kitsap Credit Union (hereafter referred to as “we,” “us” or “our”) as described herein. The member (referred to as “you” or “your”) should read this Agreement carefully and keep an electronic or print a hard copy of it for your records. Each time you use any Service described in this Agreement or allow any other person to use any Service in relation to any of your accounts or financial products or services, you are confirming your acceptance of the terms of this Agreement (including, but not limited to, the terms of that particular Service) that are in effect at that time.

2. Electronic Communications

The External Loan Payment service is an electronic, Internet based service. Therefore, you understand and agree that this Agreement will be entered into electronically and that the following categories of information (“Communications”) may be provided to you by electronic means:

• This Agreement and any amendments, modifications, or supplements to it.
• Your records of loan payment transfers through the service, including without limitation confirmations of individual transactions.
• Any initial, periodic, or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law.
• Any customer service communications, including without limitation, communications regarding claims of error or unauthorized use of the Service.
• Any other communication related to the Service.

3. Description of Services

With the External Loan Payment Service, you may draft a checking account, savings account, or money market checking account from another financial institution to pay a Kitsap Credit Union loan. Once your account with us has terminated for any reason, you will have no further right or access to use the Service. Any member authorized to view loan accounts using the Online Banking system is eligible for this service.

4. Transaction Limits

We have the right, at any time, to set dollar limits on daily and monthly transactions. If you try to initiate a payment over these limits, the system will not allow you to continue. Paying more than the regular payment may not advance your due date into the future, but it will reduce your balance. Kitsap Credit Union reserves the right to delay the posting of any item for any reason outside of this standard timeframe, most notably if a transaction is suspected to be fraudulent or unauthorized. Mortgage payments cannot be made using this service. An Automated Clearing House (ACH) payment can only be processed using a checking, savings, or money market account from another financial institution. Debit card payments are not allowed.

5. Eligible Items

You can submit payments to the following loan types: Auto Loan, Line of Credit, Credit Card, Personal Loan, and Home Equity.

6. Recurring Items.

When you request a recurring payment, the initial amount set will remain a static amount. The Service will not read a minimum payment in subsequent months. It is your responsibility to monitor your minimum monthly payment requirements, cancel recurring payments when they are no longer desired, or a loan has been paid in full. Kitsap Credit Union is under no obligation to place a stop on these payments.

7. Requirements

Each transaction must have a valid routing number and full account number when submitting the payment. We offer the External Loan Payment Service as an added convenience to you. We have the right to terminate this agreement with no prior written notice. We may terminate this agreement based on but not limited to: Non-Sufficient Funds (NSF) items or receiving returned items via the Federal Reserve Bank.

8. Security

You must inform us immediately of such items as, but not limited to: your Online Banking credentials may have been compromised, any unauthorized or fraudulent items posted to your loan accounts. To report such instances, please contact Kitsap Credit Union at 800-422-5852. You agree to provide us with any financial information we reasonably request during the term of this Agreement, however, Kitsap Credit Union will never text, email, or call you requesting your Online Banking password or security verification codes. You authorize us to review your history, as necessary.

9. Payment Processing

• Payments submitted before 3:30 p.m. (PST) Monday through Friday will be processed the same business day (excluding holidays).
• Payments submitted after 3:30 p.m. (PST) Monday through Friday will be processed on the next business day (excluding holidays).
• Payments submitted after 3:30 p.m. (PST) Friday or anytime Saturday or Sunday will be processed on the next business day (excluding holidays).

10. Receipt of Payment.

Any confirmation from us that we have received the payment does not mean that the payment contains no errors. We are not responsible for any payments that we do not receive. Kitsap Credit Union reserves the right, at our sole and absolute discretion, to reject any payment for External Loan Payments into your loan account. We will notify you of rejected payments by mail.

11. Returned Payments.

Any credit to your loan account is provisional. If the original payment is dishonored, rejected, or otherwise returned by the receiving financial institution for payment or are rejected or returned by any commitment for the collecting financial institution that is obtaining the draft payment, for any reason, including, but not limited to, issues relating to debiting funds, you agree that the provisional credit to the loan account will be reversed.  You will reimburse us for all loss, cost, or expense caused by, or relating to, the processing of the returned item.

12. Errors

Any payments made using the External Loan Payment Service will be reflected on your monthly periodic statement. You understand and agree that you are responsible for notifying us immediately of any suspected error relating to payments made using the External Loan Payment Service by no later than 30 days after the date of the periodic statement that includes any transaction you allege is erroneous. You are responsible for any errors that you fail to bring to our attention within the specified timeframe.

13. Disclosure of Account Information to Third Parties.

We will not disclose information to third parties about your accounts or payments you make, except:

• Where it is necessary for completing the transaction;
• To verify the existence and condition of your account to a third party, such as a credit bureau or merchant;
• To comply with a governmental agency or court order; or
• If you give us your permission.

14. External Loan Payment Service Unavailability

The External Loan Payment Service may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider, and Internet software. In the event that the External Loan Payment Service is unavailable, you may pay your loan at any Kitsap Credit Union location.

15. Warranties

You make the following warranties and representations with respect to each payment pursuant to law, regulation, or clearinghouse rule:

• Each payment is from a true and accurate account.
• The amount is accurate.
• You are an authorized signer on the account you have provided to us.

16. Your Responsibility

You are solely responsible for the completeness, accuracy, validity, and integrity of each External Loan Payment initiated. You are solely responsible if you, intentionally or unintentionally, submit fraudulent or incorrect transfer information to us or if External Loan Payment Service is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect, or otherwise improper usage to us for processing.

17. Accountholder’s Indemnification Obligation

You understand and agree that you are required to indemnify us and hold us harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, and expenses arising from your use of the Services and/or breach of this Disclosure and Agreement. You understand and agree that this paragraph shall survive the termination of this Agreement.

You understand and agree that you are required to indemnify our technology partners, including NCR. NCR, its affiliates, officers, employees, and agents should be held harmless from and against any third-party claims, suits, proceedings, actions or demands, including to claims of another financial institution, business entity or governmental authority, and all losses, liabilities, damages, fines, penalties, costs and expenses, including court costs and reasonable attorney fees and expenses, arising from such claims, to the extent such claim is related to Kitsap Credit Union or End User’s use of the Service, NCR Applications, unless such claim directly results from an action or omission made by NCR in bad faith. You understand and agree that this paragraph shall survive the termination of this Agreement.

18. Compliance with Law

You will use this system for lawful purposes and in compliance with all applicable laws, rules, and regulations. You warrant that you will only transmit acceptable items for payments and in accordance with applicable laws, rules, and regulations.

19. DISCLAIMER OF WARRANTIES

YOU AGREE THAT YOUR USE OF THE EXTERNAL LOAN PAYMENT SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF ANY OF THE EXTERNAL LOAN PAYMENT SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE EXTERNAL LOAN PAYMENT SERVICE WILL MEET YOUR REQUIREMENTS OR WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

20. LIMITATION OF LIABILITY

YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THE EXTERNAL LOAN PAYMENT SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBIITY THEREOF, EXCEPT AS OTHERWISE REQUIRED BY LAW.

21. Change in Terms

We reserve the right to change the terms and conditions of this Agreement, or to terminate this Agreement at any time, without notice to you.

Are foreign ATM charges refundable, just like U.S. ATM charges?

Foreign and international ATM charges are not eligible for refunds when Gold Checking qualifications are met. For more information about the benefits of Gold Checking, click here.

Additional Information:

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click ‘Support’.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• Please visit any of our Kitsap CU branch locations.

Our Rate & Fee Schedule will provide you with the Visa International Fee that will apply to international transactions.

Account Switching Checklist

Account_Switching_Info_Sheet_IR-6122

Can I make a deposit through an ATM?

Yes, you can! Many of our ATMs allow deposits of checks or cash. Look for the check-mark symbol for deposit-accepting ATMs when searching ATM locations on our Locations page.

And remember, because Kitsap Credit Union is a member of the CO-OP shared branch network, you can often make deposits at the ATMs of other credit unions! Find a CO-OP ATM Location today.

Use our mobile app to deposit checks anywhere, anytime

Experience convenience, simplicity, and security with our Mobile Check Deposit using the Kitsap Credit Union mobile app. 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.

Can I open a checking account online if I already have a savings account?

Yes! You can apply to open a checking account online by following these steps:

1. Log into your Online Banking account.
2. Select the “Apply for a Loan or Add an Account" from the "Additional Services” Tab.
3. Click “Existing Member Account”.
4. Select the account type you'd like to add in the Available Products section.
5. Follow the application steps

For more information on our checking accounts, click here.

Can I receive an incoming international wire into my account?

Yes! You are able to receive an international wire into your account. You will want to provide Kitsap Credit Union's routing number and your full account number to the sender of the wire. The incoming wire is subject to our current incoming wire fee and can be found on our Rate & Fee schedule.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Can I redeem a savings bond with you?

Yes! Savings Bonds can be redeemed by members at any Kitsap Credit Union Branch. To process the redemption, we will need you to provide a government issued photo ID and your Social Security Number. 

For Branch locations click here  

Can you provide my account number?

Unfortunately, we are not able to provide account specific information including your account number through the Ask us your question feature on our website.

Your account number is available in your online banking account by clicking on the account and then selecting account details. This will also provide Direct deposit and ACH (for automatic withdrawal) account numbers for your Checking account or Money Market account. 

Do I have to pay a fee to cash a check in a Kitsap Credit Union branch if I do not have an account?

Yes, there is a fee for when non-members cash a check written from a Kitsap Credit Union account. Find a list of current fees and service charges on our Rate and Fee Schedule.

We are unable to cash checks written from any other financial institution if you are not a member with us.

Become a Kitsap Credit Union member today

When you apply today, there is no minimum deposit required for your Primary Savings account. However, if you decide to add other Savings, Checking, Money Market, or Certificate Accounts, there is a minimum deposit required depending on which account(s) you're adding.

Learn more About KCU and when you're ready, apply today using our Online Application.

Do you have a list of foreclosed homes?

Kitsap Credit Union does not have a list of properties that we currently own. If you are looking to find a bank-owned property, then we suggest that you contact your realtor. 

Get into your dream home with Kitsap mortgage loans

Whether you're buying or refinancing a home, Kitsap Credit Union has experts who can guide you on the path from start to finish. Take advantage of our low closing costs, and learn more about the different loan options we have available to you.

Check out our Mortgages page or get a Rate Quote today and Apply Now to get pre-approved!

Do you have coin counter machines?

We do not have coin counter machines in our branches at this time.

For large amounts of coins, we do ask that you wrap coins prior to making your deposit in a branch. No personal information should be written on the coins for your security.

You can pick up coin wrappers at any of our branch locations.

Do you offer an automated phone service that can verify a check amount?

At this time, Kitsap Credit Union does not have an automated system to verify a check amount.

If you are a merchant and you are calling to verify funds on a check, you can do so through our phone banking system. Call (360) 662-2274 and select option #4.

Do you offer children's savings accounts?

Yes! The Kid's Club is a special savings account to help kids through age 12 learn that saving money is important and can be fun!

There's no minimum opening balance and all Kid's Club members receive a special gift (as available) when they open their account. 

Bring your child's social security number to one of our convenient branch locations and open the account today!

We also offer great savings options for youth:

• Varsity Savings
• Youth Saver Certificate

Additional Information:

Online banking is free to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access eStatements, and transfer between your accounts from anywhere!

Do you offer Corporate (cashier’s) checks?

Yes, we do!

To review our current service fee for a corporate (cashier’s) check please refer to the appropriate Fee Schedule below:

• Rate and Fee Schedule
• Business Rate and Fee Schedule

You can purchase a Kitsap Credit Union corporate check by logging into your account and sending a secure chat, requesting the check over the phone with one of our Member Specialists or by stopping into one of our conveniently located branches.

Don’t have Online Banking yet?

Our online banking service lets you conveniently access your KITSAP CREDIT UNION accounts 24/7 from any computer. 

Do you offer Health Savings Accounts?

Kitsap Credit Union does not offer Health Savings Accounts at this time. We do offer the following accounts:

• Kids Club
• Holiday Club
• Money Market
• Certificate Accounts

Please visit our Savings Account page for a full list of our accounts.

Become a Kitsap Credit Union member today

Learn more About KCU and when you're ready, apply today using our Online Application.

Do you offer investment services?

We are partnered with LPL Financial Investment Services located at Kitsap Credit Union. For more information click here.

Do you offer safe deposit boxes?

Absolutely! We offer safe deposit boxes at the following locations:

• Harborside
• Highlands
• South Kitsap
• East Bremerton
• Port Townsend

Contact us for the availability and cost of a safe deposit box today!

