Fresh Start Checking

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Get back on your feet and start moving forward

Perhaps you had a run of bad luck - or got overwhelmed by debt. It happens. And now it's time to bounce back. At KEMBA Financial Credit Union, we believe in second chances. That's why we offer a checking account that has everything needed for a financial fresh start.
  • Designed for those who have had trouble qualifying for traditional checking accounts in Ohio
  • No minimum balance requirement
  • Unlimited check-writing
  • Instantly issued Mastercard Debit Card
  • Unlimited use of Digital Banking
  • Free and unlimited use of KEMBA ATMs¹
  • Account access at more than 5,500 Shared Branch locations nationwide
  • Use of more than 50,000 surcharge-free ATMs nationwide
  • Electronic Bill Pay and eStatements
  • Get one step closer to Advantage status for exclusive rate bonuses and discounts
  • Complimentary access to local financial counseling and money management tools to help you stay on track

Monthly Fee²

You can take steps to reduce the cost.
  • $8.95/month: If you have Direct Deposit of your entire payroll, pension, or Social Security check (at least $500/month) to your account
  • $10.95/month: Without direct deposit to KEMBA

The Next Step

You can switch to a Hassle-Free Checking account, with no monthly service fees2, after you have met ONE of the following conditions:
  • Have less than 12 non-sufficient funds (NSFs) notices or Courtesy Pay’s (combined total) in a 12-month period
  • Or have less than 6 NSFs or Courtesy Pay’s (combined total) in a 6-month period and attend our money management course
  • Or automatic transition after 24 months

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.


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¹ All 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.

² Overdraft, transfer, and NSF charges apply when applicable. Click here for our fee schedule.
KEMBA membership required. Click here to learn more about Advantage status. For full Member Agreements and Disclosures, click here.

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Earn more save more

Get more perks as a KEMBA Advantage member.

Use KEMBA as your primary financial institution to enjoy rate bonuses on deposits and discounts on loans. Earn more, save more!

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