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If you can stay home, we encourage you to access your accounts online.
By visiting to access Online Banking or by downloading the Kemba mobile app on your smartphone or tablet, you’ll have secure access to your account when you need it, all from the comfort of your home. 

Here are a few of the digital features available to you with Online or Mobile Banking:

  • View account balances
  • Review history
  • Transfer funds between accounts
  • Pay bills
  • Pay loans
  • Deposit checks (mobile only)
  • Member to Member Transfer
  • View eStatements/Tax Documents

Important: Our member call center is experiencing higher than normal call volume, we appreciate your patience.

You can always submit a message to us through Online Banking, Mobile Banking or click here to submit a question to Kemba.

As Kemba Credit Union continues to monitor developments regarding the COVID-19 situation, we remain committed to the health and safety of our employees, our members and the communities we serve.

Updated March 12, 2021


Third Economic Stimulus Payment

The Treasury Department and the Internal Revenue Service has started delivering the third round of the economic stimulus payments. The vast majority of people do not need to take any action. The IRS will calculate and automatically send the economic stimulus payment to those eligible just like they did for the first and second distribution. You can check for the deposit of your third economic stimulus payment through Online Banking or the Kemba Mobile App. 
The third round of payments will be distributed automatically in the following breakdown: up to $1,400 for eligible individuals, $2,800 for couples filing jointly and up to $1,400 for each child. Similar to the first and second round of payments, the amounts begin to taper off after certain income levels.

You can visit the IRS website and click on Get My Payment to check the status of your economic stimulus payment.
Kemba Credit Union will receive multiple files of stimulus check deposits and we will process those deposits as quickly as possible but there may be some delay. Please check online banking or the mobile app to see if your stimulus payment has posted to your account. We will be sure to get the deposits in member accounts as soon as possible.

COVID Text Scam

The Internal Revenue Service, state tax agencies and the tax industry today warned of a new text scam created by thieves that trick people into disclosing bank account information under the guise of receiving the $1,200 Economic Impact Payment.

The IRS, states and industry, working together as the Security Summit, remind taxpayers that neither the IRS nor state agencies will ever text taxpayers asking for bank account information so that an EIP deposit may be made.

“Criminals are relentlessly using COVID-19 and Economic Impact Payments as cover to try to trick taxpayers out of their money or identities,” said IRS Commissioner Chuck Rettig. “This scam is a new twist on those we’ve been seeing much of this year. We urge people to remain alert to these types of scams.”

The scam text message states: “You have received a direct deposit of $1,200 from COVID-19 TREAS FUND. Further action is required to accept this payment into your account. Continue here to accept this payment …” The text includes a link to a fake phishing web address.

This fake phishing URL, which appears to come from a state agency or relief organization, takes recipients to a fraudulent website that impersonates the Get My Payment website. Individuals who visit the fraudulent website and then enter their personal and financial account information will have their information collected by these scammers.

People who receive this text scam should take a screen shot of the text message that they received and then include the screenshot in an email to [email protected] with the following information:

  • Date/Time/Timezone that they received the text message
  • The number that appeared on their Caller ID
  • The number that received the text message

The IRS does not send unsolicited texts or emails. The IRS does not call people with threats of jail or lawsuits, nor does it demand tax payments on gift cards.

People who believe they are eligible for the Economic Impact Payment should go directly to People who do not have a filing requirement but who are eligible for EIP can use a non-filers tool on until Nov. 21 to claim their payment.

Updated Fee Information

Over the past 4 months, Kemba has worked with our members to provide financial support during this pandemic. Some examples of this include: becoming a Small Business Administration “Payroll Protection Program” lender for local businesses, offering loan deferments, and waiving our Summer Skip-A-Payment loan fee.  

In an effort to provide financial relief to all of our members, Kemba temporarily suspended additional fees during the COVID-19 crisis. As the economy continues to re-open, we will resume our normal fee schedule effective August 1, 2020. The following fees will be re-instated: 

  • ATM/Debit Monthly Cardholder Fee 
  • Loan Deferment Fees 
  • Loan Late Payment Fees 
  • Non-Kemba Owned ATM Withdrawal Fees (additional ATM-owner surcharge fees may apply) 
  • Non-Sufficient Funds (NSF) Fees 
  • Overdraft Privilege Fees

Please refer to our fee schedule for a complete list of current fees.

Kemba Credit Union continues to embrace the credit union philosophy of “People Helping People” and will be here for you during this pandemic and beyond. If you need financial support or have questions, please contact us.

