Business Checking

A man sitting at a desk typing on a laptop with a headset on.

A better way to manage
your business finances.

KEMBA Business Checking

KEMBA offers two types of business checking accounts – Business Value and Business Smart. Both account types provide the access and tools you need to run your business, we can help you pick the one that meets your unique needs. The Business Smart Checking account is interest-bearing and offers better overall value for businesses with larger transaction volumes.

With a KEMBA business checking account, you’ll get all the benefits you would expect from a business banking account and personalized services to help you navigate your options:
  • Mastercard® Debit Card1
  • Digital Banking Access
  • Electronic bill pay and instant access2
  • & More

Plus, when your business qualifies for KEMBA Advantage3, you are eligible for interest rate bonuses. Get started and open a business checking account today with as little as $100.

Compare Business Checking Accounts

Features Business Value Checking
Business Smart Checking
(Interest Bearing)
Minimum balance to open $100.00 $1,000.00
Monthly service charge $10.00 $10.00
Average daily balance required to avoid monthly service charge $500.00 $5,000.00
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 6 months of account opening) $25.00 $25.00
Debit Card Included Included
Digital Banking access Included Included
Bill Pay Included Included
Instant Access (telephone banking) Included Included

Take a Closer Look

Review our business checking account options and pick the one that fits your business needs.
focused on efficiency

Business Value Checking

We do provide all the solutions needed to take care of your finances quickly and efficiently, 24 hours a day.
interest-earning checking

Business Smart Checking

We can give your bottom line an extra boost with an interest-earning checking account. 
  • Earn competitive interest with minimum average daily balance of $5,000
  • 24/7 Digital Banking
  • Tap into your checking account at more than 50,000 non-KEMBA surcharge-free ATMs nationwide

Learn More About Business Banking

To learn more about Business Banking & Commercial Loans, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.


Our Team is
Here to Help

P: 800.282.6420

Speak With Our Experts

1Debit 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.

2Bill Payments 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.
3 To earn KEMBA Advantage member status, the following requirements must be met each month: (1) Have an active checking account and make at least 15 qualifying transactions, which include any combination of the following: cleared checks, Debit Card  transactions, bill payments, electronic loan payments made from your KEMBA checking account, Virtual Deposits, and automatic deposits or withdrawals; (2) Have Direct Deposit of your entire payroll, Social Security, or pension check (minimum of $1,000/month); (3) Receive eStatements. If you meet the qualifications during a given calendar month, you will enjoy KEMBA Advantage benefits the next month. Members with a KEMBA business relationship can enjoy  Advantage benefits for both your personal and business accounts when you meet the following requirements:
(1) Make monthly deposits of at least $2,000 into your business checking or personal checking account; (2) Have at least 15 qualifying checking transactions into your business checking or personal checking, which include any of the following: cleared checks, Debit Card transactions, bill payments, Virtual Deposits, and automatic deposits or withdrawals; (3) Receive eStatements. Loan rate discount and Certificate rate bonuses available only to KEMBA Advantage members meeting program requirements for the full life of the loan or Certificate; otherwise the rate will be adjusted. Actual rate bonuses and discounts will vary and are subject to change. Free box of checks is limited to standard Regal check design. KEMBA reserves the right to change or cancel this program at any time. Visit our Advantage page for more information. KEMBA membership required.

smiling elderly man
Business Resources

Looking for resources for your business?

KEMBA provides the tools and financial solutions business owners need to manage their business’s finances.

Find out more

Become a member

Come see why we're a better way to bank.

Get started