Visa Credit Cards

Kemba offers many special services to assist you in transacting your financial business. Depending upon your relationship with the credit union, many fees are avoidable.

1 Fee can be avoided by using Kemba’s FREE Online Banking, Touch Tone-Teller or Mobile banking to transfer funds.
2 Fee can be avoided by enrolling in Kemba’s Member Select Checking plus.

Checking

Member Select Checking Plus $5.00/month
Overdraft to loan $5.00/occurrence1
Overdraft to Share $5.00/occurrence1
Personal check orders varies according to style
Certified Check $5.002
Photocopy of a cleared check $5.00
Returned (NSF) check $33.00
Stop payment order $33.00
Account balancing assistance $50.00/hour
Overdraft privilege (per overdraft occurrence) $33.00

Credit Cards

MasterCard or Share Secured VISA annual fee $25.00
Late Payment $10.00-$25.00
Cash Advance 2% of amount advanced (Minimum $2.00 max $50.00)
Returned Check for payment $30.00
Photocopy of sales draft/charge $5.00
Foreign Currency Transaction Fee 1%

Loans

Delinquent 20% of interest due (minimum $5.00)
Home Equity Annual fee $100.00
Second Mortgage closing fee $500.00
Mortgage Appraisal actual cost
First Mortgage Fee Call for current schedule
VIP Service Fee (one time, new account charge) $10.00
VIP Plus Closing fee $500.00
Title and lien fees actual cost
Documentary fees actual cost
Returned check for payment $30.00
Loan Origination Fee Titled Vehicles $100.00
Loan Origination Fee Unsecured $50.00

Miscellaneous

Fax Fee $2.00 per page
New Member processing fee $1.00
Account closing fee $5.00 (If account closes within 6 months of opening)
ACH/NSF fee $33.00
Money Orders $2.502
Cashier’s check $5.002
Incoming wire less than $2,500 $15.00
Wire Transfers within United States $25.00
International Wire Transfers $100.00
Western Union commercial money orders Varies according to amount
Dormant Account Fee (after 12 months no activity) $10.00 (per month account balance falls below $100)
NSF drawn on another institution, deposited or paid on Kemba $10.00
Withdrawal of less than $200.00 from Vacation Club $10.00
Early Withdrawal from Christmas Club $10.00
Statement Photocopy $5.00 per statement
Printed account history $3.00 per page
Account Research $25.00 per item
Paper Statements $3.00/mo
Weekly NSF Fee after 7 days negative $10.00
Pay by phone convenience fee $15.00
Telephone transfers/balance inquiries through call center $1.00 each (2 free per month)1
Check cashing fee (only for accounts with less than $100 on deposit or no open loan or credit card) $5.00 each
Check cashing fee non-member “on-us” check $10.00 each
Garnishment processing fee $40.00 / occurrence
Return mail fee $5.00 per item
Verification of Deposit $10.00
IRA Withdrawal Fee if roll-over or transferred funds are withdrawn less than 6 months $50.00 

Safe deposit box rental

Visit your local branch for availability.

3x5 $25.00
5x5 $40.00
3x10 $50.00
5x10 $65.00
10x10 $95.00
Drilling Fee $200.00
Key Replacement $20.00

ATM/Debit Card

Your monthly card holder fee is FREE

If you have one of the following:

*Member Select Checking Plus

OR

*At least one debit card purchase transaction per month at a merchant location

OR

*Active checking account AND active credit card account PLUS share balances totaling over $500 OR loan balances totaling over $2,000

 

Your monthly card holder fee is $6.00

If you have one of the following:

*An active checking account

*An active credit card

*Share account balances over $500

*Loan balances totaling over $2,000

Your monthly card holder fee is $10.00

If you have Share account balances less than $500

(Monthly cardholder fees are waived for the first 90 days of new membership and for all members under 18, excluding applicable fees listed below.)

ATM/Debit Card/PIN Based Point of Sale Transactions

Transfer /balance inquiry $3.00
ATM/check card withdrawal NSF $33.00

Withdrawal

Four (4) ATM withdrawals per month at surcharge-free ATMs FREE
Each additional ATM withdrawal per month (No withdrawal fees at Kemba ATMs) $3.00
Foreign Currency Transaction Fee 1%
Replacement of lost Debit/ATM card (one free replacement card per year) $25.00

HSA Accounts

Excess Contribution Distributions $5.00

Kemba is part of the Alliance One, STAR and Allpoint surcharge-free networks. These networks offer over 60,000 surcharge free ATMs throughout the United States. You can find an ATM near you by visiting kemba.com. Kemba fees may apply.

Business Plus

Average daily balance to avoid monthly service charge $0.00
Monthly Service Charge $0.00
Paper Statement Fee $5.00
Free transactions per month 100
Per transaction fee $0.25

Business Prestige

Average daily balance to avoid monthly service charge $2,500.00
Monthly Service Charge $5.00
Paper Statement Fee $5.00
Free transactions per month 200
Per transaction fee $0.20

Business Platinum

Average daily balance to avoid monthly service charge $25,000.00
Monthly Service Charge $10.00
Paper Statement Fee $5.00
Free transactions per month 500
Per transaction fee $0.20

 

Fees subject to change. Effective 5/4/16