Kemba Branch Mask Policy

In compliance with state and local orders, masks are currently required inside all Kemba Credit Union branches. For your convenience, transactions may be conducted in our drive-thru locations.  

Kemba Lobbies Open with Occupancy Limits

We are excited to announce our lobbies are currently open with occupancy limits. We have followed guidance from public health officials to make your branch experience at Kemba Credit Union as safe as possible. Below you'll find some of the safeguards currently taking place in our lobbies.

What to expect when you arrive at a branch

  • We will be limiting our branch lobbies with occupancy limits for teller transactions. We highly encourage you to use our drive-thru or ATM if possible.
  • If you need to meet with a member service representative or a branch manager, we ask you to make an appointment in advance. To schedule an appointment at a branch, please click here. For the safety of our staff and members, we will conduct health screenings for all appointments.
  • When the branch lobby is at capacity, members and guests will be asked to wait outside and follow 6-foot social distancing guidelines.
  • Please keep the number of people accompanying you to an essential minimum.
  • Restrooms, coffee, and popcorn are currently unavailable.

Please wear a mask and help practice social distancing

  • Your health and the health of our employees is our top priority. Kemba staff will be wearing masks and we request that you wear one also. We may ask that you lower your mask briefly, so we can verify your identity.
  • We have placed floor decals 6 feet apart throughout the lobby to make sure we are all practicing social distancing.

Kemba has taken steps to protect you

  • New barriers have been installed at the teller lines and in offices; please refrain from touching or reaching around them.
  • We have implemented enhanced professional cleaning and sanitizing procedures.
  • Employees are cleaning surfaces regularly throughout the day.

If you can stay home, we encourage you to access your accounts online

  • By visiting to access Online Banking or by downloading the Kemba mobile app on your smartphone or tablet, you’ll have secure access to your account when you need it from the comfort of your home.

If you have any questions regarding our current lobby safety standards, please don’t hesitate to contact us. We will continue to keep our members up-to-date as we monitor COVID-19 and how it’s impacting our communities.

IRS is sending letters to those experiencing a delay with advance payment of employer credits

The Internal Revenue Service has started sending letters to taxpayers who have experienced a delay in the processing of their Form 7200, Advance Payment of Employer Credits Due To COVID-19.

A taxpayer will receive letter 6312 if the IRS either rejected Form 7200 or made a change to the requested amount of advance payment due to a computation error.

The letter will explain the reason for the rejection or, if the amount is adjusted, the new payment amount will be listed on the letter.

A taxpayer will receive letter 6313 if the IRS needs written verification from a taxpayer that the address listed on their Form 7200 is the current mailing address for their business. The IRS will not process Form 7200 or change the last known address until the taxpayer provides it.

For more information on the employer credits, see Employer Tax Credits.

Returning An Economic Impact Payment

Millions of eligible individuals have already received their Economic Impact Payments. Some people, including those who received a payment for a deceased individual, may be unsure whether they should return a payment.

Here is additional information about returning an Economic Impact Payment.

How should an individual return an Economic Impact Payment?

Mail the payment to the IRS address – based on the state the person lives in – as indicated in the FAQs about repayments.

When returning a paper check that was not cashed or deposited taxpayers should:

  • Write Void in the endorsement section on the back of the check.
  • Mail the voided Treasury check immediately to the appropriate IRS location.
  • Don't staple, bend or paper clip the check.
  • Include a brief explanation of why they return the check.

When returning a direct deposit or a paper check that was cashed or deposited taxpayers should:

  • Mail a personal check, money order, etc., to the appropriate IRS location.
  • Make the check or money order payable to U.S. Treasury and write 2020 EIP, and the taxpayer identification number, Social Security number or individual taxpayer identification number of the person whose name is on the check.
  • Include a brief explanation of why they are returning the Economic Impact Payment.

Taxpayers should visit Economic Impact Payment Information Center on for information on how to return or request a replacement EIP debt card. 

When returning a payment for someone who has died:

A payment made to someone who died before they received the payment should be returned to the IRS. Return the entire payment unless it was made to joint filers and one spouse is still living. In that case, return half the payment, but not more than $1,200. 

If someone can’t deposit a check because it was issued to both spouses and one spouse has died, the individual should return the check. Once the IRS receives and processes the returned payment, an Economic Impact Payment will be reissued to the surviving spouse.

The IRS encourages people to share this information with family and friends.

Where can I get more information?

The IRS will post all key information on

Unemployment Benefits Scam

In a large-scale scam erupting in the midst of the Coronavirus pandemic, imposters are filing claims for unemployment benefits, using the names and personal information of people who have not filed claims. People learn about the fraud when they get a notice from their state unemployment benefits office or their employer about their supposed application for benefits.

