Frequently Asked Questions

General

Q. Do any of your locations offer drive thru service?
A. Yes, our West Chester, Harrison, Springdale Bridgetown, and Amelia 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.

Q. Do you sell/redeem US Savings bonds?
A. At this time, we do not sell savings bonds, but we do redeem Series E and Series EE bonds at all Kemba locations.

Q. What are your current Share Certificate Rates?
A. Our most popular certificate rates can be found on the front page of our website in the Today’s Rates box by clicking the Savings tab. You can also call us at (513) 762-5070 for other rates.

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. Yes. Your account is insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government.  This insurance fund is managed by the National Credit Union Administration (NCUA), an agency of the Federal Government. As a part of a stabilization bill signed into law on May 20, 2009, the share insurance increase up to $250,000 has been extended to be effective through December 2013. Retirement accounts, such as IRAs, are insured separately from regular share accounts up to $250,000. For example, if you have a regular share account and an IRA at the same credit union, the regular share account is insured up to $250,000 and the IRA is separately insured up to $250,000.

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 Web Connect. 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.

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. Checking Deposit: When looking at the numbers across the bottom of your checks, the first 9 digits is the routing (ABA) number - 242076973. The next 13 digits is your checking account number - 800000XXXXXXX (substitute your own digits for the XXXXXXX).

Savings Deposit: Kemba's routing (ABA) number is 242076973. Use your six digit credit union account number from your membership card or statement (do not include the four zeros in front of your account number). Follow your six digit savings account number by three zeros - XXXXXX000 (substitute your own digits for the XXXXXX).

If you have additional questions regarding direct deposit, please call our Electronic Member Services department at (513) 762-1623 or (800) 825-3622 ext. 623.

For Web Connect users, the direct deposit form is available for access on Web Connect. This form can be viewed for the correct information while filling out your direct deposit form. After logging on, go to Electronic Services and select Direct Deposit/Tax Form.

Q. Does Kemba handle wire transfers?
A. Yes, there is a $15 fee for wire transfers. The information needed to complete a wire transfer is your name, account number, and address. For the financial institution where the transfer is going, we need their 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.

Checks and Money Orders

Q. Do you offer money orders, traveler's checks, postage stamps, or gift checks?
A. Yes, we offer all of the above 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 card is lost or stolen?
A. If you believe your Jeanie Card or Mane Check Card, the card number, or PIN has been lost or stolen, contact us immediately at (513) 762-5070 or (800) 825-3622. You may also contact us regarding a lost or stolen card. After business hours, leaving a message by telephone or email will preserve your rights and limit the liability if reported in a timely manner.

Q. What should I do if my credit card is lost or stolen?
A. If you believe your Visa Card, MasterCard, Visa Gold Card, or Visa Platinum Card, the card number, or PIN has been lost or stolen, contact us immediately at (513) 762-5070 or (800) 825-3622. After business hours you will redirected to an individual who will be able to take your report and block your card immediately.

Q. How can I change my PIN number on my ATM or debit card?
A. To change your PIN number, give us a call at (513) 762-1623 or (800) 825-3622 ext. 623.

Online and Phone Banking

Q. What is Web Connect?
A. Web Connect 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. There are no monthly/yearly fees for using Web Connect, nor are there any per transaction charges.

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.