COVID-19 Updates

A Message from Mark Decello, President & CEO of KEMBA Financial Credit Union

With all the developing news surrounding COVID-19, it can feel overwhelming and stressful. I want to reassure you that KEMBA stands ready to assist our member-owners, as well as the communities we serve, and your money and accounts will remain safe, secure, and accessible. Please check this page regularly for updates regarding our services and operations. We will be posting information, tips, and resources as events continue to evolve. Please stay safe, and as always, thank you for being a member. 

Current Branch Operations


May 28, 2021

We are excited to announce that effective June 2nd KEMBA will be updating our COVID-19 branch protocols to comply with the new state order, which includes lifting the current mask mandate and other public health restrictions. KEMBA will no longer require vaccinated guests to wear masks while inside the branches.

Additionally, the following updates will be made:

  • Branches will resume full capacity and temperature checks are no longer required
  • Shared Branching will be available again, with service for non-KEMBA members in the lobby
  • Virtual and in-person appointments are still encouraged, which can be made here

The health & safety of our associates and members remains our top priority, as we continue to adjust to our changing environment. You will continue to see plexiglass dividers inside the branches, and we will continue our ongoing electrostatic deep cleaning protocols. Additionally, please note that our public coffee stations, restrooms and computer stations will remain closed until further notice.

If you are not feeling well, or still do not wish to visit one of our branch lobbies, you can still bank with confidence using the following methods:

  • Branch drive-thru hours for teller transactions via KITs (click here for details on services available)

Monday – Thursday: 8am – 5:30pm
Friday: 8am – 6pm
Saturday: 8am – 1pm

  • Digital Banking:  Access and manage accounts 24/7, contact us via our secure email messaging system, and more.
  • Mobile Banking:  Access accounts 24/7, virtually deposit checks, and more with your KEMBAgo app.
  • Instant Access:  Manage your accounts 24/7 via phone, 800.282.6420, option 1.
  • Online Loan Application 24/7 at
  • ATMs: Accept deposits for 24/7 convenience
  • Schedule an appointment: Book a virtual appointment over the phone or video to talk with a representative. Or you can call your preferred branch to schedule.
Bellefontaine 937.595.0933
Clintonville 614.528.4460
Gahanna 614.528.4461
Grove City 614.528.4462
Hilliard 614.528.4463
Pickerington 614.528.4464
Powell 614.528.4465
Reynoldsburg 614.528.4466
Westerville 614.528.4467
Whitehall 614.528.4468

For full information regarding our lobby updates, please click here.

July 23, 2020

The state of Ohio issued a mandate regarding the use of masks in public places to slow the spread of the coronavirus. This has, in turn, affected the requirement for mask usage in our branches. As of 6:00pm on July 23, members and visitors will now be required to wear a mask upon entering any branch lobby.

For your convenience, single-use masks will be available at each branch. KEMBA will be following the same exceptions to wearing a mask as listed by Ohio and local mandates, which include any medical or behavioral condition or disability, children under 10 years of age, or communicating with someone who is hearing-impaired. As provided by the Ohio Department of Health, the mandate for masks does not apply when:

  • The individual is under ten years of age;
  • A medical condition, including those with respiratory conditions that restrict breathing, mental health conditions, or disability contraindicates the wearing of a facial covering;
  • The individual is communicating or seeking to communicate with someone who is hearing-impaired or has another disability, where the ability to see the mouth is essential for communication;
  • The individual is alone in an enclosed space, such as an office, and which space is not intended for use or access by the public;
  • The individual is actively engaged in exercise in a gym or indoor facility so long as six or more feet of separation between individuals exists;
  • The individual is actively participating in athletic practice, scrimmage, or competition that is permitted under a separate Department of Health order;
  • The individual is actively engaged in a public safety capacity, including but not limited to law enforcement, firefighters or emergency medical personnel;
  • The individual is seated and actively consuming food or beverage in a restaurant or bar;
  • Facial coverings are prohibited by law or regulation;
  • Facial coverings are in violation of documented industry standards;
  • Facial coverings are in violation of a business’s documented safety policies;
  • Individual is actively participating in broadcast communications; or m. Individual is an officiant of a religious services.

