Fresh Start Checking

Personal Checking

Fresh Start Checking

If you’ve found it difficult to obtain a checking account or may need a second chance with your finances, this may be the account for you.

  • No minimum balance requirement

  • Unlimited check writing

  • Instantly issued KEMBA Debit Card

  • Free and unlimited use of Online & Mobile Banking

  • Free and unlimited use of KEMBA ATMs1

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

  • Use of more than 50,000 surcharge-free ATMs nationwide

  • Free Bill Pay

  • Free eStatements

  • A starter check package available upon request.

There is a Fresh Start monthly fee2, but you determine the amount:

  • $8.95/month when you have direct deposit of your entire payroll, pension, or social security check (at least $500/month) to your account OR
  • $10.95/month without direct deposit to KEMBA

You can switch to a Hassle-Free Checking account after you have met one of the following conditions:

  • 12 consecutive months with less than 12 non-sufficient funds (NSFs) notices –OR–
  • 6 consecutive months with less than 6 NSFs and completion of a Money Management course.


  • Automatic transition after 24 months

1All 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.


1Overdraft, transfer, and NSF charges apply when applicable. Click here for our fee schedule.


For full Member Agreements and Disclosures, click here.

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