Quick Fact
Once you join the Credit Union, you may remain a member for life. Members in good standing, who maintain the share account minimum balance, can enjoy lifetime benefits at the credit union. If you change jobs, retire or move away, you can still take advantage of the great benefits KEMBA has to offer.
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Checking
As a business owner, you are always looking for ways to keep costs down. KEMBA provides you with the tools you need to easily and affordably manage your small business finances. Select from a variety of checking options.
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Business Value Checking
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Business Smart Checking (Interest Bearing)
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| Minimum Balance to Open |
$100.00 |
$100.00 |
| Monthly Service Charge |
$10.00 |
$10.00 |
| Average Daily Balance Required to Avoid Monthly Service Charge |
$250.00 |
$5,000.00 |
| Free Transaction Items per Month |
200 |
500 |
| Per Transaction Item Fees |
$0.25 each item over 200 |
$0.15 each item over 500 |
| Minimum Average Daily Balance to Earn Dividends |
N/A |
$5,000.00 |
| Dividend Frequency |
N/A |
Monthly |
| Dividend Payment Calculation Method |
N/A |
Average Daily Balance |
| Dividends Paid On |
N/A |
Entire Account Balance |
| Early Account Closure Fee (If closed within 90 days of account opening) |
$15.00 |
$15.00 |
| Debit Card |
FREE* |
FREE* |
| CU Online Banking Access |
FREE |
FREE |
| Online Bill Pay |
FREE** |
FREE** |
| Instant Access (Automated Teller) |
FREE |
FREE |
*Debit card transactions are subject to per item transaction guidelines when used at a point of sale. When used at an ATM, transactions are subject to the guidelines outlined in the relationship fee schedule.
**Online Bill Pay transaction items are included in the free transaction items per month. Once the free transaction limit is reached, Bill Pay transactions are subject to per transaction item fees. |
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