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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.
Construction Loans
Q. How are payments calculated?
A. Interest-only payments are based on during the construction period for the amounts drawn. Once the house is completed, the loan balance is amortized over the remaining term.
Q. Can I use my own builder?
A. Yes, however Kemba will require a brief underwriting of their financial strength.
Q. Who manages the disbursements?
A. Kemba Credit Union will manage the disbursement process in conjunction with the title agency. Inspections and title updates will be required prior to disbursement of any funds.
Q. Rate locks?
A. Interest rates may be fixed up to 15 years.
Q. Lot loans?
A. Lot purchases may be completed at the time of the construction permanent loan. Kemba offers lot loans to our members. Contact the Construction Lending Manager for all the details.
For more information on Home Construction and Lot Loans, please call 513.763.1857.
For more information on Home Construction and Lot Loans, please call 513.763.1857.
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.
Mobile Banking
1. What is mobile banking?
Mobile banking allows you to access your accounts from the convenience of a smartphone or tablet. It's not a full replacement for online banking, but it does allow you to perform most of the common tasks associated with online banking.
2. What types of mobile banking does Kemba offer?
There are two ways to access mobile banking:
- Mobile website - mobile.kemba.com
Our mobile website, mobile.kemba.com, allows you to access your accounts using just about any cell phone that can access the internet. If you go to kemba.com from a mobile device, you will automatically be redirected to the mobile version of our website. - Apps
Apps are available for iOS and Android devices. Just go to the App Store or Google Play to download the blue Kemba app with the lion.
3. Is mobile banking secure?
Absolutely. Mobile banking uses full 128-bit encryption, with end-to-end SSL. It uses the same username and password as online banking, and we also use multi-factor authentication (MFA).
4. Is there a fee to use mobile banking?
Mobile banking is free. However, data rates from carriers may apply.
5. Can I use mobile banking without first signing up for online banking?
Yes. You can sign up through the Kemba mobile app. You will be prompted to create a username and password, answer security questions. It's also important that you have a valid email address on file for security verification.
6. What happens if I get locked out of Mobile Banking?
You must call Kemba's Member Services at 513.762.5070 to have your password reset. Once your password is reset, you must first create a new password through Kemba's online banking via your personal computer. For security reasons, you may not create your new password on mobile banking. Once you've created your new password, you may use your username and new password to immediately login to mobile banking.
7. Which features does mobile banking include?
Mobile banking includes the following features:
- Account Summary
- View Transaction History
- Transfer Funds
- Pay Bills
- Mobile Deposit (see Mobile Deposit FAQs for more info)
- Apply for a Loan
- View Spending Graphs
- Locate an ATM or Branch
- Member to Member Transfer
- eStatements/Tax Documents
- MyMoney
Mobile Deposit
1. Who is eligible to use Mobile Deposit?
Kemba members with accounts in good standing are eligible for Mobile Deposit. Accounts that are not eligible may request to have their accounts reviewed for Mobile Deposit by calling Kemba's Member Services at 513.762.5070.
2. Will Mobile Deposit work on all smart phones? iPads?
Mobile Deposit works on all Android devices with a camera, all iPhones, and iPads model 3 and newer (iPad 2's are not supported).
3. What types of checks are acceptable for Mobile Deposit?
Standardized checks that are payable to the primary or joint member are acceptable, no money orders.
4. How soon do the funds become available? Will I be able to see funds on my phone immediately?
The daily limits are $2,000, allowing the first $225 to be available immediately. The rest of the check is placed on a 2 business day hold. Longer holds may be placed if deemed necessary. Due to COVID-19 there may be lower limits for some individuals.
5. What should I do with the check after successfully depositing it using Mobile Deposit?
Keep the "successfully deposited check" for 30 days to make sure that you have received full credit. After 30 days the check should be securely destroyed.
6. What should I do if the check is not successfully deposited using Mobile Deposit?
If the back of the check has been endorsed with "For Kemba Mobile Deposit" and it is signed, but the Mobile Deposit was unsuccessful, the check can be brought in to a branch for deposit. Approval will be required to verify that the check has not been previously deposited.
7. Will I be able to see an image of the check deposited?
Yes, you can access history on the Mobile Deposit tab and see the date, time of the deposit, the dollar amount, status and an image of front and back of the check with a Kemba cancellation stamp.
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. 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.
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