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

August 21, 2020


We are excited to announce that we are re-opening our branch lobbies beginning Monday, August 24.


Safety remains our top priority, and due to statewide mandates, it is required that you wear a mask, plus answer screening questions, and adhere to social distancing standards while visiting the branch.  For assistance beyond teller line transactions, we recommend calling ahead to make an appointment, however it is not required.


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


If you would prefer not to enter a branch, the following options remain available:

  • Online 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.
  • Branch Drive-Thrus
  • Online Loan Application 24/7 at
  • ATMs


We appreciate your flexibility, understanding, and support over the past few months as circumstances continue to evolve.


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.



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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.


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Banking from Home

The COVID-19 outbreak has required KEMBA to close our branch lobbies except for appointments only, while drive-thrus and ATMs remain open to serve you. Unfortunately, this has caused an increase in wait times at the drive-thrus and 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 Online and Mobile Banking, as well as Instant Access (Telephone Banking). All three options let you securely access your accounts 24/7, with no wait time.


With Online 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.


Online and Mobile 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.


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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.


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.


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Financial Relief Solutions – Small Businesses



September 18, 2020

Please be advised that links issued to you for your PPP Loan Forgiveness Applications are for SINGLE USE ONLY. If you exit out of the application, a new portal link will be sent to your email and the previously issued link will no longer work. A new link will be required every time you log into the portal – please do not try reusing old links.


If you are having ongoing issues, please contact for assistance.

August 7, 2020


The SBA will begin accepting Paycheck Protection Program (PPP) Loan Forgiveness Applications on Monday, August 10. As a PPP loan recipient, we want to assure you that KEMBA is working diligently to prepare for this part of the process by setting up our online portal for your PPP Loan Forgiveness Application and the necessary documents to submit your request to the SBA.


Based on the information currently available from the SBA, and to ensure the smoothest experience for you, please review the most recent information below regarding your submission. This timeframe and overall process is dependent upon the SBA, and KEMBA will provide updates as soon as we become aware.


  • KEMBA will begin testing our integration into the SBA’s platform the week of August 10.
  • Starting the week of August 17, members with a PPP loan will begin to receive an email invitation to access the new portal and submit your application in the order you were approved and closed on your PPP loan.
  • Our goal is for all members with PPP loans to have access to the portal by the end of September.
  • When received, we will carefully review the application within 60 days for submission to the SBA.
  • Once received, the SBA will have 90 days to review and approve the submission.
  • Upon approval, we will notify you promptly and await the SBA to send the funds to pay off your loan.


While KEMBA is prioritizing the loan forgiveness applications and will execute as quickly as possible, the SBA will ultimately control the process and timeframe.


Additionally, please be aware that there is currently proposed government stimulus legislation that may have an impact on the PPP Loan Forgiveness Application process, most importantly easing the requirements involved for loans under $150,000. The result of the legislation may impact the August 10 start date, so we are diligently monitoring it and will provide up-to-date information as it becomes available.


Lastly, while we understand your eagerness to complete the PPP Loan Forgiveness Application, we appreciate your continued patience while we test our system and await the pending legislation. Ultimately, our goal is to make this a seamless process for you.


Again, thanks for your patience as we wait and watch with you.



July 6, 2020

KEMBA Financial Credit Union is pleased to continue to participate in the SBA Paycheck Protection Program (PPP) now that the deadline has been extended again. In order to best serve our members, we will begin accepting new applications only from existing KEMBA members prior to June 30, 2020. Applications will be accepted through 5 pm on July 31, 2020. To begin this process, please email Please provide your full name and/or business name that holds the membership at KEMBA.

For more details on financial relief solutions for your small business during COVID-19, please click here.



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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:


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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 Online and Mobile Banking or Instant Access via the phone by calling 800.282.6420, option 1.


If you have not set-up Online and Mobile 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


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KEMBA’s Mission Statement

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