To review the full mandate and for state updates, please visit

KEMBA will continue with additional precautions including temperature checks and questions regarding potential exposure prior to entry, as well as requiring social distancing while at the branch.

Back to top

Locating Information & Services

To easily locate information and services, please use this quick reference guide. Please click the image for a larger version. For the most recent information on the Financial Relief Solutions available to you, please click here.

Back to top

Banking from Home

We are currently experiencing increased wait times at our drive-thru KITs and ATMs, as well as when calling Member Services. We appreciate your patience and want to make sure you know that many of your banking needs can be met in the comfort of your own home by using Digital Banking, as well as Instant Access (Telephone Banking). All three options let you securely access your accounts 24/7, with no wait time.

With Digital Banking you can:
• Access all your accounts
• Transfer funds
• Set up Bill Pay
• Make payments
• Use our secure email system
• And more
For more information on how to enroll, click here.

With Mobile Banking you can:
• Check your balances
• Virtually deposit checks
• Transfer money between KEMBA accounts
• And more
Download the KEMBAGo app to your smartphone or tablet by visiting the Apple App Store or Google Play.

With Instant Access you can:
• Check your accounts
• Transfer funds
• Request check withdrawals
• And more
Call 800.282.6420, option 1, to use it today. For more information about Instant Access, click here.

Digital Banking, as well as Instant Access, work with your schedule and are convenient, safe alternatives to waiting in line at the drive-thru or holding on the phone.

Back to top

Financial Relief Solutions – Individuals 

KEMBA Relief Solutions

During these challenging times, you can rely on KEMBA as your partner for financial peace of mind. We stand ready to assist you with a variety of financial relief solutions that may help reduce any financial strains you may be experiencing during the COVID-19 outbreak. Please click here to learn more about the individual solutions KEMBA is offering to help you build financial stability.

We also encourage members who are looking for additional financial resources to consider applying for state and local assistance. The Ohio CARES Act has allocated additional funds through the Ohio Home Relief Program to help qualified residents with rent, mortgage or utility assistance through 12/30/20. To see if you qualify and to apply, please refer to the following resources:

  • Franklin County residents: call 866-747-1038, or visit to learn more and apply
  • Logan County residents: call 937-404-9203, or visit: to learn more and apply

Government Stimulus Checks

Many of you may soon be getting a stimulus check, and as your financial partner, we want to ensure you are protecting your financial health during these uncertain times. There are many ways to use your stimulus money, and it’s important to evaluate the options to see what makes the most sense for you and your family. Here are some tips that may help:

1. Beware of fraud
With checks arriving, the potential for fraud increases. For information regarding stimulus check fraud click here . To reduce the chance of fraud, it is recommended that you set up direct deposit with the IRS, click here for more information regarding IRS payments.

2. Plan before spending
Before spending any of the money, create a plan, starting with the essentials:

• Cash levels already in your emergency fund or other liquid accounts
• Food, household supplies, and other provisions
• Mortgage, rent, car payments, utility and other critical bills

3. Fund an emergency savings account 
If you can afford to, put some of this money into an existing or new emergency fund so the money is there when you need it most.

4. Make a new budget
Stretch your stimulus check as much as possible by updating your budget  and monthly spending plan.

5. Pay off high-interest credit-card and other loan debt
Consider using part of the stimulus check to pay down high interest credit cards and other loan debt. This can help save you money and free up some cash flow in the long run. If you’re low on cash, consider paying just the minimum for the next few months; but, be aware that this will likely cost you more in interest in the long-term.

6. Make sure you’re earning the most you can on your money
Now is the time to make sure you’re making as much interest as you can on your various savings accounts, as every penny counts right now.

