A better way to manage
your business finances.



Select a checking account to meet your small business needs. Plus, when your business qualifies for KEMBA Advantage, it is eligible for rate bonuses and loan discounts.



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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
Online Banking access FREE FREE
Online Bill Pay FREE3 FREE3
Instant Access (telephone banking) FREE FREE

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, online 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 signature transactions, online 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. 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.


3Online 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.

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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