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

As some of the COVID-19 restrictions are lifted from Ohio’s businesses, our branch lobbies are now open and to serve you in a responsible manner, we have implemented several changes to help ensure everyone’s safety.

To make your visit as smooth as possible, we encourage you to:
Know the branch hours
• Branch hours are posted on our website here. The first hour of the day in lobbies is reserved for members who are 60 or older and those with special medical needs.
Save time when you arrive at the branch
• We will be limiting how many people can be in a branch at the same time. Since we value your time, we encourage you to make an appointment in advance to avoid potential waits. For branch phone numbers and information on how to make an appointment click here.
• When the branch is at capacity, members and guests must wait outside utilizing 6-foot social distancing guidelines.
• Please keep the number of people accompanying you to an essential minimum.
• Before entering, we will be asking you basic health questions and taking your temperature.
• Restrooms and coin machines remain closed.
Wear a mask
• Your health is our top priority. You will see us in masks, and we hope you will wear one, too. If we ask that you lower it so we can verify your identity, we promise to be quick about it.
•If you left your mask at home, just let us know and we will give you a single-use mask.
Practice social distancing
• We are looking forward to serving you face-to-face, but we are also practicing social distancing. To make it easier, the sidewalks and lobbies are marked in 6-foot increments; this also prohibits handshaking.
Rest assured we are taking steps to protect your health
• New barriers have been installed; please refrain from touching or reaching around them.
• We have implemented enhanced cleaning and sanitization procedures.
• There is a designated associate to clean high-touch objects after each use.
Stay home if you can
• 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.
• Our drive-thrus will continue to operate as normal.


For full information regarding our lobby closures, and details on how to make in-branch appointments, please click here.


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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




April 27, 2020

KEMBA Financial Credit Union is excited to once again be accepting applications for the Paycheck Protection Program (PPP) loans as part of the CARES Act. We have included detailed information about the materials you will need to apply, as well as a direct link to the application portal here.

For additional resources to help support your business during this time, both SCORE (Society of Retired Executives) and Small business Development Center – Ohio share advice that may be beneficial to you.


May 10, 2020

The Small Business Administration (SBA) and the Treasury Department extended the “safe harbor” period for the CARES Act Paycheck Protection Program (PPP) to May 14.
Borrowers can use this additional time to return already issued funds if they are unable to certify were necessary because of the current economic situation, or that the monies are no longer needed due to finding alternative sources of liquidity.
For full details on the SBA’s extension to the interim final rule, please visit


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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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