A better way to make your money work for you.

Welcome to a Better Checking Account

All Checking Accounts Feature:

Use of 50,000+ surcharge-free ATMs nationwide

Free access at more than 5,500 Shared Branching locations nationwide

Free and unlimited use of Digital Banking

Free Bill Payments

Instantly issued Debit Cards available

ATM Fee Waivers

Free and unlimited check writing

Free and unlimited use of KEMBA ATMs

Free use of your KEMBA Debit Card

Free eStatements

Get More From Your Personal Checking Account at KEMBA

Your checking account is the foundation of your finances. You can rely on KEMBA to provide you the options and guidance to select the one that meets your needs. All KEMBA personal checking accounts include free digital banking, as well as surcharge-free ATM access to over 50,000 ATMs and 5,500 shared branches to do your banking—all with no minimum balance requirements.  And that’s just the start.

Learn more about each type of account and apply today.

Hassle-Free Checking

No monthly fees

  • No monthly fees when you meet the requirements, otherwise just $6.95/mo (see details)
  • A straight-forward and trouble-free account


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High Performance Checking

Get rewarded

  • Tiered dividends (interest rates) reward those who keep high account balances


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Elements Checking

For those ages 14-17

  • No monthly fee
  • No minimum balance requirement


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Fresh Start Checking

For those who have experienced past financial hardships

  • Fee is only $8.95/mo when you have direct deposit of at least $500/mo to your account
  • No minimum balance requirement


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KEMBA’S Mastercard Debit Card

Instantly issued Mastercard Debit Cards are available with every checking account.

Learn more about the benefits associated with our Debit Card.


Learn More

Reorder Checks

To reorder checks, log in or register for KEMBA’s Digital Banking and choose the Check Services tab from the menu near the top of the page.


Log In

Ready to apply? Click below to go to our online application.


Open an Account Online


Still not sure? Click below to schedule an appointment.


Schedule Appointment

Learn More About KEMBA Checking Accounts

  • To learn more about opening a KEMBA checking account, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.
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Become a Member Today!

At KEMBA Financial Credit Union, we offer business banking solutions for Central Ohio businesses, designed to help your business grow. Our low fee checking and savings accounts help you manage and save your money, and our business loans and Premier Business Visa provide access to money to fuel your company’s growth. We also offer KEMBA memberships as a perk for your employees, which gives them access to KEMBA’s personal banking services, our library of financial literacy tools and financial counseling.

It’s easy! To learn more, call us at 614.235.2395, option 4, or visit one of our ten local branches in PickeringtonGahannaBellefontaineClintonvilleGrove City, HilliardPowellReynoldsburgWesterville 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.

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Hassle-Free C... High Performa... Fresh Start
Tiered interest rates No No
Earn monthly dividends No No No
Free rewards package No No No