Do more with your money.


The KEMBA Advantage

Earn more, save more!
When you use KEMBA as your Primary Financial Institution, you will become a KEMBA Advantage member. As an Advantage member you can do more with your money and get even more out of your membership! Advantage members receive bonuses on most deposits, and a rate reduction on most loans.

KEMBA Advantage members receive:

Hassle-Free Checking, with no monthly fee

Business Value Checking, with no monthly fee
Advantage rate discounts on most loans

  • Fixed-rate home equity loans & variable rate home equity lines-of-credit
  • Vehicle loans
  • Personal loans
  • Recreational vehicle loans
Advantage rate bonus on most deposits

  • Certificates
  • IRA Certificates
  • Money Market Accounts
  • High Performance Checking
  • Primary savings account
  • Secondary savings account
  • Christmas Club accounts
Many free services and virtually all fees waived

  • Free ACH and check stop payments
  • Free signature guarantees
  • No first mortgage loan document processing fee
  • And more!
One free box of checks each year
8 free non-KEMBA ATM transactions per month (all KEMBA ATMs are free)



How to qualify1:

1. An active KEMBA checking account with at least 15 qualifying transactions per month

  • Bill payment
  • Cleared check
  • Virtual Deposit
  • Debit Card transaction
  • Automatic deposit or withdrawal
  • Electronic loan payment made from your KEMBA checking account


2. Direct Deposit of your entire payroll, Social Security, or pension check to KEMBA


3. eStatements
Plus, when at least one of the members in your household qualifies for the KEMBA Advantage program, your entire household will receive the benefits of Advantage membership! 

1To earn KEMBA Advantage member status, the following requirements must be met each month: (1) Have an active checking account and make at least 15 qualifying transactions, which include any combination of the following: cleared checks, Debit Card transactions, online bill payments, electronic loan payments made from your KEMBA checking account, automatic deposits or withdrawals, and Virtual Deposits; (2) Have Direct Deposit of your entire payroll, Social Security, or pension check (minimum of $1,000/month); (3) Receive eStatements. If you meet the qualifications during a given calendar month, you will enjoy KEMBA Advantage benefits the next month. Members with a KEMBA business relationship can enjoy Advantage benefits for both your personal and business accounts when you meet the following requirements: (1) Make monthly deposits of at least $2,000 into your  business checking or personal checking account; (2) Have at least 15 qualifying checking transactions into your business checking or personal checking, which include any of the following: cleared checks, Debit Card transactions, online bill payments, electronic loan payments made from your KEMBA checking account, automatic deposits or withdrawals, and Virtual Deposits; (3) Receive eStatements. Loan rate discount and Certificate rate bonuses available only to KEMBA Advantage members meeting program requirements for the full life of the loan or Certificate; otherwise the rate will be adjusted. Actual rate bonuses and discounts will vary and are subject to change. Free box of checks is limited to standard Regal check design. KEMBA reserves the right to change or cancel this program at any time. KEMBA membership required.

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