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 chance banking. That's why we offer a Fresh Start 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