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Support.

By Phone:

• To speak with a local Member Specialist by phone 800-422-5852 24 hours a day

In Person:

• For our branch locations and hours click here

Not a Kitsap CU member yet? Join today!

Do you offer student loans?

We do not currently offer student loans however we have many loan options that may help pay for education. To view our loan options, visit our Personal Loans page.

Be a master of your finances with Financial Education

Not only are we here to lend you a hand with your purchases, but we're also here to help you achieve financial wellness and meet your money goals.

Visit our Financial Education page today and start using our free curriculum and tools!

Does the credit union sponsor community events?

KCU is committed to making a positive difference in the communities we serve.  If you are seeking sponsorship, there are a few things that may be helpful for your to know.

In general, we do not provide sponsorships for individuals (for example, scholarship pageants, Business Week participants, etc.), or directly to political parties or candidates. We may consider sponsorship requests for nonprofit and civic organizations, schools, and others, and prioritize those whose efforts align with our three primary areas, which include: those struggling with homelessness, hunger, or initiatives the help further financial wellness education.

Additionally, we may consider requests for local community events.

To request sponsorship consideration, please submit the information to us via email at marketing@kitsapcu.org.

Please include the following information:

• Organization hosting the event.
• Contact name, phone number, and email address.
• Event details including location, dates, times.
• Request information including options for sponsorships, amounts needed, and details of any media or public relations exposure available for Kitsap Credit Union along with deadlines.
• Any other documentation or information that may assist us in understanding the event, organization, and scope of the request.

In order to protect your privacy, please do not send non-public information including account numbers, account balances, SSNs, etc. through e-mail.

How can I get my 1099-INT statement online?

How can I get my account number?

If you have access to log into online or mobile banking, you can obtain your account number for your Checking, Money Market, and Savings account in the "Account Details" when clicking on the account. The full account number will be displayed as ACH number. Click here to see how!

If you opened your account online: Your account number was provided in a confirmation email when your account was opened.

If you opened your account at a KCU branch location: Your account number was provided in your New Account Kit and is usually written on a business card sized card or inside the Getting Started guide.

If you opened your account a car dealership: Your account number was mailed in a welcome packet with your loan payment and due date information. This usually arrives within 14 business days of finalizing your loan and includes details on your membership with us and ways to make your payment. 

For the security of your account, your account number is not located on your monthly statement.

If, for any reason, you do not have any of the documents with your account number, simply contact us to obtain your account number. 

How can I get my credit score?

How can I send money to a friend?

If they are a member of Kitsap Credit Union, you can simply transfer money from your account to theirs. Contact us today to request a transfer.

If they are not a member of Kitsap Credit Union, you can write them a check, add them to your online Bill Pay as a biller, purchase a corporate check, purchase a money order at one of our branch locations, or use the free money transfer service, Zelle® , within Online and Mobile banking.

Get started with Online Bill Pay

KCU’s Mobile Bill Pay allows you to consolidate all of your bills into one easy-to-use place and manage all of your bills across different websites or apps simultaneously. All your Kitsap Credit Union account details are kept confidential from the people you pay.

Please view our Mobile Bill Pay page for more information and get started today.

How can I sign up for direct deposit?

Direct deposit is set up by your employer or the entity depositing into your account. You'll need to provide them with our Routing Number which is 325180223 along with your full 14 digit account number.

This information is also printed on the bottom of your checks. Without a check, you can also find your 14-digit account number in online banking or the mobile app. Login, select the account you would like the deposit to go into, then select Details. The full account number will be listed as your ACH number. Check out our video on how to find your info here: Account and Routing number in Online Banking

If your employer is requesting something from us with your account information, please contact us and we will be happy to help! Our Contact Center Member Representatives are also available to help you over the phone 24 hours a day. Call 1-800-422-5852.

Use your banking account on your mobile device! 

Now you can access your money whenever and wherever. Checking your account balance, making a deposit, transferring money, paying your bills – these all can be done via mobile app!

How can I submit a secure email?

To send a secure email message, follow the steps below: 

1. Sign in to Online Banking
2. Click "Support" in the top right
3. Select "Secure Email"
4. Click "New Message"

This is secure since you are logged in to your Online Banking account. You will receive an email notification once we have replied to your email. You would just return to this area in your Online Banking account for our reply.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

How do I add a joint owner to my account?

To add a joint owner to your share account, your new account signer would need to provide a government issued photo ID, their social security number, and be eligible for accounts with us. This may require a credit inquiry to verify their membership eligibility. New account documents will be required and we can process these in person at a branch or through email with your electronic signatures. There may be additional steps required if your account was opened prior to 2008 or includes a loan.

Contact us today for information specific to your account and adding a joint owner.

To contact us:

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Support.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852

In Person:

• For our branch locations and hours click here.

How do I change a beneficiary on my share account?

To change a beneficiary on your account we will need an updated signature card notating the new beneficiary. This form will need to be signed by the existing account holders. You can also sign electronically if you are not able to visit a branch. Just contact us and we will start the process for you!

To contact us:

• Log in to Online Banking and using our secure email or chat features
• Visit us at one of our branch locations. To schedule an appointment, see our Online Scheduling page.
• Speak with a Member Specialist by phone anytime. Call 800-422-5852 to make your request

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

How do I change my name?

To update your name, we will need to send you documents necessary to update your name on your accounts. Please contact us so we can get this process started for you. You will also need valid identification with your new name and previous identification with your former name or a legal document such as a marriage license, divorce decree, etc. that supports the requested name change.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here. You can also visit us at one of our branches.

How do I close my account?

We're sorry to see you go. We would need a documented request from you to close your account with Kitsap Credit Union.  You can process your request multiple ways.

Online:

• Log into Online Banking and use our secure email or chat features to request to close your account.

By Phone: 

• You can speak with a Member Specialist by phone 24 hours a day, by calling 800-422-5852 and request an account closure form. We can email it to you and obtain your electronic signature to complete your account closure.

In Person:

•  Visit one of our branch locations.You can set up an appointment to meet with a Member Service Representative.

By Mail: 

• Mail us a letter requesting to close your account that is signed by you to Kitsap Credit Union PO Box 990, Bremerton, WA 98337. Make sure to include your current contact information in case we have any questions for you. 

By Fax:

• Fax us a letter requesting to close your account that is signed by you to (360) 698-6614. Make sure to include your current contact information in case we have any questions for you.

How do I re-order checks?

You can re-order checks from your Online Banking account by doing the following:

1. Log in to Online Banking
2. Select "Check Reorder" from the "Additional Services" tab
3. This will take you to our check ordering system for you to place your reorder

If you are using a mobile device, check orders are enabled when you log into KitsapCU.org from a web browser as check orders are not available in the mobile apps.

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.

How do I set up an automatic transfer?

You can set up an automatic transfer between your Kitsap Credit Union share or loan on the same account in your Online Banking or in the mobile app.

To set up in online banking:

1. Log into your account
2. Click on the Move Money tab
3. Select Schedule a Transfer.
4. Complete the form to set up the transfer with the first date you want the transfer to happen.
5. Click repeat and enter the frequency you prefer. Make sure to click save.

You will be able to view your scheduled transfer to update or cancel in the View Scheduled Transfers option on the Move Money tab.

To set up in mobile app:

1. Log into your account
2. Tap Make a transfer tab
3. Select Schedule a Transfer.
4. Complete the form to set up the transfer.
5. Tap Schedule.

Don't have Online Access?

Click here and follow the procedure to get your online banking account set up. Once you log in to Online Banking, you can perform all of your most important banking tasks right from the home page.

How many checking accounts am I allowed to have?

Gold Checking accounts are limited to one per individual taxpayer number (Social Security Number, Individual Tax Identification Number). All other accounts are unlimited.

Visit our Checking Page for more information.

Become a Kitsap Credit Union member today

Learn more About KCU and when you're ready, apply today using our Online Application.

How many transfers can I make a month from my savings to my checking?

You can make 6 electronic transfers from your savings to checking account per calendar month. Electronic transfers are transfers within online, mobile, and phone banking, and transfers initiated for overdraft protection.

You can make unlimited transfers from your savings to checking at ATMs and in a branch.

If you will be transferring money periodically, you can complete a Linked Account Access Authorization Form. Once you send the completed and signed form to us and we process it, you will be able to transfer to another account in online banking, mobile banking, and Phone Banking. Contact us to get started. 

How much can I withdraw from an ATM in one day?

You can withdraw up to $1000 a day from an ATM. Your purchases are limited to your available account balance at the time of transaction.

Need more cash than that? Kitsap Credit Union has 14 branch locations to serve you. For our hours and locations, visit our locations page.

TIP: When you use your Kitsap Credit Union Debit Card to make a purchase you can also receive cash back! Simply select the cash back option while completing your transaction.

How much is the fee to withdraw cash at the ATM?

If you are a member of Kitsap Credit Union, it is free to withdraw from your Kitsap Credit Union account when you use any ATM owned by Kitsap Credit Union or any CO-OP ATM.

A fee will be assessed to your account when you withdraw cash or make a transfer from any other ATM. The fee is based on our current Rate and Fee Schedule and is in addition to the fee charged by the ATM terminal you are using.

Visit an ATM location near you!

Tip: If you use your Debit card, some retailers may allow you to receive cash back when you check out. Check with each retailer for any fees they may charge for this option. 

I noticed an error on my credit report for a Kitsap Credit Union loan. What should I do?

Kitsap Credit Union takes the accuracy of your credit report very seriously.

If you believe that the information that has been reported for your Kitsap Credit Union account is inaccurate, you can submit a dispute through the credit bureau directly. This will initiate a message to us to research and correct. You can also contact us to let us know of any discrepancies.

Online:

• For assistance via Live Chat, sign in to Online Banking.
• To send a secure message, sign in to Online Banking and click Support.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852

In-Person:

• For our branch locations and hours click here.

By Mail:

• Our mailing address is Kitsap Credit Union PO Box 990 Bremerton, WA  98337

We look forward to the opportunity to make sure that the information we've reported is accurate.

Don’t have Online Banking yet?

Our online banking service lets you conveniently access your Kitsap Credit Union accounts 24/7 from any computer. 

If someone transfers money into my account, can they see my account balance?

No. Your balance information is not available to anyone that is not on your account.

Think your account may have been compromised?

If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

Is my money insured?

Deposits are insured by the National Credit Union Association, NCUA. Deposits are insured for up to $250,000 for each membership account.

NCUA insurance differs from traditional deposit insurance because it is funded by the credit unions themselves and is believed to be a much healthier and safer insurance fund. Visit NCUA.gov to learn more!

Be a master of your finances with Financial Education

Not only are we here to lend you a hand with your purchases, but we're also here to help you achieve financial wellness and meet your money goals.

Visit our Financial Education page today and start using our free curriculum and tools! 

Is my money safe and secure at Kitsap Credit Union?

Yes. Your deposit accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a federal agency backed by the full faith and credit of the United States Government. For more information, please refer to the NCUA website.

Is there a fee for corporate checks?

Yes, we do charge a fee for corporate checks.

To view current fees and service charges, please refer to our Rate and Fee Schedule.

Stop into one of our branch locations to purchase your corporate check today!

You can contact us in any of the following ways:

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Contact Us on the top right.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852

In Person:

• For our branch locations and hours click here.

Is there a fee for money orders?

Yes, there is a fee for money orders. The fee is located on page 2 of our Rate and Fee Schedule.

A money order is a paper document, similar to a check, used for making payments. Money orders are prepaid, so they are only issued after a buyer pays for the money order with cash or another form of guaranteed funds.

Ready to purchase your money order? Visit us at any of our branch locations!

My credit report says I still have an open loan with you but I have already paid it off. Can you fix that?

Yes, we want to ensure your credit report is reflecting the correct information. You can dispute the credit report through the credit reporting agency or by contacting us directly.

It takes between 30-45 days for your payoff to be reflected on your credit report so if it has not been that long, we would ask you to check your report after that time frame. If your payoff was more than 45 day ago, we can start the process. It is best to provide a copy of the credit report you are questioning. You can fax it to (360) 307-2100.

If you are unable to provide a copy of the credit report, please let us know what is reporting incorrectly with any dates and amounts as well as which credit reporting agency you found the discrepancy with. Once we have the information, please allow 1-2 weeks to allow us to research and make any corrections. You will receive a letter with information specific to your dispute.

My debit or credit card expires soon. Will Kitsap Credit Union send me a new one automatically or do I have to request it?

