An account to help rebuild your finances
Perhaps you had a run of bad luck - or got overwhelmed by debt. It happens. And now it's time to bounce back and rebuild your banking history. At KEMBA Financial Credit Union, we believe in second chance banking and in offering checking accounts for bad credit. That's why we offer a Fresh Start Checking account that has everything needed for a financial fresh start.
Key Benefits of Second Chance Banking
- Second chance bank account designed for those who have had trouble qualifying for traditional checking accounts in Ohio
- Checking account with no minimum balance requirement
- Unlimited check-writing
- Instantly issued KEMBA Debit Mastercard
- 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
There is no minimum balance requirement, and you can reduce your monthly cost with qualifying direct deposit, here's how:
- $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
