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Kinly review

An app-based account that helps you set spending limits and savings goals for healthy financial habits’s rating: 4.0 / 5.0


Kinly aims to help Black Americans raise generational wealth by offering banking services tailored to this community. However, anyone can open an account. There’s no monthly fee, overdraft fee or minimum balance requirement, and you get up to $100 in overdraft protection. The app includes audio-based financial education courses, and the account grants access to direct deposits up to two days early.

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$0 per month



Minimum deposit to open


Fee$0 per month
Minimum deposit to open$0
ATMsOver 37,000 locations
Out-of-network ATM fee$2.50
Foreign transaction fee3%
Overdraft fee$0

Review by

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

Kinly’s goal is to help Black Americans raise generational wealth by offering financial services and tools. The account stands out for its spending limits and financial literacy resources. Although most banks offer financial resources, Kinly offers free, audio-based courses, organized to playlists that you can listen to at your leisure.

However, Kinly doesn’t support joint accounts or wire transfers.

The account also offers Stash subaccounts, which are tied to your savings goals. But, unlike standard savings accounts, your Stash balance won’t earn interest. If you want your savings to grow, you’re better off opening up a separate high-yield savings account to work alongside your Kinly.

How to open a Kinly

Open a Kinly account in a few steps via its app.

  1. Go to the provider’s site and follow the steps to apply.
  2. Enter your phone number and choose Download & Apply. Or choose Sign Up Today in the top right corner of Kinly‘s site.
  3. Download the Kinly app on Apple or Google Play store.
  4. Open the app and select Get Started.
  5. Follow the prompts to enter your information and set up an account. Continue after each prompt.
  6. Confirm your account in your email, then confirm your phone number. Continue.
  7. Finish the application questions and fund your account.


Meet these eligibility requirements to qualify for a Kinly.

  • At least 18 years of age
  • US citizen
  • US permanent resident
  • Have a valid Social Security number

Required information

You’ll need some key information to set up an account with Kinly, including:

  • Full legal name
  • Residential address
  • Mailing address
  • Phone number
  • Email address
  • Details from a government-issued ID

5 benefits of Kinly’s checking account

In addition to a free ATM card, network of 55,000 AllPoint ATMs and early direct deposits, Kinly offers these perks.

  1. Few fees. There’s no monthly fee or overdraft fee associated with this account, and there’s no minimum balance requirement to open the account.
  2. Spending limits and savings goals. The app lets you set spending limits for specific categories that you’ll receive notifications for when you’re approaching the limit. You can also set aside funds for saving money in a Stash account, which prevents you from spending the money until you transfer it to your spend account.
  3. Cash back at Black-owned businesses. When you open a Kinly, you’ll save up to 15% on purchases from participating Black-owned businesses.
  4. Access to cryptocurrency. Kinly is the first of five Black-focused banks that is participating in a Visa-backed pilot program that helps customers buy and sell digital assets.
  5. Financial education. Kinly‘s app gives you access to free financial literacy, including an audio library, courses and financial action lists.

4 drawbacks to look out for

Kinlys have a handful of drawbacks you should bear in mind before applying.

  1. Fee for cash deposits. You may have to pay up to $4.95 to load paper money into your account at participating Green Dot locations.
  2. Deposit limits. According to the deposit agreement, you can’t deposit more than $20,000 in your account per month.
  3. No joint account. Kinly doesn’t support joint accounts at this time.
  4. No support for wire transfers. You can’t send or receive wire transfers.

Wanting more options similar to Kinly? An Aspiration Spend & Save account offers a focus on saving the environment, cash back on purchases at specific retailers and a 3% to 5% APY on the first $10,000 in your account, depending on the plan you choose.

If you’re looking for an account with the highest APY, try Quontic Bank’s High Yield Savings account with its APY of 1.85%.

You could also consider other Black-owned banks with the perks and service reach that you need in a bank account, such as supporting OneUnited Bank, City First Bank or Greenwood.

Compare Kinly with other checking accounts

Use this table to compare other checking accounts based on their fees and ATM networks.

1 - 5 of 26
Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee Offer
Axos Bank Rewards Checking
Finder Rating: 4.2 / 5: ★★★★★
Axos Bank Rewards Checking
1.25% on balances of $0 to $50,000
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking
0.01% on balances of $5+
Free to use at all ATMs in the US
Get a $500 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by February 15, 2023, and set up qualifying direct deposits into the new account totalling at least $10,000 per month for three consecutive months. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.

HSBC Premier Checking offers free global transfers and 24/7 customer support.
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
3.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards.
Chime Checking account
Finder Rating: 4.7 / 5: ★★★★★
Chime Checking account
60,000+ fee-free ATMs
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
BMO Harris Smart Money™ Account
Unlimited transactions at 40,000+ ATMs nationwide
Get a $300 cash bonus when you open a new account and have a total of at least $4,000 in qualifying deposits within the first 90 days. See terms and conditions
You’ll pay no monthly maintenance fee if you are under 25. It also offers no overdraft charges and no non-sufficient fund (NSF) fees.

Compare up to 4 providers

How to deposit or withdraw my money

You can’t send or receive wire transfers with a Kinly, and it’s unclear if the account will support check deposits via the app. But you can move money into and out of the account in the following ways.

Deposit options

  • Cash. Deposit cash at participating Green Dot locations, but you may face a fee of up to $4.95.
  • Incoming ACH deposit. Link an external bank account and transfer funds for free at any time.
  • Direct deposit. Your employer can deposit your paycheck directly into your Kinly.

Withdrawal options

  • ATMs. Use your Kinly debit card to withdraw cash for free at any AllPoint ATM.
  • Outgoing ACH deposit.Transfer funds to a linked bank account at your convenience.
  • Debit card. Use your debit card to withdraw from an ATM or make purchases online or in stores.
  • Cash back at participating retailers. You can ask for cash back at retail stores if you need cash in hand.

How to contact Kinly customer service

If you have questions or need help with your account, you can reach a Kinly support specialist in the following ways.

  • Call 833-332-4323 for customer support.
  • Email
  • Send mail to: 976 Brady Ave NW, Suite 100, Atlanta, GA 30318.
  • Send a secure message to a support specialist by tapping the Contact Us icon in the app.
  • Reach out via social media at Facebook, Twitter, LinkedIn or Instagram.

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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