Visa Credit Cards

General

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.

Membership

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.

Transactions

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. In order to transfer funds from another financial institution to pay a Kemba loan, simply log into Kemba's Online Banking, click on Transfers under the Account Info tab, then "AutoPay - Pay Your Loan or Credit Card". Not all loans will be eligible for AutoPay. 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

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).
Q. How can I change my PIN number on my ATM or debit card?
A. To change your PIN number, call (866) 985-2273 or visit an ATM.

Kemba Chip Debit Card Reissue

Q: Why am I receiving a new chip card?
A: Your card now includes chip technology. You'll enjoy global acceptance plus an enhanced level of security.
Q: How does chip technology protect my information?
A: Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
Q: Am I still protected against unauthorized charges?
A: Yes. If your card is ever lost, stolen or fraudulently used, you are not responsible for unauthorized charges.
Q: What should I do with my existing Kemba Credit Union Visa Debit Card?
A: Once you activate your new card, please destroy your existing card for security reasons.
Q: Where can I use my chip card?
A: You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.
Q: Can I still swipe my card to pay?
A: Yes. If a merchant is not yet chip-activated, simply swipe your card. Keep in mind, you may need to sign for your purchase.
Q: Has my card information changed?
A: For your convenience, your card number and PIN have not changed. Your card may have a new expiration date, so be sure to update your information with billers that charge your card regularly.
Q: Will I have to pay any additional fees to use my chip card?
A: There are no additional fees to use your new card.

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.

Accidental Death & Dismemberment (AD&D)

Find online access to AD&D enrollment and benefit information.

Q. Do I automatically receive the $1,000 no-cost basic insurance?
A. No. You must enroll.
Q. Do I have to buy additional coverage in order to get the $1,000 basic?
A. No. The $1,000 AD&D insurance coverage is provided as our gift to you, at no cost, as long as you maintain your account with us.
Q. Does this cover on-the-job accidents?
A. Yes. The coverage is effective 24 hours a day, worldwide.
Q. How much additional coverage may I choose? Can I get insurance for my spouse and family, too?
A. AD&D insurance has coverage levels to fit your budget, from $10,000 to $300,000. Spouses and unmarried children under the age of 21 years (age 25 if full-time students) may be insured under the family plan. If the family plan is selected, spouses are insured for 50%. Dependent children are each insured for 20%. If your household does not have any dependent children, the spouse's coverage rises to 60% of the additional coverage selected. If you do not have a spouse, dependent children's coverage rises to 25%.
Q. Do I have to take a medical exam or answer a lot of health questions?
A. No. There are no medical questions or physical exams required to qualify.
Q. I bought additional coverage, and I received something called "added benefits." What does this mean?
A. You automatically receive six added benefits that are included with your insurance. (1) Common Carrier Accidental Death: Pays twice the face value of your additional coverage. (2) Educational Assistance: Pays a benefit to each dependent child who is enrolled as a full-time student in an institution of higher learning. (3) Anti-Inflation: After two years of continuous coverage, benefit increases a specific percentage until it reaches 125% of the original amount. (4) Hospital Income Benefit: Pays 1% of the Voluntary Insurance benefit up to $2,500 a month for hospital stay for more than 7 days (starting within 30 days of accident as the result of a covered Injury.) (5) Day Care Benefit: Pays 2% of the Voluntary Insurance benefit or $2,000 (whichever is less) each year for two years, for each Eligible Dependent (under age 14 at the time of your death) who is enrolled in a Day Care Program. (6) Adaptive Home and Vehicle: Pays a benefit if a covered insured requires their home and/or car to be adapted due to a covered loss up to $2,500. Your Insurance Coverage Document will explain all of the specifics of these added benefits (including exclusions, limitations and terms of coverage).
Q. What does "common carrier" mean?
A. The common carrier benefit applies when you pay a fare to travel on common or public forms of transportation. This includes commercial airlines, trains, buses, cabs, ferries, and more.
Q. Is there an age cutoff?
A. There is no termination age; however, coverage reduces 50% at age 70 and older.
Q. When does my coverage begin?
A. The effective date is shown on your Insurance Coverage Document.
Q. How long does it take before I receive my insurance coverage document?
A. It takes about 30 days from the time the enrollment form is received to process and issue the Insurance Coverage Document.
Q. What if I decide to cancel?
A. Your coverage features a no-risk 30-day guarantee. If you choose not to keep your insurance, simply call toll free 1-877-309-6576, and your insurance will be cancelled immediately.
Q. How will I be billed?
A. 1) Because you are a share account holder, the premiums will be automatically debited from your account quarterly. This transaction will be reflected on your statement. 2) Because you are a share draft account holder member, the premiums will be automatically debited from your account quarterly. This transaction will be reflected on your statement.
Q. Who is the underwriter for this insurance?
A. This insurance is underwritten by Minnesota Life Insurance Company. Minnesota Life and Securian Financial Group affiliates provide financial security to 10 million people nationwide through insurance, investment and retirement products. Founded in 1880, our record of financial strength and claims-paying ability positions us as one of the most highly rated companies in America.
Q. How do I file a claim?
A. Call toll free at 1-877-309-6576 weekdays, 7:00 a.m. to 8:00 p.m., Saturdays, 8:30 a.m. to 5:00 p.m., CST.
Q. How long will it take to process my claim?
A. The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices in Nashville, TN. Once processed, the claim is then forwarded to the underwriter for determination of benefits.
Q. Who is the plan administrator?
A. The Plan Administrator is Affinion Benefits Group, a division of Affinion Group, the nation's largest provider of direct response insurance programs.