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Q. Do any of your locations offer drive thru service?
A. Yes. Our Amelia, Bridgetown, College Hill, Florence, Harrison, Springdale, and West Chester branches offer drive thru service for your convenience.
Q. My address has changed. What do I need to do?
A. Please complete and send us the Change of Address Form or log in to Online Banking and click on Services > Address Change.
Q. What are your current Share Certificate Rates?
A. Our most popular certificate rates can be found by clicking on “Rates” at the top of our website.
Q. What is your policy for availability of funds?
A. Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the fifth business day after the day of deposit.
Q. Is my Kemba account Federally insured?
A. Federally insured credit union member accounts are insured to at least $250,000 by the National Credit Union Share Insurance Fund, a federal insurance fund backed by the full faith and credit of the U.S. Government.


Q. After I become a Kemba member, can my other family members also join?
A. Yes, your grandparents, mother, father, sister, brother, children and grandchildren are eligible for membership with Kemba through a family relationship.
Q. If I change jobs and no longer work for an employer affiliated with Kemba, do I have to close my account?
A. No, once a member of Kemba you are always a member of Kemba. As long as you maintain your $5 balance in an active share account you will remain a member. We will also accept payroll/direct deposits from your new employer.


Q. I have two separate accounts with Kemba (i.e. one with my husband and a Kemba Cub account with my child). How can I transfer money between the two accounts?
A. Kemba offers the ability to transfer between established accounts through Touch-Tone-Teller and Online Banking. However, it is very important that these transactions take place with your written consent. We require the authorization of the primary member on any account from which money will be taken. If you would like the ability to transfer out of your account into another account, please contact us to obtain the necessary form or via Online Banking by clicking on the Services tab > FAQ/Online Banking Forms > Cross-Account Access Form.
Q. What is Kemba's ABA routing and transit number?
A. The number is 242076973.
Q. What account number should I use for direct deposit?
A. You can access your full account numbers for savings and checking by logging into Kemba's Online Banking. Once logged in, click on Services, then Account/Routing Numbers. If you have additional questions regarding direct deposit, please call our Member Services department at (513) 762-5070 or (800) 825-3622.
Q. Does Kemba handle wire transfers?
A. Yes, there is a fee for outgoing wire transfers and some incoming wire transfers. Please see our fee schedule for the amount details, and visit a local branch to request an outgoing wire transfer. The information needed to complete an outgoing wire transfer is your name, account number, and address. For the financial institution where the transfer is going, please provide the name, city, state, phone number, and ABA routing/transit number. Also, we need to know where - to whom - the transfer is going: name, address and account number.
Q. How can I transfer funds from another financial institution to pay my Kemba loan automatically?
A. To transfer funds from another financial institution to pay a Kemba loan, click on the Pay a Kemba Loan tab or click on “Pay a Kemba Loan/Move Money” under the account info tab. Not all loans will be eligible for Pay a Kemba Loan. When you are ready to create a payment, you will need the following information:
  • Your other financial institution's routing/ABA number
  • Your full savings or checking account number at the other financial institution
Q. How can I transfer funds to/from another financial institution?
A. To transfer funds to/from another financial institution, click on “Pay a Kemba Loan/Move Money” under the account info tab. Not all accounts will be eligible for Move Money. When you are ready to create a transfer, you will need the following information:
  • Your other financial institution's routing/ABA number
  • Your full savings or checking account number at the other financial institution

Checks and Money Orders

Q. Do you offer money orders or postage stamps?
A. Yes, we offer money orders and postage stamps at every branch with the exception of Peyton.
Q. Why are cashier's checks and/or certified checks better than a personal check?
A. Cashier's checks and certified check funds are 100% guaranteed. A personal check is not a guarantee of funds.

ATM and Debit/Credit Cards

Q. What should I do if my debit/credit card is lost or stolen?
A. If you believe your debit/credit card, the card number, or PIN has been lost or stolen, contact us immediately at (513) 762-5070 or (800) 825-3622 (24 hours a day).

Online and Phone Banking

Q. What is Online Banking?
A. Online Banking is Kemba's online account access through the internet. You could consider this virtual branch our most convenient branch because it is "open" 24-hours a day, 365 days a year. It is easy to use, secure, and free.
Q. What is Touch-Tone-Teller?
A. Touch-Tone-Teller is Kemba's automated phone banking system. Using any push button phone, you can access your account (after providing a PIN number for security reasons), to obtain balances, make transfers, make loan payments, keep track of what checks have cleared your account, what deposits have been made, account histories and many other options.
Q. How can I change my Touch-Tone-Teller PIN number?
A. Just call (513) 762-5080 and after gaining access to your account by using your current PIN number, then choose 99# and follow the prompting to enter any new PIN number of your choice.