Your debit or credit card is good through the last day of the month that your card expires and we will automatically send you a new one the month prior to your expiration date. Thank you.

Phone Banking Options

To access, please call (360) 662-CASH (2274)

At any time during the call you can select:

Voice command option (8*)
Help Menu (1*)
Main Menu (3*)
Go Back (*)
Skip (5*)
Repeat (#)
Hang up (7*)
Operator (0)

Service Members Civil Relief Act

If you’re an Active Duty service member who applied for federal and/or private loans before the start of your service, you may be eligible for an interest rate reduction through SCRA. For more information please contact us directly to speak with a member specialist.

Shred Fest Events

We care about the safety and security of your financial information.  To help you safely dispose of financial records, we are partnering with LeMay Shredding to host a series of free shred days. You're invited to bring up to two grocery bags of personal documents (paper only please) to be shredded. Learn More

What are the current rates and fees?

Rates are listed on our  Rate and Fee Schedule (click link) to view our current rates, fees, and service costs.

For fees associated with Visa Accounts, refer to the Visa Disclosures.

Looking to open an account at Kitsap Credit Union?

We have accounts with great interest rates. Follow the links below to learn more:

• Savings
• Certificates
• Money Markets
• IRAs

Need a loan?

We can help with: 

• Personal Loans and Line of Credit Loan
• Auto Loans
• Credit Cards
• Mortgage Rates and Applications
• And More! Just search for the loan type you need!

What happens if I deposit a check and it bounces?

Please contact the person or company that wrote the check to alert them of the issue. This issue typically occurs when the checking account from which the funds were being withdrawn does not contain sufficient funds to cover the check.

If a check you deposit is returned as not payable, we will deduct the amount of the check from your account and charge the current Returned Deposited Item fee. You will also receive notification of this in the mail.

To view current rates and service charges, please refer to our Rate and Fee Schedule.

Follow these guidelines to ensure that the checks you write always clear:

• Never write checks without available funds
• Balance your checkbook regularly
• Obtain an Overdraft Line of Credit through Kitsap Credit Union
• Monitor your available balances via online banking.

Manage your Kitsap Credit Union accounts on your mobile device!
You can access your money whenever and wherever it's convenient for you.

What holidays will you be closed?

The Branches and offices for Kitsap Credit Union are closed on all federal holidays. Please see the Holiday Closures section on our Locations page for up-to-date holiday hours.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

What insurance products do you offer?

We currently have partnerships to offer:

• Accidental Death & Dismemberment Insurance
• Discounts on Auto and Home Insurance

For additional products and service discounts available through Kitsap Credit Union, visit the "Resources Tab" on our website.

Become a Kitsap Credit Union member today

Learn more About KCU and when you're ready, apply today using our Online Application.

What is a “returned mail” fee?

A returned mail fee may be assessed on your account if we receive mail back as undeliverable to the address we have on file for you. To avoid this fee, please notify us upon your change of address as we can only attempt to communicate with you at the most recent address you provide us.

For the current Invalid Address fee, see the Rate and Fee schedule.

What is a shared branch network?

A shared branch network is a cooperative effort between credit unions nationwide to assist each other’s members.

Kitsap Credit Union does not currently participate in Shared Branching.  However, we are a part of the CO-OP ATM network that allows you to access your money almost anywhere at surcharge-free ATMs.

The CO-OP ATM network offers tens of thousands of free ATMs coast to coast so there's always one near where you live, work and travel.

Because we are CO-OP participants you can make deposits to your accounts at other credit unions through many of our ATM's too.

You can view our branch locations and various ATM locations by going to our Locations page.

What is an eStatement?

Statements provide a monthly record of debit and credit items. eStatements are simply online statements that can be viewed electronically. Typically, eStatements replace printed statements.

To view your eStatements, log in to Online Banking.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

What is ChexSystems?

The ChexSystems network is comprised of member financial institutions that regularly contribute information on mishandled deposit accounts to a central location. ChexSystems shares this information among member institutions to help them assess the risk of opening new accounts.

Apply to become a Kitsap Credit Union member today

Learn more About KCU and when you're ready, apply today using our Online Application.

What is Phone Banking?

Phone banking is a free service provided to all of our members. With phone banking, you’ll have access to your accounts 24 hours a day via your touch-tone telephone. It’s secure – you select a personal identification number (PIN) to access information.

To use, you can either push a button or speak to your phone and:

• Obtain balances and loan information
• Find out if your direct deposit has posted
• Transfer money
• Change your telephone banking pin
• Make a loan payment transfer
• Transfer cash advances from Visa or Line of Credit
• Balance your checking account
  
  *Spanish support is available

To access, please call (360) 662-CASH (2274) or toll free nationwide at 1 (800) 422-5852.

You can contact us in any of the following ways:

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Support.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• For our branch locations and hours click here.

What is Text Message Banking?

Text banking allows you to obtain information about your personal accounts from a mobile phone through text messaging. It's easy to activate text banking for your account. Just log in to Online Banking, select "mobile banking and alerts" from the "additional services" tab, enter your mobile number and activate!

You can text the following commands to 454545 and obtain your account information:

• BAL - Primary Balance
• LAST - Last 5 transactions
• TRANS - Transfer funds to the primary account
• STOP - Deactivate service
• HELP - Help keywords

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

What is the difference between a Credit Card and a Debit Card?

A debit card is linked to your checking account and draws from the available money within the linked account. When you use your debit card, funds are immediately withdrawn.

A credit card allows you to borrow money from a limited line of credit offered by a financial institution. Each month you will receive a statement specifying your purchase amounts and details, as well as the minimum payment due. If you do not pay off your credit card in full each month you will be charged interest on the money you owe.

A credit card for whatever life throws at you

Look no further! Whether your priority is simplicity, cashback, or special perks, you'll find a card with fewer fees, a competitive rate, and the backing of Visa. We've combined the flexibility, security, and worldwide acceptance you've come to expect from Visa with our cooperative mindset, for a card that puts you first.

Please visit our Personal Visa Credit Cards page for more information and get started today!

What is the difference between account balance and available balance?

Your account balance is the total amount of money you have in your account, including all funds engaged in holds and pending transactions.

Your available balance is the total amount of money in your account that is accessible for purchases and withdrawals. This number does not include held or pending funds.

It’s best to always reference your available balance to avoid Non-Sufficient Funds or Courtesy Pay Fees. These fees are listed on our current Rate & Fee Schedule.

Protect yourself from excessive fees 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, a Visa Account, or Additional Savings Accounts.

Once you've decided which method to use, click on the Apply Now! button to start the application process today.

What is the fee for corporate checks?

The fee for a corporate check is $6.00 per check.

All fees are subject to change. Find a list of current fees and service charges on our Rate and Fee schedule.

What is the fee for sending domestic or international wires?

At this time, Kitsap Credit Union is only able to process domestic wires. Fees apply to our domestic wire transfer service. 

Refer to our current competitive Rate and Fee schedule for fees.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

What is the inactive account fee?

An inactive account fee is a fee that is charged after twelve months of inactivity on your account.

We will send you a notice 3 months prior to imposing an inactive/dormant account fee.

Please refer to the appropriate Fee Schedule below for a full listing of up-to-date fees:

• Rate and Fee Schedule
• Business Rate and Fee Schedule

What is the service fee for using online banking?

Online Banking is free to all of our members and lets you access your accounts on your terms. Some benefits of Online Banking include: 

• Check your account balance and transaction history
• Access eStatements
• Transfer between your accounts
• Take advantage of Bill Pay
• Create a budget with Money Manager all from the comfort of your home and so much more!

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

What is your routing / ABA number?

The routing number for Kitsap Credit Union is 325180223.

If you have a check, the routing transit number is the nine-digit number typically found on the bottom left of the check. (The account number is typically the next number; for instructions on how to locate your account number using Online Banking, click here.)

Financial institutions use routing numbers in order to process payments electronically. Some examples of electronic payments that Kitsap Credit Union provides are bill pay, wire transfers, checking transactions (sometimes called electronic checks), and direct deposits. Use the routing number along with your Savings, Checking, or Money Market Account number to set up direct deposit or automatic withdrawal from your account.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up eMessenger text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

What is your SWIFT code? Do you offer international wire transfers?

At this time, Kitsap Credit Union does not have a SWIFT code and does not offer international wire transfer services.

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 our secure chat feature while you are logged into your online banking account.

Incoming and outgoing wire transfers are subject to the current fee as published on our Rate and Fee Schedule.

What time does my direct deposit post on payday?

We post deposits as we receive them. 

You can monitor your account balance and transactions with Online Banking, Mobile Banking, or Phone Banking.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

When do ATM deposits become available?

When you make a deposit, the first $225.00 of the deposit will be available immediately. The remainder of the deposit will be available by the second business day after the date of your deposit. If you make a deposit on Saturday, the next business day would be Monday. 

Kitsap Credit Union has many convenient ATMs available to serve you, including many Smart ATMs. Cash deposits into a Smart ATM are available immediately. Check deposits into a Smart ATM would follow the same availability as listed above.

For hours and locations, please visit our locations page.

Did you know?

When you use your Kitsap Credit Union Debit Card to make a purchase, you can get cash back! Simply select the cash back option while completing your transaction.

Where are your ATMs located?

For details on our convenient ATM locations and hours, visit our Locations page. 

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Where can I obtain my tax forms online?

Tax Forms will be available by January 31st for the previous year's information.

If you received less than $10 in dividends you will not receive a 1099 form. To see what dividends you earned in in the previous year, please look at your December statement on the last page titled YTD tax summary.

If you received more than $10 in dividends in the past year, you can contact us to request your 1099.

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Where do I mail a payment?

Payments can be mailed to:

Kitsap Credit Union

PO Box 990

Bremerton, WA 98337

Here are some additional ways you can make your Kitsap Credit Union loan payment:

Online:  

• Simply transfer your payment to your loan on the same account as your Kitsap Credit Union savings or checking account in your online banking account.
• You can make a payment online on our Web Payments Center. See our current Rate & Fee Schedule for Pay by Phone Convenience Fee.
• If you have your checking account at another financial institution, they may have a bill pay system that you can set us up as a biller to make your payment.

By Phone:

• We can take your payment by phone. See our current Rate & Fee Schedule for Pay by Phone Convenience fee.

In Person:

• You can drop your check payment off at one of our branch locations. If you stop by after hours, there are also night drop boxes available for your payments.

Tip: All Kitsap Credit Union accounts have a savings account attached. For future payments, set up direct deposit into your savings account and set up an automatic transfer from savings to your loan account in online banking.

Where is my electronic statement?

Your electronic statement, or eStatement, will be located in your online banking account in the “Statements” tab after you have signed up to receive your statements electronically. Statements from months previous to signing up for eStatements will not be available online however future statements after signing up will be.

You can also view your eStatement in the mobile banking app. After logging into the app, select the "More" menu then "Statements" to view your documents.

Use your banking account on your mobile device! 

Now you can access your money whenever and wherever. Checking your account balance, making a deposit, transferring money, paying your bills – these all can be done via mobile app!

Which ATM networks can I use?

For your convenience, the ATM networks that are accessible to you are listed on the back of your Debit or Credit Card. Look for the matching symbol on the ATM you're using.

Find an ATM in our network today!

It’s simple to take your finances with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Why do you pull credit for new account application?

We may review ChexSystems and sometimes credit report data during the process of determining if an individual qualifies to open a new account. Under federal regulations, all financial institutions must do an identity check on new customers. Your permission is required before we initiate a check.

Did you know you can check your own credit score for free once annually?

A good credit score is essential to your financial health. Visit annualcreditreport.com to receive a free copy of your credit score.

Are there closing costs associated with a Home Equity Line?

Yes; however, Home Equity Lines of Credit (HELOC) costs are typically covered by the credit union with the exception of the cost of the appraisal, if required.

Interested in a HELOC? 

You can access your established credit line any time to meet your needs and your payments are based only on the amount you owe.

• 12 year term
• You can draw funds for up to 10 years
• You can access your HELOC by making a transfer online, via mobile banking, through a teller, or by phone

Use our online services to view our current rates and apply now!

What types of IRAs do you offer?

Kitsap Credit Union offers both a Traditional and ROTH IRA.

Grow your nest egg worry free with a retirement account designed with you in mind. Kitsap Credit Union IRAs are especially designed to help you with retirement, while protecting your funds from any losses due to the changing market.

With a Kitsap Credit Union IRA, you benefit from:

• Fast, local service
• Low minimum opening balances
• Opportunities for better earnings with IRA Certificates 

Visit a Convenient Branch Location to open an IRA today!

How long will funds transferred via mobile banking be made available?

