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To guard against the spread of COVID-19, Kemba lobbies are temporarily closed.

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 April 1, 2020

To guard against the spread of COVID-19 and to comply with local and federal government recommendations Kemba lobbies are temporarily closed. Drive Thru and ATM access remain available. Our Member Service Call Center is still available at 513.762.5070, along with Online and Mobile Banking.

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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 IRS.gov for the latest information: No action needed by most people at this time

The Treasury Department and the Internal Revenue Service today announced that distribution of economic impact payments will begin in the next three weeks and will be distributed automatically, with no action required for most people. However, some seniors and others who typically do not file returns will need to submit a simple tax return to receive the stimulus payment.

Who is eligible for the economic impact payment?

Tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment. For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds. Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.

Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive an economic impact payment of up to $1,200 for individuals or $2,400 for married couples. Parents also receive $500 for each qualifying child.

How will the IRS know where to send my payment?

The vast majority of people do not need to take any action. The IRS will calculate and automatically send the economic impact payment to those eligible.

For people who have already filed their 2019 tax returns, the IRS will use this information to calculate the payment amount. For those who have not yet filed their return for 2019, the IRS will use information from their 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same banking account reflected on the return filed.

The IRS does not have my direct deposit information. What can I do?

In the coming weeks, Treasury plans to develop a web-based portal for individuals to provide their banking information to the IRS online, so that individuals can receive payments immediately as opposed to checks in the mail.

I am not typically required to file a tax return. Can I still receive my payment?

Yes. People who typically do not file a tax return will need to file a simple tax return to receive an economic impact payment. Low-income taxpayers, senior citizens, Social Security recipients, some veterans and individuals with disabilities who are otherwise not required to file a tax return will not owe tax.

How can I file the tax return needed to receive my economic impact payment?

IRS.gov/coronavirus will soon provide information instructing people in these groups on how to file a 2019 tax return with simple, but necessary, information including their filing status, number of dependents and direct deposit bank account information.

I have not filed my tax return for 2018 or 2019. Can I still receive an economic impact payment?

Yes. The IRS urges anyone with a tax filing obligation who has not yet filed a tax return for 2018 or 2019 to file as soon as they can to receive an economic impact payment. Taxpayers should include direct deposit banking information on the return.

I need to file a tax return. How long are the economic impact payments available?

For those concerned about visiting a tax professional or local community organization in person to get help with a tax return, these economic impact payments will be available throughout the rest of 2020.

Where can I get more information?

The IRS will post all key information on IRS.gov/coronavirus as soon as it becomes available.

The IRS has a reduced staff in many of its offices but remains committed to helping eligible individuals receive their payments expeditiously. Check for updated information on IRS.gov/coronavirus rather than calling IRS assistors who are helping process 2019 returns.

 

Higher Risk Dedicated Drive-Thru Times

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

  • Amelia - 1135 Ohio Pike, Amelia, OH 45102
  • Bridgetown - 5844 Bridgetown Rd., Cincinnati, OH 45248
  • Florence - 5935 Merchants St., Florence, KY 41042
  • Harrison - 10396 Harrison Ave., Harrison, OH 45030
  • Springdale - 211 Northland Blvd., Cincinnati, OH 45246
  • West Chester - 8763 Union Centre Blvd., West Chester, OH 45069
  • College Hill - 6230 Hamilton Ave., Cincinnati, OH 45224

Kemba Lobbies Closed - Drive Thru services

To guard against the spread of COVID-19 and to comply with local and federal government recommendations, effective Thursday, March 19th, Kemba lobbies are temporarily closed. Drive Thru and ATM access remain available. Our Member Service Call Center is still available at 513.762.5070.

Branch Locations with Drive Thru and ATM Access:

  • Amelia - 1135 Ohio Pike, Amelia, OH 45102
  • Bridgetown - 5844 Bridgetown Rd., Cincinnati, OH 45248
  • Florence - 5935 Merchants St., Florence, KY 41042
  • Harrison - 10396 Harrison Ave., Harrison, OH 45030
  • Queensgate - 1119 W. 8th St., Cincinnati, OH 45203
  • Springdale - 211 Northland Blvd., Cincinnati, OH 45246
  • West Chester - 8763 Union Centre Blvd., West Chester, OH 45069
  • College Hill - 6230 Hamilton Ave., Cincinnati, OH 45224
    • No ATM Access

 

Fees Waived for our Members

In an effort to provide financial relief to all of our members, we have temporarily suspended the following fees.  These fees will be automatically waived.

  • ATM/Debit Monthly Cardholder Fee
  • We are now offering unlimited Free ATM withdrawals at Surcharge-Free ATMs
  • Loan Late Payment Fees
  • Loan Deferment Fees
  • Non-Sufficient Funds (NSF) Fees
  • Overdraft Privilege Fees

Online and Mobile Banking

We encourage you to start using Kemba Online and Mobile Banking. By clicking on the orange "Online Banking" button in the top righthand corner of kemba.com to access Online Banking or by downloading the Kemba mobile app, you’ll have secure access to your account when you need it from the comfort of your home.  Below are a few of the digital features available to you:

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

If you need assistance with logging into Online or Mobile Banking, please give us a call at 513.762.5070.

iPhone Android

Mobile Deposit

The majority of members with our mobile app can easily deposit checks (certain restrictions apply). Just log into the Kemba mobile app and snap a picture of your check, it's that easy. 

Surcharge-Free ATMs

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

Skip A Pay

Kemba's Skip A Pay program will be released to our members soon with no fee. Be on the lookout within Online Banking to see if your loans qualify. 

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 https://disasterloan.sba.gov/ela
    • 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

Protect Yourself from Cyber Criminals

You should know that the coronavirus could accelerate activities of cyber criminals who target upon the public's concerns. How to stay protected:

  • Be on the lookout for phishing emails that at first glance appear to come from a trusted source. Never click on unknown attachments, links or provide personal identifiable information via an unsecure website.
  • Be cautious of emails and phone calls offering unexpected or unprompted information or in which the sender/caller requests your personal information.
  • Not all advertisements are created equal. Social media companies, such as Facebook, are cracking down on ads spreading coronavirus rumors, however, some false ads may make it through their filters. It's best to find information on the disease from official sources like the U.S. Center for Disease Control or the World Health Organization.

Kemba Credit Union will under no circumstances contact you by phone, text or email asking you for personal, account or card information. Unless you have contacted us directly by phone or within online banking, do not give out any personal, account or card information.  

If you suspect any fraudulent activity, please contact our Member Service Call Center at 513.762.5070 and report the activity to the Federal Trade Commission (FTC) as soon as possible.

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. 

I NEED TO VISIT A BRANCH

If you need to visit a branch for any reason, please contact our call center at 513.762.5070. Please note: you will be screened before entering the branch. 

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. 

Frequently asked questions

How long will Kemba lobbies be closed?

Kemba will continue to follow the recommendation of local and federal goverment in response to the opening of our lobbies. 

Have any of your employees or members been diagnosed or exposed to coronavirus?

Currently, no cases have been reported to the credit union. 

If I lost my job recently, is there assistance available to me? 

Kemba will continue to work with our members during these times. Plase call 513.762.5070 or click here to contact us online. 

 

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