High Performance Checking

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We'll sweeten the deal by paying interest on your checking account balance

Unlimited Digital Banking. A Mastercard Debit Card. Thousands of surcharge-free ATMs. That's a pretty strong list of attractive features. But we want High Performance Checking to score a perfect "10" in the eyes of our members, and so we added multiple tiers of money-making potential.

Tiered Rate Structure1

The concept is simple: The bigger your balance, the more you can earn in this interest-bearing checking account. In all, we have seven different rate tiers.

  • $0 - $999.99
  • $1,000 - $9,999.99
  • $10,000 - $24,999.99
  • $25,000 - $49,999.99
  • $50,000 - $99,999.99
  • $100,000 - $249,999.99
  • $250,000 & up

Overall, you get more from High Performance Checking:

  • No monthly fees when an average daily balance of $1,000 or more is maintained in checking2
  • Lower average balances result in a $8.95 monthly fee
  • 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 waivers3
  • Tap into your 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
  • Get one step closer to Advantage status4, go green and get up-to-date account information with monthly eStatements.
  • Enjoy free 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

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 Tiered Variable Rates only apply when you maintain an average daily balance required for each interest rate. Rates may change after opening. For current dividend rate and corresponding Annual Percentage Yield (APY), refer to the current rates page.
2 Other service fees may apply. Fees could reduce earnings. Overdraft, transfer, and NSF charges apply when applicable. Click here for our fee schedule.

² 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.
4 For information on how to qualify for Advantage membership, click here.

For full Membership Agreement and Disclosures, please click here.

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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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