Funds transferred between your Kitsap Credit Union accounts are typically available immediately however, transfers made after 8:00 PM may not be available until the next business day.

Ready to Transfer?

1. Log into the mobile app or our site via your mobile device’s web browser
2. Click Transfer
3. Confirm

Is your site ADA accessible?

Kitsap Credit Union is currently taking a variety of steps and devoting resources to further enhance the accessibility of our website. Our goal is to make our site accessible to all visitors and to provide universal access to our website by following the Web Content Accessibility Guidelines (WCAG).

For more information please see ADA Standards

What card management features are available to me?

You have control over your Kitsap Credit Union cards with Card Management in online banking and the mobile banking app.

Here's what you can do:

• Temporarily turn your card on/off. You can temporarily turn your cards into an inactive state and turn cards back into an active state later. Use the Card Status toggle button for these temporary actions.
• Set a Travel Notice. Let us know where and when you'll be traveling so we'll know your card(s) will be used in a different location than normal.
• Set up Transaction Alerts. Receive an email or mobile push notification based on transaction amounts and/or types of transactions you indicate.
• Cancel a card. Using these options will permanently block and disable your card.

To access Card Management:

In Online Banking, log in and select “Card Management” from the “Additional Services” Tab.

In the mobile app, log in and select “Card Management” from the “More” menu.
 

If you require a new card, please contact us or visit a local branch to have a new card issued.

New to Online Banking? 

Setting up an Online banking account is quick and easy. Enroll now!

How can I notify Kitsap Credit Union of travel plans?

You can notify Kitsap Credit Union of your travel plans in online banking or via the mobile app with Card Management! We'll need the dates you'll be traveling and the destination states or countries you'll be going to.

To access Card Management:

In Online Banking, log in and select “Card Management” from the “Additional Services” Tab. Then select “Set Travel Notice.”

In the mobile app, log in and select “Card Management” from the “More” menu. Then select “Set Travel Notice.”

Traveling internationally? Check out our Rate & Fee Schedule for the Visa International Fee that will apply to international transactions.

Take all your cards wherever your phone goes

Forget your wallet at home and upgrade to a digital wallet! Mobile Wallets let you go digital with your debit and credit card payments. Use all your favorite Kitsap Credit Union cards with a faster and more secure method.

Learn more on the Mobile Wallet page and get started today!

How do I add my card to Apple Pay®?

Apple Pay® lets you make purchases at participating merchants with virtual cards on your iPhone® and Apple Watch®.

It’s simple to get started:

1. Add your Kitsap Credit Union debit and credit cards to the Wallet app on your iPhone®.
2. Pay by holding your iPhone® or Apple Watch® near the reader at participating merchants.

How do I add my card to Google Pay™?

Google Pay™ lets you make purchases at participating merchants with virtual cards on your Android device.

It’s simple to get started:

1. Download and install the Google Pay™ app from Google Play™.
2. Add your Kitsap Credit Union debit and credit cards to the Google Pay™ app on your device.
3. Pay by unlocking your phone, hold it near the reader at participating merchants, and follow the prompts. 

How do I change the threshold for text message alerts?

You can update your settings for text message alerts anytime. Login to your online banking account and select "Mobile Banking and Alerts" from the "Additional Services" menu. 

At this time, alert settings are not available through our mobile apps. You can use your mobile device's internet browser to use the step above to adjust account alerts. 

How do I set a travel alert?

Setting a travel alert can be done anytime you're in your online banking account or signed into the mobile banking app. Let us know the dates and destinations of your trip in Card Management.

To access Card Management:

In Online Banking, log in and select “Card Management” from the “Additional Services” Tab. Then select “Set Travel Notice.”

In the mobile app, log in and select “Card Management” from the “More” menu. Then select “Set Travel Notice.”

Get account access on-the-go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Text Notices from KCU

Members are automatically enrolled in text messages for account alerts, loan payment reminders and emergency branch information.

All members with mobile phones on record with Kitsap Credit Union will receive two texts. The first will provide the opportunity to opt-out of account notifications; the second will allow you to opt-in to receive notifications of promotional offers.

In order to receive these notifications, be sure to have your most up to date mobile phone number attached to your KCU account. To update the number or add it to your account, simply log in to your online banking and click My Settings, visit a branch, or give us a call at 800-422-5852.

If you would like to opt back in for either service, follow these steps:

• Text “resume” to your last text message or to short code 43783 to resume account notifications; and
• Text “kitsap” to your last text message or to short code 43783 to resume promotional offers.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

What are Transaction Controls?

Transaction Control is a feature of Card Management in online and mobile banking. Setting a transaction control is like setting a spending limit to manage how much can be spent on your card in a single transaction. Set the maximum dollar amount for the type of transaction, such as an ATM withdrawal or online purchase, to prevent unwanted transactions.

To access Card Management to set or update a Transaction Control:

In Online Banking, log in and select “Card Management” from the “Additional Services” Tab.

In the mobile app, log in and select “Card Management” from the “More” menu.

Can I be notified when mortgage/refinance rates are updated?

At this time, Kitsap Credit Union does not have a notification system that could contact you when rates are updated.

You can always visit our Mortgage Web Center for today’s rates, or stop by a local branch.

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.

Can I change insurance companies for my homeowner's policy? Do I need to notify you?

Yes, you can select the insurance company of your choice provided that the coverage meets credit union guidelines. The credit union must always be listed in the mortgagee clause during the period of time the mortgage, home equity loans or home equity line of credit is open.

Can I pay my own real estate taxes and homeowner's insurance?

It depends on the specifics of your loan transaction. Mortgage loans typically require reserves for taxes and insurance if the loan amount is greater than 80% of the value. Reserves are not required for loans in second lien position or HELOC’s. You’ll want to bring this question up before you close on a mortgage loan.

Competitive rates with expert advice you can trust from your local neighborhood lender.

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.

Do I need to provide you with proof of my Homeowner's Insurance?

Yes, homeowner’s insurance is required to be in place at the time the loan funds are disbursed and must continue during the term of the loan. The credit union must be listed as a mortgage lender.

Do you have any deals for first time home buyers?

We offer FHA and USDA financing which can be a good option for those making their first home purchase.

• FHA loans are excellent for first-time home buyers because, in addition to looser credit requirements, they allow low down payments.
• USDA loans are also a good option if applicants meet income guidelines and the property is located in an eligible area.

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.

Not a member yet?

Applying is fast and easy! You will need the following information in order to complete the application:

• Government issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Click here to apply now!

We offer FHA and USDA financing which can be a good option for those making their first home purchase.

• FHA loans are excellent for first-time home buyers because, in addition to looser credit requirements, they allow low down payments.
• USDA loans are also a good option if applicants meet income guidelines and the property is located in an eligible area.

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.

Not a member yet?

Applying is fast and easy! You will need the following information in order to complete the application:

• Government issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Click here to apply now!

Do you offer VA or FHA loans?

Yes! Kitsap Credit Union offers VA and FHA loans and more for property located in the state of Washington.

Apply now to take advantage of:

• Today's low rates
• Fast pre-approvals

Ready to get started? View our current rates and apply now!

How are my property taxes paid?

If you elect to escrow your property taxes, you will make monthly payments and the credit union will pay your taxes on your behalf.

If you do not escrow the property taxes, then you are responsible for making the property tax payment when it comes due.

Be a master of your finances with Financial Education!

Not only are we here to lend you a hand with your purchases, but we're also here to help you achieve financial wellness and meet your money goals.

Visit our Financial Education page today and start using our free curriculum and tools!

How much will it cost me to refinance my first mortgage?

Every refinance will be different and once you submit an application you will receive a Loan Estimate form that will breakdown the costs for your situation but a good rule of thumb is about 2-3% of the loan amount you are borrowing.

Kitsap Credit Union has the right experts to guide you through the process from start to finish.

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

I'm refinancing my home and I need a subordination letter for my home equity loan. How do I get one?

Requests for subordination usually come from the mortgage company you are working with. You will need to provide them with a letter, signed by you, requesting the subordination. This will allow us to work directly with the mortgage company for the letter. The fax number to send the request to is 360-307-2100.

What are my closing costs for my mortgage?

The specific amount of your closing costs will vary depending on your specific situation but costs generally fall into three categories: third party fees, taxes and other unavoidable costs, and lender fees.

Third Party Fees include:

• Appraisal fee
• Credit report fee
• Settlement / closing fee
• Survey fee
• Tax service fee
• Title insurance fee
• Flood certification fees
• Courier / mailing / notary fees

We collect any third-party fees and pass them on to the person who performed the service. For example, an appraiser is paid the appraisal fee, a credit bureau is paid the credit report fee, and a title company is paid the title insurance fees.

Taxes and other unavoidable costs include:

• State/Local Taxes and
• Recording fees

These fees will most likely have to be paid regardless of the lender you choose. If some lenders don't quote you fees that include taxes and other unavoidable fees, don't assume that you won't have to pay it. It probably means that the lender hasn't done the research necessary to provide accurate closing costs.

Lender fees may include:

• Points
• Document preparation fees
• Loan processing fees

These fees are retained by the lender and are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before making a decision.

Apply now to take advantage of:

• Today's low rates
• Fast pre-approvals

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.

What is a Mortgage Loan?

A mortgage is a loan to finance the purchase of your home.

Your home is collateral for the loan, which is also a legal contract you sign to promise that you'll pay the debt, with interest and other costs, typically over 15 to 30 years.

If you don't pay the debt, the lender has the right to take back the property and sell it to cover the debt. To repay the debt, you make monthly installments or payments that typically include the principal, interest, taxes and insurance, together known as PITI.

For a fun video about mortgages, watch this short video below!

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.

.

What is a Mortgage Note?

A mortgage note, sometimes called a real estate lien note, is a signed legal document that states the signer will repay the amount that has been loaned, plus any interest that accrues during a specified amount of time at a predetermined interest rate.

When you take out a loan to purchase the home, you will need to sign the mortgage (deed of trust) as well as this promissory note. The promissory note contains the terms of loan repayment, while the deed is released to you upon completion of payment.

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

What is an escrow account?

An escrow account is established as a convenient way to manage property taxes and insurance for your home. Sometimes referred to as an "impound account", escrow accounts allow you to make one monthly payment, instead of paying individual bills when they are due.

A portion of your monthly mortgage payment goes directly to your mortgage (principal and interest) and the remainder is allocated to your escrow account to cover property taxes and insurance. When the individual bills are due, your lender will pay them with funds from your escrow account.

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

Why should I consider getting pre-approved before buying a home?

It's always a good idea to get pre-approved before shopping for a new home. Getting pre-approved with a lender provides peace of mind that your credit and income meets the guidelines for the loan amount you have requested.

It helps identify an appropriate budget for the value of the home you are shopping for. It also shows sellers you are a serious buyer in the negotiation process.

Competitive rates with expert advice you can trust from your local neighborhood lender.

Whether you 're a first time home buyer, looking to refinance, or want to take advantage of special VA, USDA, or FHA home loan programs, Kitsap Credit Union has the right experts to land you the home of your dreams and guide you through the process from start to finish.

Apply now to take advantage of:

• Today 's low rates
• Fast pre-approvals

Looking to apply for a mortgage?

Take advantage of our low closing costs, and learn more about the different loan options we have available to you on our Mortgages page.

Get a Rate Quote today and Apply Now to get pre-approved!

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, call us at 877-817-0279 or email us at HomeLoans@kitsapcu.org.

Can I access my account with Quicken® or QuickBooks®?

Yes. For personal accounts we provide Direct Connect Registration through Online Banking. Just sign into your account, select Connectivity for Quicken® and QuickBooks® in the Additional Services Tab. 
 

For Business Accounts, transactions can be exported to a Quicken® or QuickBooks® file that can then be uploaded to the respective program. 

Can I change my physical address, mailing address, email address, and phone number through online and mobile banking?

Yes! This is available through the “My Information” option under the Additional Services tab. If you have multiple accounts with us, please sign into each account and update your information accordingly.

Use your banking account on your mobile device! 

Can I get a printout of my statement over the Internet?

If you are signed up for eStatements, simply click on the “Statements” tab in your online banking account to locate the statement you need. You will also be able to electronically access up to 12 months of past statements to reference your account activity.

If the statement you are looking for is not available online, contact us and we can help you obtain a copy. Please see our Rate and Fee Schedule for our current statement copy fee.

Sign up for E-Statements today!

Reduce your chances of being a victim of mail fraud by receiving your Kitsap Credit Union statement electronically. There is no risk of postal mail theft, delays or diversions and the service is available free of charge. To sign up for eStatements, simply log into our online banking account, click the “Statements” tab, review the terms and conditions, and complete the registration!