Back to top

Financial Relief Solutions – Small Businesses

KEMBA knows that now, more than ever, having the right financial resources to help support your business is vital. As always, we stand ready to assist with your business banking needs, ranging from business loans and credit cards to business checking accounts. If you have questions, need assistance, or are interested in becoming a business member at KEMBA, please reach out to a Business Services Representative at 614.729.1321 or

In addition to the business resources KEMBA has to offer, please be aware that there are relief programs available through the State of Ohio and other government organizations to help financially support your businesses during this time. Governor DeWine has allocated funding from the federal CARES act to help provide additional support for small businesses such as bars and restaurants, theaters, bowling alleys, and sports and concert venues. To learn more and review the full list of grants and funds available to small businesses, please visit


May 5, 2021 

The Small Business Administration made an announcement stating that Paycheck Protection Program (PPP) funding has been exhausted, and as a result, KEMBA can no longer accept new PPP applications at this time. Please also note that KEMBA is still happy to assist with your PPP Loan Forgiveness Applications.

For the latest information, please visit the SBA website and KEMBA’s Small Business Solutions page here.

Back to top

COVID-19 Scams & Fraud

In times of fear and uncertainty, scammers worldwide are looking to take advantage of consumer insecurity and generosity. At KEMBA Financial Credit Union, we are not only committed to protecting the health of our members and associates amid the spread of the coronavirus (COVID-19), but as a financial cooperative we also want to ensure their financial well-being.

With a growing number of reported scams centered around the coronavirus, here are a few tips to help protect your private information and your finances:

  1. Keep your anti-virus and anti-malware software up to date.
  2. Avoid clicking on links from unknown sources, especially within emails and in advertisements.
  3. Look out for advertisements or emails asking for an upfront investment.
  4. Contact a trusted medical professional for questions about prevention and treatment of coronavirus.
  5. Research aid organizations and charities prior to donating. Use a source like to help identify legitimate organizations.

The Federal Trade Commission (FTC) website has more tips and information about emerging and existing scams. If you suspect a scam, the FTC advises that you report it to them at

COVID-19 Resources

For more on coronavirus locally and nationwide, below are a few federal, state, and local resources to help keep you informed.

Federal Resources:

The Centers for Disease Control:

World Health Organization:

State Resources:

Ohio Department of Health:

ODH Hotline: 1-833-4ASKODH (1-833-427-5634)

County Resources:

Delaware General Health District:

Fairfield Department of Health:

Franklin County Public Health:

Licking County Health Department:

Logan County Health District:

Madison County Public Health:

Union County Health Department:

Back to top

Email Communications

A message from Mark Decello, President & CEO

Dear Members,

At KEMBA Financial Credit Union our members and associates come first; for that reason, we are committed to protecting our members and associates in the event of a widespread local coronavirus (COVID-19) outbreak.

As the circumstances surrounding the coronavirus (COVID-19) continue to evolve, KEMBA is closely monitoring the situation. KEMBA is relying on information from the World Health Organization (WHO), the Centers for Disease Control (CDC), and Federal, State and local health officials to assess the risk levels and the potential health-related impact to our members and associates.

At the same time, we’ve enhanced our cleaning services and are providing hand sanitizer stations at each of our branch locations and in our home office. We also want you to know that KEMBA has a business continuity plan in case of a pandemic, as well as natural disasters, or other situations; this plan ensures uninterrupted access to your funds and accounts.

Fortunately, right now, KEMBA continues to operate as normal, and we will provide updates if operations in our branches or other services are impacted. Please also check for the most current information.

Just as a reminder, if you would prefer not visiting a branch, you can access your accounts 24/7 via Digital Banking or Instant Access via the phone by calling 800.282.6420, option 1.

If you have not set-up Digital Banking and would like to do so, please click here for more information and instructions on how to get started.

Thank you for your membership and we look forward to continuing to serve your banking needs.


Mark Decello
President & Chief Executive Officer

Back to top

We exist to enrich the financial lives of our members and associates and will do so with passion, empathy, and integrity

KEMBA’s Mission Statement

Compare checking accounts

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