High Performance Checking

Personal Checking

High Performance Checking

This interest-bearing checking account is designed for the member who tends to keep a higher checking account balance.

  • Tiered Variable Rates:1,3

    1. $0 - $999.99
    2. $1,000 - $9,999.99
    3. $10,000 - $24,999.99
    4. $25,000 - $49,999.99
    5. $50,000 - $99,999.99
    6. $100,000 - $249,999.99
    7. $250,000 & up
  • No monthly fees when an Average Daily Balance (ADB) of $1,000 or more maintained in checking.2

  • Without meeting the above requirement there is a $8.95 monthly fee.

  • Receive a starter check package upon request.

  • Advantage members receive one free box of checks per year, otherwise check prices are at cost and vary by design.

  • Free and unlimited use of Digital Banking.

  • Free and unlimited use of KEMBA ATMs and select ATM fee waivers.4

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

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

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

  • Free Bill Payments.

  • Free eStatements.

Become a Member Today!View Current Rates

Schedule Appointment

1 Tiered Variable Rates only apply when you maintain an average daily balance required for each interest rate. For current dividend rate and corresponding Annual Percentage Yield (APY), refer to the current rates page.


2 Other service fees may apply. Fees could reduce earnings. Overdraft, transfer, and NSF charges apply when applicable. Click here for our fee schedule.


3 This is a variable rate account. Rates may change after opening.


4 All 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.


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