Can I report fraudulent transactions in online banking?

Yes! The link to “Report a Fraudulent Transaction” is located in the Other Services Island to the right of the transaction history in Online Banking. (This feature is not available using the mobile app.)

New to online banking?

Online banking is free to all of our members and it lets you access your accounts on your terms. Check your account balance and transaction history, access transfer between your accounts, take advantage of Bill Pay, or create a budget with Money Management all from the comfort of your home.

If you have an account with Kitsap Credit Union, you're already signed up for online banking!

To get started, click here!

Does online and mobile banking have a memo feature?

Yes! Online and mobile banking transfers now has memo feature that will display in the transaction history and on statements.

Use your banking account on your mobile device! 

Now you can access your money whenever and wherever. Checking your account balance, making a deposit, transferring money, paying your bills – these all can be done via mobile app!
 

How do I download or print my eStatements?

To download your eStatements, login to Online Banking and select the Statements tab. Select Account Statement of the month you would like to download or print. This will display your eStatement. You'll have option to download or print on the top right of the display window.

If I have multiple accounts, can I view them all with one login?

At this time if you have multiple accounts with Kitsap Credit Union, you are required log into each account separately to view balance and transaction information.

We do have the capability of linking the accounts for you to be able to transfer between them, when you are logged into the account you are transferring from. Give us a call to complete a Linked Account Access Authorization Form through email or print one out to complete, sign, and return to us by mail or fax. 

1. Mail the completed form to:
   
   Kitsap Credit Union
   PO Box 990
   Bremerton, WA 98337
    
2. You may also fax it to us at (360) 698-6614 or contact us directly at (800) 422-5852 to have the form sent to you electronically.

Manage your KITSAP CREDIT UNION accounts on your mobile device!
You can access your money whenever and wherever it's convenient for you.

For more information please visit our Mobile Banking page!

Linked Account Access Authorization Form

Linked_Account_Access_Form

Can I open a savings or checking account online?

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: 

• Government-issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Learn more About KCU and when you're ready, apply today using our Online Application.

Is there a minimum balance required for a checking account?

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 other minimum balance requirements for your Kitsap Credit Union checking account.

Please review our rates and fees schedule for more information regarding minimum balances.

Ready to get started? Open a Kitsap Checking Account today!

Is there a minimum number of deposits I have to make into a checking/savings account per month?

No, there are no minimum number of deposits required for your checking account each month.

Ready to get started? Please visit our Online application center to open a Kitsap Checking Account  today!

What types of overdraft protection do you offer?

We offer solutions for overdraft protection including:

• Additional Savings Accounts
• Visa Credit Cards
• Overdraft Line of Credit

We would be happy to review options specific to your account. Contact a Member Specialist today.

Don’t have online banking yet?

Joining is easy. Sign up today!

How can I order checks for the first time?

You can order checks* online in your Online Banking account. Just login, select "Check Reorder" from the Additional Services tab and follow the process. You can also contact us and we will be happy to order checks for your account. 

*Checks orders are not available for Generation You Checking accounts. Please contact us to order Premier Club checks.

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Support.

By Phone:

• To speak with a local Member Specialist please call 800-422-5852 24 hours a day

In Person:

• For our branch locations and hours click here.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

Do I have an overdraft limit on my checking account?

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.

If you have opted-in to Courtesy Pay, this service can cover up to $500 of transactions in your account plus fees, and will apply only after all other overdraft sources have been exhausted.

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:

• Overdraft Line of Credit
• Visa Accounts
• Additional Savings Accounts

If you would like to review options specific to your account, you can contact us using the following methods:

• Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

How do I transfer money into a different account?

For accounts within Kitsap Credit Union contact us and we can process the transfer for you.

If you will be transferring money periodically, you can complete a Linked Account Access Authorization Form. Once you send the completed and signed form to us and we process it, you will be able to transfer to another account in online banking, mobile banking, and Phone Banking.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts or notifications, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

Can I printout my statement using Online Banking?

Yes! If you are signed up for eStatements, your statements will be available to you in your online banking account on the Statements tab.

New to Online Banking? Learn more and enroll now!

If you need further assistance please contact us.

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Support.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• For our branch locations and hours click here.

By Mail:

• Our mailing address is Kitsap Credit Union PO Box 990 Bremerton, WA  98337

Can I mail a check for deposit into my account?

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.

Don't have access to mobile banking?

Now you can access your money whenever and wherever. Checking your account balance, making a deposit, transferring money, paying your bills – these all can be done via mobile app!

Can I order checks from any company or does it have to be through your vendor?

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.

Please contact us to ensure you have the correct routing number and full 14-digit account number when ordering checks.

Skip the checks! Pay your bills with Bill Pay!

1. Login into your free Kitsap Credit Union online banking account.
2. Select the Bill Pay tab, located at the top of the page, and click "Complete Sign up" after acknowledging the Terms & Conditions
3. Use the option "Need to pay someone new?" to start adding payeess

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.

Courtesy Pay

CP_Form_v-20-1_approved

How do I turn off overdraft protection?

We offer to link the following to your checking account as overdraft protection:

• Overdraft Line of Credit
• Visa Accounts
• Additional Savings Accounts

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, you can contact us using the following methods to make the change.

• Online: Sign in to Online Banking to use Live Chat  or send a Secure Message by clicking on the Contact Us link on the top right.
• By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
• In-Person: Visit one of our branch locations

Need account access on-the-go?

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Do I need to receive paper statements or can I get my statements electronically?

It’s up to you how you receive your statements! Mailed statements are automatic until you enroll in eStatements.

To sign up for estatements:

• Online: Log into our online banking account, click the “Statements” tab and follow the steps to complete the registration!
• Mobile App: Log into our mobile banking app, tap more or the menu of options, select "Statements" and follow the steps to complete the registration!

New to Online Banking? Learn more and enroll now!

Use your banking account on your mobile device! 

Now you can access your money whenever and wherever. Checking your account balance, making a deposit, transferring money, paying your bills – these all can be done via mobile app!

Does Kitsap Credit Union have a card fraud monitoring service?

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.

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Support.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852

In Person:

• For our branch locations and hours click here.

New to Online Banking? Learn more and enroll now!

How can I get a copy of a canceled check?

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:

1. Log in to Online Banking or Mobile Banking
2. Find the transaction through your checking history
3. Click the blue hyperlink to open the image

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 submit a secure message with the check information and we will provide you a copy.

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 for a copy of the check. 

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.

How long after opening a checking account, will I receive my debit card?

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.

Interested in becoming a member?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

How much does it cost for a check/draft stop payment?

Please review our rates and fees schedule for more information regarding stop payment fees. You may request a stop payment by telephone, by online chat or secure message in your online or mobile banking account, or in person.

To place a stop payment, contact us and we would be happy to assist you. 

Monitor your account activity from your smartphone

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Is there an age requirement for a checking account / debit card?

We offer Varsity 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.

Ready to open a Varsity Checking Account?

Apply at one of our branches today!

Phone Banking Automated Account Information

Phone banking is a free service provided to all of our members. With phone banking, you'll have access to your accounts 24 hours a day via your touch-tone phone.

To use, you can either push a button or speak to your phone and:

• Obtain balances and loan information
• Find out if your direct deposit has posted
• Transfer money
• Change your telephone banking pin
• Make a loan payment transfer
• Transfer cash advances from Visa or Line of Credit
• Balance your checking account

Spanish support is available.

To access, please call (360) 662-CASH (2274) or toll free nationwide at 1 (800) 422-5852.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

What are the overdraft fees?

An overdraft fee is assessed when you withdraw more money than you have available in your account.

Our current overdraft fees are listed on our Rate and Fee Schedule.

We're here for support when you don't have enough money in your account to cover a transaction.

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 Overdraft Line of Credit to the checking account. Learn more here!

What information do you need to send an international wire?

At this time, Kitsap Credit Union is 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 our secure chat feature while you are logged into your online banking account.

Incoming and outgoing wire transfers are subject to the current fee as published on our Rate and Fee Schedule.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

What is a post-dated check?

A post-dated check is one that is written with a future date. A check that is presented to a financial institution may be negotiated before the post date and KCU does not recommend writing a check before the funds are available.

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.

What is a Varsity Account?

Varsity Checking is a free checking account that offers members ages 13-17 the opportunity to experience maintaining a checking account through online and mobile 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

Ready to get started?

Visit one of our branch locations to open your account today!

What is Courtesy Pay?

Courtesy Pay coverage provides the ability to overdraw your personal checking account up to $500 (including Non-Sufficient Funds and/or Courtesy Pay charges).

For our current fees, please review our Rate and Fee Schedule.

• Courtesy Pay is available to members who have opted-in and have maintained their account in good standing, defined as:
• Account opened at least 60 days
• Making regular deposits sufficient to cover transactions
• Bringing the account to a positive balance for a 24-hour period at least once every thirty days or less
• There are no legal orders outstanding on your account

Contact us if you have any questions or to opt in or out of Courtesy Pay.

Online:

• For assistance via Live Chat, sign in to Online Banking.
• To send a secure message, sign in to Online Banking and click secure email.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852

In Person:

• For our branch locations and hours click here.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

What should I do about missing checkbooks?

The information on your checks may be used to make fraudulent withdrawals and therefore we recommend that your checking account be closed if you have lost or stolen checks.

Contact us today and we can help you get set up with a new checking account and help make the transition easy. 

Be a master of your finances with Financial Education

Not only are we here to lend you a hand with your purchases, but we're also here to help you achieve financial wellness and meet your money goals.

Visit our Financial Education page today and start using our free curriculum and tools!

Can I cancel a Corporate (cashier’s) check?

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.

What should I do if I have a negative balance in my Checking Account?

Please make a deposit to your account to bring your balance back to positive as soon as possible. If you would like to discuss any other options, please contact us and we would be happy to assist you!

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, a Visa Account, or Additional Savings Accounts.

Once you've decided which method to use, click on the Apply Now! button to start the application process today.

When will you send my tax forms?

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 “Statements” tab, 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!

New to Online Banking? Learn more and enroll now!

Don't have access to mobile banking?

Now you can access your money whenever and wherever. Checking your account balance, making a deposit, transferring money, paying your bills – these all can be done via mobile app!

Why did a check I wrote clear my account for a different amount than I wrote it for?

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.

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.

Why did my check bounce when I had money?

Overdrafts are determined based on the available balance in your account at the time of the presentment. Your available balance may be lower than your actual balance due to funds held for debit card transactions you have authorized.

We have options to help cover future transactions.

Our Visas or 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.

Apply today!

Can I use my debit or credit card while traveling internationally?

Yes! Your debit or credit card can be used anywhere that VISA is accepted. You can also set a Travel Notice to let us know when and where you'll be traveling so we'll know your card(s) will be used in a different location. Travel Notice is a feature of Card Management that's available in online banking and our mobile app.

To access Card management:

In Online Banking, log in and select “Card Management” from the “Additional Services” Tab. Then select “Set Travel Notice.”

In the mobile app, log in and select “Card Management” from the “More” menu. Then select “Set Travel Notice.”

Traveling Internationally? Our Rate & Fee Schedule will provide you with the Visa International Fee that will apply to international transactions.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

Do you offer a Visa card with Rewards?

Yes! Kitsap Credit Union offers a Visa Card where you can earn points that can be redeemed for travel and merchandise. 

• For Personal Accounts, see our Visa Rewards.
• For Business Accounts, see our Visa Business Rewards.

Interested in just cashback? Check out our Visa Signature Cash Back card!

Take all your cards wherever your phone goes

Forget your wallet at home and upgrade to a digital wallet! Mobile Wallets let you go digital with your debit and credit card payments. Use all your favorite Kitsap Credit Union cards with a faster and more secure method.

Learn more on the Mobile Wallet page and get started today!

How can I send credit card payments?

Making your Kitsap Credit Union credit card payment is easy!

You can make a credit card payment in any of the following ways:

• Online Transfer from your KCU savings, checking, or money market account.
• Bill Pay from the financial institution you have your checking account at.
• Mail us a check or money order for your payment.
• Provide a payment at a branch location.

Visit our Payment Options page for all the ways to make your payment.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

How do I initiate a balance transfer from a different credit card onto my KCU card?

To do a balance transfer to your Kitsap Credit Union VISA card, we will issue a check to pay off your other credit account. You will need to provide the following information:

• Amount to be paid
• Creditor’s name
• Mailing address
• Your account number

To request a balance transfer, please contact us through Live Chat in Online Banking, contact a Member Specialist by calling 800-422-5852, or visit one of our branch locations.