If this happens to you, it means someone is misusing your personal information, including your Social Security number and date of birth. Click here for steps that can help you protect your finances and your credit from the FTC.

COVID-19 Contact Tracing Text Message Scams

You’ve probably been hearing a lot about contact tracing. It’s the process of identifying people who have come in contact with someone who has tested positive for COVID-19, instructing them to quarantine and monitoring their symptoms daily. There’s no question, contact tracing plays a vital role in helping to stop the spread of COVID-19. But scammers, pretending to be contact tracers and taking advantage of how the process works, are also sending text messages. Click here to read the entire article from the FTC.

Free Weekly Online Credit Reports Through April 2021

If you’re feeling anxious about your financial health during these uncertain times, you’re not alone. That’s why the three national credit reporting agencies are giving people weekly access to monitor their credit report — for free.

Now it’s easier than ever to check your credit more often. That’s because everyone is eligible to get free weekly credit reports from the three national credit reporting agencies: Equifax, Experian, and Transunion. To get your free reports, go to The credit reporting agencies are making these reports free for the next year.

SBA Scams and Fraud Schemes

The Office of Inspector General recognizes that we are facing unprecedented times and is alerting the public about potential fraud schemes related to economic stimulus programs offered by the U.S. Small Business Administration in response to the Novel Coronavirus Pandemic (COVID-19). The Coronavirus Aid Relief and Economic Security Act (CARES Act) the largest financial assistance bill to date, includes provisions to help small businesses. Fraudsters have already begun targeting small business owners during these economically difficult times.


  • SBA does not initiate contact on either 7a or Disaster loans or grants.If you are proactively contacted by someone claiming to be from the SBA, suspect fraud.


  • If you are contacted by someone promising to get approval of an SBA loan, but requires any payment up front or offers a high interest bridge loan in the interim, suspect fraud.
  • SBA limits the fees a broker can charge a borrower to 3% for loans $50,000 or less and 2% for loans $50,000 to $1,000,000 with an additional 1/4% on amounts over $1,000,000. Any attempt to charge more than these fees is inappropriate.
  • If you have a question about getting aSBA disaster loan, call 800-659-2955 or send an email to [email protected].
  • If you have questions about other SBA lending products, call SBA’s Answer Desk at 800-827-5722 or send an email to [email protected].


  • Look out for phishing attacks/scams utilizing the SBA logo.These may be attempts to obtain your personally identifiable information (PII), to obtain personal banking access, or to install ransomware/malware on your computer.
  • If you are in the process of applying for an SBA loan and receive email correspondence asking for PII, ensure that the referenced application number is consistent with the actual application number.
  • Any email communication from SBA will come from accounts ending with
  • The presence of an SBA logo on a webpage does not guaranty the information is accurate or endorsed by SBA.Please cross-reference any information you receive with information available at

Report any suspected fraud to OIG’s Hotline at 800-767-0385 or online at,

Please click here to read more on how to avoid Coroavirus scams from the FTC.

Economic impact payments: What you need to know

Important: The government will not ask you to pay anything up front to get this money or ask for your social security number, bank account or credit card number. Be on the lookout for scammers that are asking for this information. 

Check for the latest information: No action needed by most people at this time

The IRS is issuing Economic Impact Payments. These payments are being issued automatically for most individuals. However, some people who don’t usually file a tax return will need to submit basic information to the IRS to receive their payment.

Questions? The IRS is regularly updating the Economic Impact Payment and the Get My Payment tool frequently asked questions pages on as more information becomes available. Here are answers to some of the most common questions.

How are payments calculated and where will they be sent?
If taxpayers have already filed their 2019 tax return and requested direct deposit of their refund, the IRS will use this information to calculate and send their payment. Those who didn’t provide 2019 direct deposit information or owed tax, can use the Get My Payment tool to provide account information or a payment will be mailed. For those who haven’t filed their 2019 return, the IRS will use their 2018 tax return to calculate the payment.

Payments will also be automatic for those who receive Social Security, railroad retirement or Social Security Disability Insurance (SSDI and SSI) and veteran’s benefits who don’t normally file a tax return.

However, to add the $500 per eligible child amount to these payments, the IRS needs the dependent information before the payments are issued. Otherwise, their payment at this time will be $1,200 and, by law, the additional $500 per eligible child amount would be paid in association with a return filing for tax year 2020.

