A better way to manage
your business finances.


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:


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


Contact us to learn about banking at KEMBA!


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Business Value Checking Business Smart Checking
(Interest Bearing)
Minimum balance to open $100.00 $100.00
Monthly service charge $10.001 $10.00
Average daily balance required to avoid monthly service charge $500.00 $5000.00
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 $5000.00
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) $25.00 $25.00
Debit Card FREE2 FREE2
Digital Banking access FREE FREE
Bill Pay FREE3 FREE3
Instant Access (telephone banking) FREE FREE

Learn More About KEMBA Business Checking Accounts

  • To learn more about opening a KEMBA business checking account, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.
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Become a Member Today!

At KEMBA Financial Credit Union, we offer business banking solutions for Central Ohio businesses, designed to help your business grow. Our low fee checking and savings accounts help you manage and save your money, and our business loans and Premier Business Visa provide access to money to fuel your company’s growth. We also offer KEMBA memberships as a perk for your employees, which gives them access to KEMBA’s personal banking services and our library of financial literacy tools and financial counseling.


It’s easy! To learn more, call us at 614.235.2395, option 4, or visit one of our ten local branches in Pickerington, GahannaBellefontaine, ClintonvilleGrove City, HilliardPowellReynoldsburgWesterville or Whitehall. Our dedicated associates will help you navigate your business financial situation and help you discover why KEMBA is a better way to bank.

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 signature transactions, bill pay, 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 signature transactions, bill pay, 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. Click here 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 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.

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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No