Business Value Checking

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A full-service account focused on efficiency

Sometimes the best move is to send a check. Other times, a debit card is a better option. And these days, more and more business is being transacted with electronic payments. At KEMBA Financial Credit Union, we don't try to tell your business how to manage its money. But we do provide all the solutions needed to take care of your finances quickly and efficiently, 24 hours a day.

  • $100 minimum opening deposit
  • $10 monthly fee waived with $500 average daily balance or KEMBA Advantage status1
  • Mastercard® debit cardincluded
  • Deposit checks from anywhere with Remote Deposit
  • Tap into your checking account at more than 50,000 non-KEMBA surcharge-free ATMs nationwide
  • Get an instantly issued KEMBA Mastercard Debit Card for fast, easy purchases
  • 24/7 Digital Banking
  • Electronic Bill Pay3
  • Instant Access telephone banking
  • 200 monthly transactions (After that, $0.25 per item)
  • $25 fee if account closed within 6 months of opening

Item 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

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.


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1Monthly fee for Business Value Checking is waived with KEMBA Advantage status. 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.

2Debit 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.

3Bill 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.
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