What if the IRS doesn’t have the taxpayer’s direct deposit information?
If the IRS has not processed the taxpayer’s payment, the taxpayer  may be able to use the Get My Payment tool to provide their banking information to the agency so their payments can be directly deposited. If no banking information is provided, IRS will mail a check to the taxpayer’s address on record. The direct debit account information used to make payments to the IRS cannot be used as the account information for the direct deposit of your payment.

Can taxpayers who aren’t required to file a tax return receive a payment?
Yes. People who don’t normally file can use Non-Filers: Enter Payment Info tool to give IRS  basic information to get their Economic Impact Payments. This includes low-income or no income taxpayers.

Can taxpayers who haven’t filed a tax return for 2018 or 2019 still receive a payment?
Yes. Anyone who is required to file a tax return and has not filed a tax return for 2018 or 2019 should file their 2019 return do so as soon as possible to receive a payment. They should include direct deposit banking information on their return.

I received an additional $500 in 2020 for my qualifying child. However, he just turned 17. Will I have to pay back the $500 next year when I file my 2020 tax return?
No, there is no provision in the law requiring repayment of an Economic Impact Payment. When you file next year, you can claim additional credits on your 2020 tax return if you are able to eligible for them, for example if your child is born in 2020. But you won’t be required to repay any Payment when filing your 2020 tax return even if your qualifying child turns 17 in 2020 or your adjusted gross income increases in 2020 above the thresholds listed above.

Where can I get more information?

The IRS will post all key information on

Branch Appointments

If you need to meet with a member service representative or a branch manager, we ask you to make an appointment in advance. To schedule an appointment at a branch, please click here. For the safety of our staff and members, we will conduct health screenings for all appointments.

COVID-19 Related Scams

In our effort to provide you with up-to-date information to remain vigilant in this challenging time, we wanted to provide you with a list of known opportunistic fraud scams being perpetrated.  Remember to question the validity of the information – if it sounds too good to be true, it probably is.  Here are some examples of the current scams:

  • Robocalls making fraudulent offers to sell respirator masks with no intent of delivery;
  • Fake COVID-19-related apps and websites that install malware or ransomware;
  • Phishing emails asking for money or presenting malware;
  • Social media scams fraudulently seeking donations or claiming to provide stimulus funds if the recipient enters his or her bank account number;
  • Sales of fake testing kits, cures, "'immunity" pills, and protective equipment;
  • Fraudulent offers for free COVID~ 19 testing in order to obtain Medicare beneficiary information that is used to submit false medical claims for unrelated, unnecessary, or fictitious testing or services;
  • Prescription drug schemes involving the submission of medical claims for unnecessary antiretroviral treatments or other drugs that are marketed as purported cures for COVID-19;
  • Scams involving the IRS Stimulus payments including calls from individuals attempting to obtain personal information as the IRS will not call, email or text to verify payment details

Please click here to read more on how to avoid Coroavirus scams from the FTC.

Higher Risk Dedicated Drive-Thru Times

During this crisis, our drive-thru services will open each day at 8:30 AM at our West Chester and Queensgate branches, with the first half hour reserved for our members age 65 and older and those defined by the CDC as higher risk. 

  • West Chester - 8763 Union Centre Blvd., West Chester, OH 45069
  • Queensgate - 1119 W. 8th St., Cincinnati, OH 45203
    • No Saturday Hours

Surcharge-Free ATMs

To view a list of 30,000 additional surcharge-free ATM locations, click here.  

What is Kemba doing to protect employees

We are currently sharing health and wellness/prevention tips from the Center for Disease Control, with our employees. We continue to maintain clean work spaces for employees and have a majority of employees working from a secure, remote location. 

Small Business Help

SBA (Small Business Administration)

  • Businesses can now apply directly to the SBA for loans at
    • In Ohio, all counties are covered.
    • Indiana counties included are:  Adams, Allen, De Kalb, Dearborn, Franklin, Jay, Randolph, Steuben, Union, Wayne
    • Kentucky counties included are:  Boone, Boyd, Bracken, Campbell, Greenup, Kenton, Lewis, Mason, Pendleton

Making Your Loan Payment

You can easily make your payment through Online or Mobile Banking. You can also make one-time or recurring payments on your Kemba Auto Loan the fast and easy way by using Kemba EZpay. Click here to use EZpay. 

Making a deposit

Kemba drive thru services are currently available for deposits and night deposits. You can also transfer funds from another instiution via online banking. Just login and click on Transfers, then Pay a Kemba Loan/Move Money and then click the Move Money icon to transfer funds from another institution to your Kemba Savings or Checking Account. 

Personal Loan Programs

The disruptions caused by COVID-19 may cause financial impact for our members, we are here to help. Kemba offers special Personal Loans to help our members during these difficult times.