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Quick Fact
Credit scores are based on the information in your credit reports. This information includes, but isn’t limited to:
  • Your payment history
  • How much money you currently owe
  • How long your accounts have been open
  • What type of credit you use
  • How much credit you use compared to the amount of credit you have available
  • How often and how recently you’ve applied for credit

Checking


As a business owner, you are always looking for ways to keep costs down. KEMBA provides you with the tools you need to easily and affordably manage your small business finances. Select from a variety of checking options.

Business Value Checking Business Smart Checking (Interest Bearing)
Minimum Balance to Open $100.00 $100.00
Monthly Service Charge $10.00 $10.00
Average Daily Balance Required to Avoid Monthly Service Charge $250.00 $5,000.00
Free Transaction Items per Month 200 500
Per Transaction Item Fees $0.25 each item over 200 $0.15 each item over 500
Minimum Average Daily Balance to Earn Dividends N/A $5,000.00
Dividend Frequency N/A Monthly
Dividend Payment Calculation Method N/A Average Daily Balance
Dividends Paid On N/A Entire Account Balance
Early Account Closure Fee (If closed within 90 days of account opening) $15.00 $15.00
Debit Card FREE* FREE*
CU Online Banking Access FREE FREE
Online Bill Pay FREE** FREE**
Instant Access (Automated Teller) FREE FREE

*Debit card transactions are subject to per item transaction guidelines when used at a point of sale. When used at an ATM, transactions are subject to the guidelines outlined in the relationship fee schedule.
**Online Bill Pay transaction items are included in the free transaction items per month. Once the free transaction limit is reached, Bill Pay transactions are subject to per transaction item fees.