Hassle-Free Checking with No Monthly Service Fee

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Apply for a Hassle-Free Checking Account

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Your choice for simple, everyday spending checking account

In a complex world, we're all looking for ways to make our lives easier. When it comes to everyday money management, you've come to the right place. Our Hassle-Free Checking option comes with no monthly service fee and features 24/7 Digital Banking, a free KEMBA Debit Card, zero fees at thousands of ATMs - and a total convenience factor that approaches infinity.
  • Your account for everyday banking needs
  • No monthly service fee1
  • Anytime access to Digital Banking for money management
  • Deposit checks from anywhere with Remote Deposit
  • Free and unlimited use of KEMBA ATMs and select ATM fee waivers2
  • Tap into your KEMBA Financial Credit Union checking account at more than 50,000 non-KEMBA surcharge-free ATMs nationwide
  • Get an instantly issued KEMBA Mastercard Debit Card for fast, easy purchases and earn rewards for your everyday spending
  • Get one step closer to Advantage status, go green and get up-to-date account information with monthly eStatements.
  • Become a KEMBA Advantage Member for exclusive rate bonuses and discounts3
  • Move forward with confidence by taking advantage of our complimentary financial counseling and education resources
  • Enjoy free checking account access at more than 5,500 Shared Branch locations nationwide
  • Advantage members receive one free box of checks per year, otherwise check prices are at cost, and vary by design.



Tiered Share & Savings


Product Savings Tiers to Earn APY KEMBA Advantage APY Everyday APY
High Performance Checking $0.01 – $999.99 0.15% 0.05%

$1,000 – $9,999.99 0.15% 0.05%

$10,000 – $24,999.99 0.20% 0.05%

$25,000 – $49,999.99 0.20% 0.05%

$50,000 – $99,999.99 0.20% 0.05%

$100,000 – $249,999.99 0.30% 0.15%

$250,000 and greater 0.30% 0.15%
Health Savings Account $0.01 – $2,499.99 0.55% 0.25%

$2,500 – $9,999.99 0.55% 0.25%

$10,000 – $24,999.99 0.85% 0.50%

$25,000 and greater 0.85% 0.50%
 
APY = Annual Percentage Yield. Share Savings, Christmas Club, High Performance Checking, and Health Savings Accounts are variable rate accounts. Tiered rates only apply when you maintain the average daily balance required for each interest rate. Rates subject to change without notice. Fees may reduce earnings. Advantage status required to earn higher rates. Click here for more on achieving Advantage status. Certificates and Term IRAs may have penalties charged for early withdrawals.



















Learn More About Checking

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

 










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Our Team is
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At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.
Disclosures
1Overdraft, transfer, and NSF charges apply when applicable. Click here for our fee schedule.
2All KEMBA members receive 4 free non-KEMBA ATM transactions, Advantage members receive 8 free non-KEMBA ATM transactions, and students under the age of 24 receive 6 free non-KEMBA ATM transactions.
3Learn more about the requirements of becoming an Advantage member by clicking here.
For your convenience, a full copy of your Membership Disclosures can be found at kemba.org, obtained at one of our convenient branches, or requested by contacting us at 614.235.2395 or 800.282.6420, option 4.

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Student Loans

A better way to finance your education! 

KEMBA offers low-rate student loans to fill the gaps between a federal loan and tuition, graduate student loans, and refinancing for both private and federal student loans
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