Haven’t signed up for Online Banking?

With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

How do I redeem cash back from my Visa Cash Back card?

Redeeming your Cash Back is easy! Use the CashBackRewards.org website with your smartphone or computer to manage your cash back account wherever you are. Check your balance and start redeeming your cash today!

To Redeem Your Cash Back:

1. Go to CashBackRewards.org and click “Register” on the top right.

2. Enter your information, create a user name, agree to the program Terms and Conditions, and then redeem!

Cash redemptions will be deposited into your Kitsap Credit Union Savings account within 5-7 business days.

How do I redeem points from my Visa Rewards card?

Redeeming your Visa Rewards points in your online or mobile banking account. 

In online banking, click the "Better Together Rewards" tab at the top.

In moble banking, select "Better Together Rewards" in the "More" menu.

You'll be asked to confirm your email address the first time you visit the site. 

Points can be redeemed for merchandise, gift cards, and even cash back! Happy redeeming!

What do I do if I lost my Debit / Credit Card?

You can report your card, whether it's a debit or credit card, lost/stolen anytime in Online Banking or on the Mobile App by logging into your account. 

In online banking, select Card Management in the Additional Services tab. 

In the mobile app, select Card Management in the More menu.

If there has been any fraudulent transactions, contact us or complete a fraud report. The fraud report is located in online banking within the Other Services box when viewing your account history.

Still need help? Give us a call at 1.800.422.5852. (24 hours a day) We will review recent transactions with you to make sure no fraudulent transactions have happened and can issue you a replacement card.

You can also pick up a replacement card by visiting one of our branch locations. Please see our current Rate & Fee Schedule for the current fee for replacement cards.

Don’t have online banking yet?

Online banking allows you to manage your finances with ease and simplicity with:

• Real-time account balances and transaction history
• Bill Pay
• eStatements
• Email Alerts and Notifications
• ... and more!

What is my PIN for my debit card?

For security, we do not save your debit card PIN. If you have forgotten your PIN, you can contact us and we can help you get another one.

What types of credit cards do you offer?

All of our Visa Credit Cards are designed with you in mind.  We offer three different types of credit cards so you can choose the one that fits your needs.

For more information and to compare cards, visit our Visa Credit Cards page.

All cards include:

• Easy payment options! Simply transfer your payment from your KCU savings or checking. 
• Purchase security
• 25-Day grace period on purchases.
• and more!

Ready to get started? Visit our online application center and apply today!

Why did I receive a call from Fraud Prevention Center?

Kitsap Credit Union provides all of our members’ fraud monitoring on card transactions. The fraud prevention system will call you from 1-877-902-4806 to verify transactions. If you missed a call, our team would like to review your recent transactions with you to ensure all the transactions were yours.

Please contact us so we can review your account with you.

Online:

• For assistance via Live Chat, sign in to Online Banking.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• For our branch locations and hours click here.

Keep tabs on your accounts with Online Banking!

Our online banking service lets you conveniently access your Kitsap Credit Union accounts 24/7 from any computer. 

Can I apply for a loan modification after a bankruptcy?

We would be happy to speak with you to assess your situation and see if there is a loan that would be right for you.

At Kitsap Credit Union we care about your financial wellness.

Can I apply for an auto loan if I have not found the car I want yet?

Absolutely! It’s a great idea to apply for a preapproval for your car purchase.

Whether you're refinancing your current vehicle, purchasing a new one, or one that's new to you, Kitsap Credit Union offers a variety of new and used vehicle loans to help you drive away with payments you can afford.

Apply now to take advantage of:

• Competitive rates with terms up to 84 months
• Fast pre-approvals
• Relationships with local dealerships for quick, on the spot financing
• Knowledgeable loan experts to guide you through on-line and private-party sales

Click here to apply now!

Interested in becoming a member?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

You may also need:

• What insurance requirements do you have for auto loans?
• Can you get me a copy of my credit report?

Can I make my loan payment over the phone?

Yes! You can call us at 1-800-422-5852 to make your Kitsap Credit Union loan payment over the phone. See our current Rate & Fee Schedule for Pay by Phone Convenience fee.

For more ways to make your payments, visit our Make a Payment page.

Can my loan be paid off by a third party?

Yes. We can apply a payment to your loan account from a third party. They would need your name and loan account number. We would not provide the third party with any of your personal or account information.

Do I get credit if the payoff balance is less than the amount Gap insurance is paying?

Yes. Any amount that is sent to pay off your loan that is more than the amount you owe will be deposited into your savings account.

You can verify your account balance anytime by logging into your online banking account.

Do I have to buy from an auto dealer?

No, we do finance private sales. Apply for an Auto Loan today! 

Whether you’re refinancing your current vehicle, purchasing a new one, or one that’s new to you, Kitsap Credit Union offers a variety of new and used vehicle loans to help you drive away with the payments you can afford. 

Apply now to take advantage of:

• Competitive rates with terms up to 84 months
• Fast pre-approvals
• Knowledgeable loan experts to guide you through on-line and private-party sales

Do you have loans for motorcycles?

Yes, we are proud to offer motorcycle loans!

Apply for your motorcycle loan online today or you are always welcome to apply at one of our branch locations. Our staff is here to help!

For more information visit the Auto Loans page of our website.

If you would like to discuss further options before applying give us a call at 800-422-5852. 

Ready to get started?

Visit our online application center and apply today!

Do you offer a secured credit card to help build credit?

At this time, we do not offer secured credit cards, however, we do offer share-secured loans to help members build their credit. A share secured loan is a loan off of the money you have in your savings or certificate account. This will reflect as a loan on your credit report and with consistent, on time payments can help your credit rating over time. 

To apply or for more information, visit Personal Share Secured Loan

Do you offer business loans?

Yes!  Kitsap Credit Union is proud to offer several loan options for businesses including Visa Business Rewards, Business Auto Loans, Business Line of Credit, and Commercial Real Estate loans.

Running a business is not easy, but banking at Kitsap Credit Union is.

As a local community Credit Union, Kitsap will provide:

• Variety of loan options customized to work for you
• Competitive rates
• Experts with knowledge of the local market

Apply for a business loan today!

Looking for more financial resources for your business?

Explore any of the links below, or connect with a Business Service Team member today:

• Business Checking and Elite Business Checking
• Business Savings, Money Market, and Certificates

Do you offer construction loans?

We currently offer commercial and business construction loans, including loans for non-profit organizations. For more information on these loans, contact one of our Member Business Lending experts today!

At this time, we do not have residential construction loans. If you would like more information or are interested in applying for a home mortgage, please visit our mortgage page.

Running a business is not easy, but banking at Kitsap Credit Union is.

As a local community Credit Union, Kitsap will provide:

• Secured term loans and lines of credit
• Loan terms customized to work for you
• Competitive rates
• Experts with knowledge of the local market

Apply for a business loan today!

Do you offer debt Secured and Unsecured Loans, Personal Lines of Credit, Home Equity Lines of Credit, Overdraft Lines of Credit, or Visas?

Kitsap Credit Union does offer all of those loans for our members to consolidate bills and pay off other debts.  There are several options available to most members.  This may include personal loans, home equity loans/lines, or even a first mortgage.

If you would like to discuss options before applying, simply call Member Specialist at 360-662-2000 or 800-422-5852.  They are trained to assess your personal situation and decide what loan type fits best.

You can visit our Loan page for more information.

Do you offer payday loans?

Though we have many convenient loan options, we do not offer payday loans. Typically offered at extremely high interest rates, payday can be very costly and are not in the best interest of the consumer. We do offer several types of personal loans that may provide you with the funds you need. 

If you would like to discuss loan options, you can call our Member Specialists. They are trained to assess your personal situation and decide what loan type would fit best.

You can also visit our Loan page for more information.

Need an easy way to keep track of your accounts?

Our online banking service lets you conveniently access your KITSAP CREDIT UNION accounts 24/7 from any computer. 

Do you offer Skip-A-Pay?

Yes! Please visit our Skip-A-Pay page for more information.

To take advantage of a Skip-A-Pay or to see if you are eligible, login to your online banking account or our mobile banking app to find out!

• Online Banking – click on “Additional Services” and then select “Skip-a-Pay”, or use the Skip-a-Pay widget directly on your accounts home page.
• Mobile Banking - click on the 'More' menu, and select "Skip-a-Pay".

You can contact us if you have any questions!

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click Support.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852

In Person:

• For our branch locations and hours, click here.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

How can I apply for a credit card online?

Our credit cards provide the flexibility, security, and worldwide acceptance you've come to expect from Visa with our cooperative philosophy-putting people ahead of profits.

Choose between fixed and variable rate cards, each designed to help you with:

• Competitive rates
• No annual fee
• No cash advance fees
• No balance transfers fees
• 25-day interest free grace period on purchases
• Travel Accident Insurance

Ready to get started? Apply now!

Shouldn't you have a credit card that fits the needs of your business?

The Visa Business Rewards card gives you the convenience and security of Visa with a rewards program designed for business. Every purchase earns rewards points!

Apply today for a Visa Business Rewards card!

How can I make my loan payment?

Visit our Payment Options page for all the ways to make your payment.

How can I obtain a 10 day loan payoff?

Contact us to receive your 10-day payoff amount. You can reach us anytime at 800-422-5852 or any of the options below.

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click ‘Support’.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• Visit any of our Kitsap CU branch locations.

By Fax:

• Fax your written request to us at (360) 698-6614. Please include your contact information.

How can I qualify for a loan?

Loan qualifications differ depending on which loan you are applying for. The best way to find out if you qualify for a loan is to apply.

Ready to get started?

Apply for a loan, stop by one of our convenient branch locations or give us a call toll free at 1-800-422-5852.

How do I apply to refinance my auto loan?

You would simply apply for a new loan to take the place of your current loan.

Whether you're refinancing your current vehicle, purchasing a new one, or one that's new to you, Kitsap Credit Union offers a variety of new and used vehicle loans to help you drive away with payments you can afford.

Apply now to take advantage of:

• Competitive rates with terms up to 84 months
• Fast pre-approvals
• Relationships with local dealerships for quick, on the spot financing
• Knowledgeable loan experts to guide you through on-line and private-party sales

You can  apply now!

Interested in becoming a member?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

How do I apply to refinance my home equity loan?

Your home’s equity can help you finance large purchases, pay for repairs or remodels, and even send the kids to college. Kitsap Credit Union has made accessing your home’s equity simple and straightforward by offering either a fixed rate closed-end Home Equity Loan or a Home Equity Line of Credit to meet your needs.

You can apply for almost any type of loan, 24 hours a day, and 7 days a week on our online application center.

Apply now! 

Here's what you will need to apply for a loan.

• Social Security Number (SSN)
• Your account number
• Your e-mail address
• Verification of Income 

Not a member of Kitsap Credit Union? No problem, we can set up your membership with your loan upon approval.

You can also apply over the phone. Loan representatives are standing by 24 hours a day, seven days a week (including all holidays) to take your loan application by phone. Simply call toll free at 1(800) 422-5852.

Ready to get started?

Visit our online application center and apply today!

How do I change my loan payment due date?

We would be happy to review your loan account for a possible due date change. To be eligible for a change, several requirements must be met including having the current month's payment already paid. 

Please note: Loan due date changes are not eligible on Visa, Overdraft Lines of Credit, Personal Lines of Credit, or Home Equity Lines of Credit.

To have your account reviewed, please contact us through Live Chat in Online Banking, contact a Member Specialist by calling 800-422-5852, or visit one of our branch locations.

Haven’t signed up for Online Banking?

With Online Banking, you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

How do I check the status of a loan application?

You can check the status of a loan application by:

1. Visiting the Kitsap Credit Union homepage. Simply scroll to the bottom of the page and select the "Check Application Status" link.
   
2. When the new page loads, enter your last name, email and SSN.
   
   OR
    
3. Calling our contact center at 800-422-5852

How do I get a loan pay off?

To obtain a loan payoff please contact us directly or visit any convenient branch location to ensure you receive the most accurate up to date information.

How long does a loan approval take?

We can usually have your loan decision within a few hours.

Ready to get started?

You can apply for a loan online, stop by one of our convenient branch locations, or give us a call toll free at 1-800-422-5852.

How long will it take to receive a vehicle title when I pay off my auto loan?

Once your final loan payment has cleared, we forward the information to the Washington State Department of Licensing to remove us as lienholder and send you the new title. This process through the DOL can take between 6 and 8 weeks for you to receive your new title.

If you need something sooner, it’s best to let us know when you are making your final payment. We may be able to provide you with a lien release that you can provide to the DOL. Please feel free to contact us directly if you have any additional questions.

