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A better way to make your money work for you.

a Better Checking Account

All Checking Accounts Feature:

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Use of 50,000+ surcharge-free ATMs nationwide
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Free access at more than 5,500 Shared Branching locations nationwide
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Free and unlimited use of Digital Banking
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Free Bill Payments
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Instantly issued Debit Cards available
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ATM Fee Waivers
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Free and unlimited check writing
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Free and unlimited use of KEMBA ATMs
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Free use of your KEMBA Debit Card
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Free eStatements

Get More From Your Personal Checking Account at KEMBA

Your checking account is the foundation of your finances. You can rely on KEMBA to provide you the options and guidance to select the one that meets your needs. All KEMBA personal checking accounts include free digital banking, as well as surcharge-free ATM access to over 50,000 ATMs and 5,500 shared branches to do your banking—all with no minimum balance requirements. And that’s just the start.

No monthly fees

Hassle-Free Checking

  • No monthly service fee* 
  • A straight-forward and trouble-free account
Get rewarded

High Performance Checking

  • Tiered dividends (interest rates) reward those who keep high account balances
ages 14-17

Elements Checking for Teens

  • No monthly fee*
  • No minimum balance requirement

Second chance

Fresh Start Checking

For those who have experienced past financial hardships
  • Fee is only $8.95/mo when you have direct deposit of at least $500/mo to your account
  • No minimum balance requirement
Instantly issued debit card

KEMBA’S Mastercard Debit Card

Instantly issued Mastercard Debit Cards are available with every checking account and earn rewards for your everyday spending.

Learn more about the benefits associated with our Debit Card.

get checks

Reorder Checks

To reorder checks, log in or register for KEMBA’s Digital Banking and choose the Check Services tab from the menu near the top of the page.

Learn More About Checking

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


Open an Account

Speak With Our Experts

*Overdraft, transfer, and NSF charges apply when applicable. For your convenience, a full copy of your Membership Disclosures can be found at, obtained at one of our convenient branches, or requested by contacting us at 614.235.2395 or 800.282.6420 option 4.

 Become a member

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

Open an account