Hassle-Free Checking

Personal Checking

Hassle-Free Checking

Our most convenient and popular checking account, designed with you in mind.


  • A better way to bank with unique solutions for your individual needs.

  • No monthly fees when you meet one of these requirements:1

    1. Have direct deposit of at least $500 per month to KEMBA or
    2. Maintain an average daily balance of just $500 in your checking account or
    3. Are younger than 24 years old or
    4. Are a KEMBA Advantage member
  • Without meeting one of the above requirements there is a $6.95 monthly fee.

  • Access to complimentary financial counseling and education resources.

  • Digital Banking and Remote Deposit

  • Free and unlimited use of KEMBA ATMs and select ATM fee waivers.2

  • Instantly issued KEMBA Debit Card that can be used with confidence.

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


2All 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.


3Learn more about the requirements of becoming an Advantage member by clicking here.


For full Membership Agreements and Disclosures, please 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