How many days after your loan due date do you consider late? Is there a grace period?

Kitsap Credit Union offers a generous grace period for our members with loan accounts. As long as the full payment is made within 15 days of the due date there will be no late fee added.

Your loan agreement documents will specify when your first payment is due and the amount of late fee that would apply to your account. Alternatively, you can contact us and we can provide it for you.

Remember, as a member, you have convenient online options for making your monthly loan payments.

Manage all your bills in one place

KCU’s Mobile Bill Pay allows you to consolidate all of your bills into one easy-to-use place and manage all of your bills across different websites or apps simultaneously. All your Kitsap Credit Union account details are kept confidential from the people you pay.

Please view our Mobile Bill Pay page for more information and get started today.

How many times can I do a Skip-A-Pay?

You are able to do a Skip-A-Pay once every six months and after there are six months of payments made on your eligible loan.

To see if you qualify, login to your online banking account or the mobile app to find out!

• Online Banking – click on “Additional Services” and then select “Skip-a-Pay”, or use the Skip-a-Pay widget directly on your accounts home page.
• Mobile Banking - click on the 'More' menu, and select "Skip-a-Pay".

For more information about Skip-A-Pay, click here.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.
 

I am moving overseas and the shipping company for my car needs a letter from Kitsap Credit Union as my lien holder. How do I get one?

If you are moving overseas or are being stationed overseas and need an authorization letter from us to ship your vehicle, please contact us with the following information to request a letter:

• The shipping company's address, phone number, and fax number.
• Your overseas contact information. If this is unknown, we will need contact information for a family member or Power of Attorney holder for you here in the United States.
• The reason for your move or military orders. Please fax military orders to (360) 307-2182.

Authorization to ship your vehicle is on a case by case basis. Please allow 3-5 business days for processing.

I have an auto loan with Kitsap Credit Union and I have moved outside of Washington state. How do I register my vehicle in my new state?

Please visit the Department of Licensing in the state you are registering the vehicle in and let them know Kitsap Credit Union is the lien holder on your vehicle. They will start the process with you which usually includes contacting us with their requirements in order for you to register your vehicle with them.

They can fax their request to us directly at (360) 307-2200 or mail to:

This process can take up to 6 weeks based on requirements with Washington State Department of Licensing and new state's Department of Licensing.

I just opened a new loan account. Can I do a Skip-A-Pay?

The loan must have at least six payments applied to it to be eligible for our Skip-A-Pay.

To take advantage of a Skip-A-Pay for your loan, you would need to meet a few qualifications and have the funds in your account for the fee.

For more information please select What is Skip-A-Pay?

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

I received an email to reset my loan, but I lost the email. Can you send it again or help me to take advantage of the offer?

Yes! Please contact us to request for the email to be resent. 

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click ‘Support’.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• Visit any of our Kitsap CU branch locations.

By Mail:

• Mail your request to us at: Kitsap Credit Union  P.O. Box 990 Bremerton, WA 98337

By Fax:

• Fax your written request to us at (360) 698-6614. Please include your contact information.

I received an email to reset my loan, if I reset my loan, will it affect my credit?

No. Resetting your loan does not affect your credit. We already have all the information necessary for your loan reset.

I’m having a problem paying my loans, can you help me?

We understand that unforeseen things may happen that may hinder your ability to make your loan payment. We are here to help. Please contact us so we may assist you with options for your Kitsap Credit Union loans.

One possible option is our Skip-A-Pay. If your loan meets a few qualifications, you may be able to defer your monthly payment for a fee with our Skip-A-Pay option. For more information, visit our Skip-A-Pay page.

If I have bad credit, can I qualify for an auto loan?

There are several definitions of "good credit". We would be unable to know if you qualify until we review your complete loan application. If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan.

There is no cost to do so, and our Member Specialists will work with you to help you through this process.

Ready to get Started?

Apply for a loan, give us a call toll free at 1-800-422-5852 or stop by one of our convenient branch locations.

If I reset my loan a few months ago, can I reset it again?

No. Each loan can only be reset once. If you need to refinance your loan, you can contact us.

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click ‘Support’.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• Visit any of our Kitsap CU branch locations.

By Mail:

• Mail your request to us at: Kitsap Credit Union  P.O. Box 990 Bremerton, WA 98337

By Fax:

• Fax your written request to us at (360) 698-6614. Please include your contact information.

I'm looking to start my own business, do you offer a startup loan?

We can review options for loans that may help you obtain funds to get your business started. A few options may be a home equity loan, a signature loan, or even a low interest Visa card.

For more information about our loans, visit our personal loan page,
give us a call at 800-422-5852, or visit us at a convenient branch location.

I'm resetting my loan. If the loan is in two names, do both members have to electronically sign the loan modification forms?

Yes. For auto and personal loans, the modification request is not considered complete until both members electronically sign the documents. 

Visa accounts using the reset email to process balance transfer requests only require the primary card holder to electronically sign the request.

Is there a fee for Skip-A-Pay?

Yes, the current fee is $35 per Skip-A-Pay. A portion of your fee will be donated to a local charity.

For more information about Skip-A-Pay, click here.

My car is parked in my garage and I don't drive it. Can I waive my insurance on it?

If you owe more than $3,000.00 on your Kitsap Credit Union vehicle loan, Comprehensive and Collision insurance with deductibles not to exceed $1000.00, will still be required on the vehicle. 

Web Payment Center Log In Help

Web Payment Center allows you to make a Kitsap Credit Union loan payment with or without creating a Web Payment Center account. Please review our current Rate & Fee Schedule for the current Pay by Website Fee.

Creating an account with our Web Payment Center  allows you to:

• Set up recurring automatic payments.
• Securely save your payment information for future online payments.
• View previous payment history of payments made via your Web Payment Center account.

To make a payment via the Web Payment Center you will need:

• Your Member Number. This is the same as your six digit account number.
• The primary account holder’s last four digits of their Social Security Number and their date of birth.
• A phone number and email address.

First time users can register to create an account.

From the Web Payment Center, select Register and complete the steps to register for an account.

To make a payment without creating an account.

From the Web Payment Center, select Express Pay and complete the steps to make a loan payment.

Web Payment Center FAQs:

• When I register, I receive a message "We could not find your account details."
  • Check that the name, member number (account number), Social Security Number, or date of birth of the primary account holder.
• I'm trying to make a payment with my Visa Credit Card and it's not working.
  • Only Visa Debit, MasterCard, and Discover are eligible for loan payments.
• I forgot my password, how can I reset my account?
  • From the Web Payment Center log in page, select "Forgot Your Password?" link and follow the steps to reset your password.
• What if I no longer have access to the email used on my account and need to reset my password?
  • You can create a new account with your new email address by selecting Register and registering for a new Web Payment Account. You will be able to connect to your loan with us during the registration process.

What are the current auto loan rates?

For our current auto loan rates, please click here. Whether you’re looking to purchase or refinance a car, boat, or RV, Kitsap offers a full variety of personal loans to meet your needs. Follow the links below to learn more and view current rates:

• Personal Auto,
• RV, Boat Loans
• Mortgage
• Home Equity
• Signature Loans
• Share Secured
• Personal Lines of Credit

Ready to apply for an auto loan?

We offer an easy application process—either online, in person or on the phone toll-free at 1-800-422-5852. 

Click here to get started online today. 

Already have a car loan with another lender?

We may be able to lower your monthly payments with our simple refinance process. Find out if you can save by switching today.

What information do I need to make my Kitsap Credit Union loan payment with my other financial institution's bill pay system?

To make a payment to your loan with us, you'll need your loan account number and our address which is PO BOX 990, Bremerton, WA 98337. 

Tip: All Kitsap Credit Union loan accounts have a savings account attached. For future payments, set up direct deposit into your savings account and set up an automatic transfer from savings to your loan account in online banking.

What insurance requirements do you have for auto loans?

When you have an auto loan with Kitsap Credit Union it is required that your auto loan insurance policy includes:

1. Kitsap Credit Union as LIENHOLDER/LOSS PAYEE 
   • P.O. Box 58790
   • Tukwila WA 98138
2. COMPREHENSIVE and COLLISION coverage on vehicle with deductibles not to exceed $1000.
3. Collateral must match collateral on loan document.
4. Policy Number, Policy Period, and Company Name MUST be listed.

If you need to notify us of your insurance policy, have your insurance agent call 800-998-0763 or visit our verification website www.myinsuranceinfo.com

What is a loan reset?

A loan reset is a benefit to qualifying auto and personal loan holders to modify the terms of their loan. Resetting the loan could lower the monthly payments and is only available through email. Emails are sent to qualifying members that meet certain criteria each month. 

What is my loan payoff amount?

Most loans are charged interest daily so to receive the most accurate and up-to-date information we ask that you contact us directly for your loan payoff amount. 

Don’t have online banking?

Online banking opens convenient 24/7 access to your account. Click here for steps to get started today.

What is Skip-A-Pay?

Skip-A-Pay is a program that allows you to delay a loan payment for a month, for any reason. For a fee, on your eligible consumer loan, you can skip a payment* when requirements are met.

*Opting to do a Skip-A-Pay will not affect your credit rating and simply adds the payment to the end of your loan term – for example, it will make a 60-month loan a 61-month loan. 

Please note: Interest will continue to accrue during the period of no payment. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments were made within the original term agreement. 

Please also note: Home Equities and Home Equity Lines of Credit (HELOC) are not eligible for Skip-A-Pay.

Loans eligible for Skip-A-Pay include:

• Vehicle loans (Including boat, RV, motorcycles and other vehicle types.)
• Personal loans (including Signature, Shared Secured, Purchase Money loans, and Visas.)

To take advantage of a Skip-A-Pay for your loan, you would need to meet the qualifications below and have the funds in your account for the fee.

To be eligible to skip a loan payment, you must:

• Be in good standing with the Credit Union.
• Have made at least six (6) payments on the loan.
• Not be outside of 15 day grace period for the eligible loan.
• Not currently be involved in any Bankruptcy proceedings.
• Not have any unpaid charge offs on the account.
• Not have any skipped or deferred payments in the last six-months.
• Not have any real estate loans with escrow.

You can check in Online or Mobile banking app to see if you’re eligible:

• Online Banking – click on “Additional Services” and then select “Skip-a-Pay”, or use the Skip-a-Pay widget directly on your accounts home page.
• Mobile Banking - click on the 'More' menu, and select "Skip-a-Pay".

If you have any questions, you can contact us!

Why did insurance get added onto my loan causing my payment to increase when I already have insurance?

All vehicle loans at Kitsap Credit Union require insurance. In the event where we may not have received your insurance information, or your insurance is not sufficient based on the terms of your loan agreement we will add Collateral Protection Insurance (CPI) to the account. This will happen if we have not received a response from the notification letters we send.

Here's how to fix it:

• Ensure your insurance policy lists Kitsap Credit Union as Lienholder/Loss Payee with the address of PO BOX 58790 Tukwila, WA 98318. (This address is for insurance purposes only.)
• Ensure your insurance policy includes Comprehensive and Collision coverage with deductibles not to exceed $1000.00.
• Contact us or have your insurance agent submit your information to www.myinsuranceinfo.com or call (800)-998-0763 with the Kitsap Credit Union.

Manage all your bills in one place

KCU’s Mobile Bill Pay allows you to consolidate all of your bills into one easy-to-use place and manage all of your bills across different websites or apps simultaneously. All your Kitsap Credit Union account details are kept confidential from the people you pay.

Please view our Mobile Bill Pay page for more information and get started today.

Do you offer a notary service?

Yes! Notary services are free for KCU members at any of our branch locations. We recommend making an appointment prior to visiting a branch for a notary service. You can request an appointment here: Appointment Request

We are unable to provide notary services to non-members at this time. 

Please bring a photo ID when you visit the branch for notary services.

Interested in becoming a member?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

How do I send or receive wire transfers?

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 our secure chat feature while you are logged into your online banking account.

To access secure chat:
In online banking, click Support in the top right, then Chat Now.

In mobile banking, select the More menu, then Secure Chat.

Incoming and outgoing wire transfers are subject to the current fee as published on our Rate and Fee Schedule.

• For incoming wires, provide the sender with your direct deposit information.
• For outgoing wires, ask your recipient for the wire instructions from their financial institution. We need your recipient’s name, their financial institution’s routing number, address, their account number, and any additional information for them to receive your wire.

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

Setting up Online Banking for the first time?

Click here to get started!

What are the current certificate rates?

Current certificate rates can be found on our Rate and Fee Schedule.

