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 Online & Mobile Banking

Free Online Bill Pay

Instantly issued Debit Cards available

No minimum balance requirement

Free and unlimited check writing

Free and unlimited use of KEMBA ATMs

Free and unlimited use of your KEMBA Debit Card

Free eStatements

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
  • No minimum balance requirement


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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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Reorder Checks

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


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At KEMBA Financial Credit Union, we offer several different checking account options for Central Ohio residents. New members can conveniently open checking accounts online, and accounts can be easily managed with online and mobile banking, making it “A better way to bank.” You can also stop by one of our locations in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hilliard, Powell, Reynoldsburg, Westerville or Whitehall for personal service to compare checking accounts with one of our associates.

Compare checking accounts

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