Kitsap Credit Union Certificates are accounts where funds remain on deposit for a predetermined amount of time. This allows members to benefit from compounding interest while earning a higher rate of return than that of a savings account. Learn more by visiting our certificates page.

Ready to start saving? Open your certificate online today.

Not yet a member?

Apply today! You'll need the following information in order to complete the application:

• Government-issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Learn more About KCU and when you're ready, apply today using our Online Application.

What are the current share (savings) rates?

To view our current share (savings) rates, please refer to our Rate and Fee Schedule.

Whether you're goal-oriented, establishing a safety net, or establishing your foundation for a healthy financial future, Kitsap Credit Union offers a variety of great savings products designed to minimize fees while providing competitive rates.

• Fast, secure, and free online banking
• Free mobile and text banking
• Competitive dividends
• Easy set up for direct deposits and automatic transfers

Not yet a member?

Apply today!

You will also need the following information in order to complete the application:

• Government-issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Learn more About KCU and when you're ready, apply today using our Online Application.

What are your current money market rates?

Kitsap Credit Union offers a tiered rate Money Market account designed to give you more flexibility in managing your financial portfolio and is insured by the National Credit Union Share Insurance Fund just like our other savings and certificate products.

For more information and rates on our Money Market accounts, click here.

You can open a new Money Market account online or by visiting one of our convenient branch locations.

Not yet a member?

Apply today!

You will need the following information in order to complete the application:

• Government-issued ID/Driver's license/State ID or Passport with current address
• Current physical and mailing address
• Social Security Number
• Date of Birth

Learn more About KCU and when you're ready, apply today using our Online Application.

How do I open a Kids Club Account?

Kids Club Accounts can be opened at any of our branch locations. The child does not need to be present for you to open the account on their behalf.

The account can be opened by a parent, guardian, or other responsible adult as a joint member on the Kids Club Account.

You will need the Social Security number for all account owners and all adult owners will need to present their government issued photo ID to open the account.

Bring your child's social security number to one of our convenient branch locations and open the account today!

What is a Holiday Savings Account?

Our Holiday Savings Account is a special savings account that allows members to save funds for year-end and holiday expenses. We can help you set up automatic transfers into your Holiday Savings account to save all year.

The balance of the account is automatically transferred to your designated checking account on November 1st. You will also receive a special gift in December, while supplies last!

Open your Holiday Savings Account today online today!

Become a Kitsap Credit Union member today

Learn more About KCU and when you're ready, apply today using our Online Application.

ACH Authorization Form - Change or Cancel Existing Automatic Payments

ACH_Authorization_Form_-_Change_or_Cancel_Existing_Automatic_Payments

ACH Authorization Form - Setting Up New Automatic Loan Payments

ACH_Authorization_Agreement_-_Dealer_Loan

Can you get me a copy of my credit report?

You can obtain a free copy of your credit report at AnnualCreditReport.com. You are entitled to a free credit report annually through this website.

Regularly review your credit report to make sure nothing appears to be out of the ordinary. 

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here. You can also visit us at one of our branches.

Do you offer a foreign currency exchange service?

At this time, Kitsap Credit Union does not exchange foreign currency to US dollars. We apologize for the inconvenience.

However, your debit or credit card can be used anywhere that accepts VISA. If you are traveling internationally, please contact us so we can notate your account with the best contact information while you are away from home.

Our Rate & Fee Schedule will provide you with the Visa International Fee that will apply to international transactions.

Online:

• For assistance via Live Chat, sign into Online Banking.
• To send a secure message, sign into Online Banking and click ‘Support’.

By Phone:

• To speak with a Member Specialist by phone 24 hours a day, call 800-422-5852.

In Person:

• Please visit any of our Kitsap CU branch locations.

Interested in a credit card? Apply now!

Do you provide Signature Guarantee or Medallion stamp services?

Yes, we do offer Signature Guarantee or Medallion Guarantee services at our branch locations. For the current fee for Signature Guarantee, please see our current Rate and Fee Schedule.

To schedule an appointment for a medallion signature/signature guarantee please contact our investment services team.
 

Not a Kitsap CU member yet? Join us today!

How do I cancel my Identity Theft Protection Package subscription?

You can cancel your subscription online or by phone. With either option, the benefits will terminate at the end of the month in which the request is made.

Online:

• Cancel through the subscription website. Log in to the secure Identity Care Account and cancel the benefits under the 'My Profile' tab.

By Phone:

• Call toll-free 1-866-SMART68 or 1-866-762-7868.

How do I change address or any other contact information?

There are several ways to change your information on file with Kitsap Credit Union.

1. Online - Simply log in to online banking and click on the "Additional Services" tab then select "My Information". Click the plus sign to expand the "Physical Address" section to edit your information.
2. Mobile Apps- Open the "More" tab on iOS or the Sidebar Navigation on Android and tap on "Setting." Then select "My Information". Click the plus sign to expand the "Physical Address" section to edit your information. 
3. By Sending us a Secure Email. Log in to online banking, click on "Support" in the top right corner, click "Secure Email", and select "+New Message". Include all of your new information and we will ensure this gets updated for you. 
4. By Phone - We are available 24/7 to help you by phone. Just call 800.422.5852.
5. By Mail - Just write us a letter with your new contact information and your signature requesting the address change.  Our mailing address is Kitsap Credit Union PO Box 990 Bremerton, WA 98337.
6. Virtual Visit - Make an appointment for a video call with one of our Member Specialists.
7. Branch Drive-Thru - For a list of our drive-thru locations and hours, visit: Where are your drive-thru locations?
8. In-Person- You can always stop by a branch location and meet with us personally. Bring a photo ID such as a Driver's License for identification.

If you have any questions or need assistance, contact us!

Not a member yet?

Applying is fast and easy! Determine whether you meet the eligibility requirement and open your account here.

Is it possible to make deposits at other credit unions and have it credited to my accounts?

Kitsap Credit Union does not currently participate in Shared Branching.  However, we are a part of the CO-OP ATM network that allows you to access your money almost anywhere at surcharge-free ATMs.

The CO-OP ATM network offers tens of thousands of surcharge-free ATMs coast to coast located where you live, work and travel.

You can view our branch locations and various ATM locations by going to our Locations page.

Not a Kitsap CU member yet? Join us today!

How do I use a Zelle^® QR code?

Zelle® QR code provides peace of mind knowing you can send money to the right person,
without typing an email address or mobile number.

To locate your Zelle® QR code, log into the Kitsap Credit Union App, click "Send Money with Zelle®". Next, go to your "Zelle® settings" and click "Zelle® QR code" and your QR code will be displayed under "My Code". From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, just share your Zelle® QR code.

To send money, log into the Kitsap Credit Union App, click "Send money with Zelle®", click "Send," then click on the QR code icon displayed at the top of the "Select Recipient" screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle® QR code, enter the amount, hit "Send," and the money is on the way! When sending money to someone new, it's always important to confirm the recipient is correct by reviewing the displayed name before
sending money.

What is Zelle^®?

Zelle is a convenient way to send money right from your mobile banking app or online banking account.

Kitsap Credit Union gives you access to Zelle through both Online Banking and our mobile app.

For more information, visit KitsapCU.org/Zelle

Not enrolled in Online Banking?

Get started with Online Banking from home

With Online Banking, you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

Who can I send money to with Zelle^®?

Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.¹

Since money is sent directly from your bank account to another person's bank account within minutes,¹ Zelle® should only be used to send money to friends, family and others you know and trust.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Kitsap Credit Union nor Zelle® offerspurchase protection for payments made with Zelle® – for example, if you do not receive the item you paid foror the item is not as described or as you expected.

How can I use Zelle^®?

You can send, request, or receive money with Zelle through Online Banking and Kitsap Credit Union's mobile app. 

To access Zelle via Online Banking, select "Send Money with Zelle" from the "Transfers" tab.

To access Zelle via the mobile app, select "Send Money with Zelle" from the "Transfer" menu.

Simply add your recipient’s email address or U.S. mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is typically available in minutes.

To receive money, just share your enrolled email address or mobile number with a friend or person you trust and ask them to send you money with Zelle.

Limit information is available via the "limits" link on the Send Money Screen.

It’s simple to take Zelle^® with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!

Someone sent me money with Zelle^®. How do I receive it?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.

If you have not yet enrolled your Zelle profile, follow these simple steps:

1. Click on the link provided in the payment notification.
2. Select Kitsap Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment.

Get started with Online Banking from home

With Online Banking, you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, or email account alerts, and more!

Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

Can I use Zelle^® internationally?

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

Get started with Zelle^® today

Zelle is a fast and free way to pay and receive money from the trusted people in your life. You can find Zelle in your Kitsap Online Account or Mobile App. Now you can send money directly from your accounts–even if your recipient has a different U.S.-based bank or credit union.

Learn more online at https://www.zellepay.com or log in to your Online Banking account or mobile app to get started.

Can I cancel a Zelle^® payment?

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle. You can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

If your recipient has already enrolled with Zelle, the money is sent directly to your recipient’s bank account and cannot be canceled. This is why it is important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting your money back. If you are unable to get your money back, contact us.

Learn more about sending and receiving money with Zelle^®

Zelle is a fast and free way to pay and receive money from the trusted people in your life. You can find Zelle in your Kitsap Online Account or Mobile App. Now you can send money directly from your accounts–even if your recipient has a different U.S.-based bank or credit union.

Learn more online at https://www.zellepay.com/ or log in to your Online Banking account or mobile app to get started.

How long does it take to receive money with Zelle^®?

Money sent with Zelle is typically available to an enrolled recipient within minutes. If it has been more than three days, we recommend confirming that you have entered the correct email address or U.S. mobile number and provided this to the sender.

If the information you have entered is correct please Contact Us.

Get started with Zelle^® today

Zelle is a fast and free way to pay and receive money from the trusted people in your life. You can find Zelle in your Kitsap Online Account or Mobile App. Now you can send money directly from your accounts–even if your recipient has a different U.S.-based bank or credit union.

Learn more online at https://www.zellepay.com/ or log in to your Online Banking account or mobile app to get started.

Will the person I send money to with Zelle^® be notified?

Yes! They will receive a notification via email or text message. The message may be sent by Zelle or by their bank or credit union.

Learn more about sending and receiving money with Zelle^®

Zelle is a fast and free way to pay and receive money from the trusted people in your life. You can find Zelle in your Kitsap Online Account or Mobile App. Now you can send money directly from your accounts–even if your recipient has a different U.S.-based bank or credit union.

Learn more online at https://www.zellepay.com or log in to your Online Banking account or mobile app to get started.

I’m unsure about using Zelle^® to pay someone I don’t know. What should I do?

Zelle is a great way to send money to friends, family, or others you trust such as your personal trainer, babysitter, or even a neighbor. If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions. They are potentially high risk.

Zelle does not offer a protection program for any authorized payments made with Zelle. Kitsap Credit Union is not responsible if you make a purchase using Zelle, but you do not receive the item or the item is not as described or as you expected.

Get started with Zelle^® today

Zelle is a fast and free way to pay and receive money from the trusted people in your life. You can find Zelle in your Kitsap Online Account or Mobile App. Now you can send money directly from your accounts–even if your recipient has a different U.S.-based bank or credit union.

Learn more online at https://www.zellepay.com or log in to your Online Banking account or mobile app to get started.

What if the person I’m sending money to hasn’t enrolled with Zelle^®?

If the person you’re sending money to hasn’t enrolled yet, they’ll receive an email or text notification letting them know you’ve sent them money. They’ll be guided through a few simple steps to get enrolled.

Once they’ve enrolled, they’ll receive the money directly into the bank account they have associated with their profile. If the recipient doesn’t enroll their Zelle profile within 14 days, the payment will expire and the funds will be returned to your account.

Learn more about sending and receiving money with Zelle^®

Zelle is a fast and free way to pay and receive money from the trusted people in your life. You can find Zelle in your Kitsap Online Account or Mobile App. Now you can send money directly from your accounts–even if your recipient has a different U.S.-based bank or credit union.

Learn more online at https://www.zellepay.com or log in to your Online Banking account or mobile app to get started.

Are there any fees to send money using Zelle^®?

No! Transferring money from person to person using Zelle is completely free. For more information on Kitsap Credit Union's fees, see our Fee Schedule.

Ready to get started using Zelle? Log in to Online Banking today to start transferring!

It’s simple to take Zelle^® with you wherever you go

We understand that life can get busy, but you need to access your money when it's convenient for you. Our mobile app offers a full suite of banking tools at the palm of your hands, so wherever life takes you, we’ll be right there.

Visit our Mobile Banking page to learn more and download the app today!