member account fee informationfree and unlimited non-kemba owned atm transactions ... *to earn kemba...
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KEMBA Financial Credit UnionMember Account Fee Information
KEMBA Owned ATM Transactions . . . . . . . Free and unlimitedNon-KEMBA Owned ATM Transactions
PLUS ATM Network Transactions . . . . . . . . . . . . . $2.00/each
8 free/month; $2.00/each thereafter6 free/month; $2.00/each thereafter4 free/month; $2.00/each thereafter
KEMBA Advantage* Member. . .Age ≤ 23 . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . .
ATM/Debit Cards
Checking Accounts
Incoming Domestic or International Wire Transfer$7.50
$15.00KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Outgoing Domestic Wire Transfer$10.00$20.00
KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Outgoing International Wire Transfer$35.00$45.00
KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Wire Transfers
Check CopyFree
$5.00/copyPrinted through Online Banking . . . . . . . . . . . . . . . . . . . . . . . Phone/Branch/Email request for printed copy . . . . .
Hassle-Free Checking
$6.95/month
Non-Advantage Members with an average daily balance of only $500 in checking, or Direct Deposit to KEMBA
Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
High Performance CheckingFree
$8.95/monthWith an average daily balance in checking only of $1,000 . . . . Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Fresh Start Checking
ChecksOne free box per year**
Varies by designKEMBA Advantage Member. . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . .
With Direct Deposit of at least $500 into checking . . Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$8.95/month$10.95/month
Elements Checking (ages 14-17). . . . . . . . . . . . . . . . . . . . Free
ACH and Check Stop Payments
Free$25.00/item
Member request through Online Banking (excludes ACH) . . . .Otherwise
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
FreeKEMBA Advantage member . . . . . . . . . . . . . . . . . . . . . . . . . .
FreeKEMBA Advantage* Member . . . . . . . . . . . . . . . . . . . . . . . . . .
of at least $500/month, or age ≤ 23 . . . . . . . . . . . . . . . . . . . . Free
MiscellaneousMembership Fee
A better way to bank
FINANCIALKEMBA
CR ED I T UN I O N
*To earn KEMBA Advantage member status, the following requirementsmust be met each month: (1) Have an active checking account and make atleast 15 qualifying transactions, which include any combination of thefollowing: cleared checks, Debit Card signature transactions, online billpayments, electronic loan payments made from your KEMBA checkingaccount, automatic deposits or withdrawals, and Virtual Deposits; (2) HaveDirect Deposit of your entire payroll, Social Security, or pension check(minimum of $1,000/month); (3) Receive eStatements. If you meet thequalifications during a given calendar month, you will enjoy KEMBAAdvantage benefits the next month. **Limited to standard Regal checkdesign. †Fee waived for first twelve months of KEMBA membership. Feesaccurate as of April 6, 2020.
Non-Sufficient Funds & Courtesy Pay Items . . . . .$32.00/each
Account Research/Reconciliation . . . . . . . . . . .
Overdraft TransferSavings to Checking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
$5.00 + interestCredit Card to Checking . . . . . . . . . . . . . . . . . . . .$5.00 + interestLine-of-Credit to Checking . . . . . . . . . . . . . . . . . .
Returned Deposit Item . . . . . . . . . . . . . . . . . . . . . . . . . $12.00
Legal Process (garnishments, levies, escheatment) . . . . . . .$25.00
Early Account Closure Fee . . . . . . . . . . . . . . . . . . . . . .(For closing a personal or business account/relationship within the first 6 months of membership)
$25.00
Non-Member Check Cashing Fee . . . . . . . . . . . . . . . . . $5.00
Free$5.00/month
With an average daily balance of only $250 in combined total household deposits and loans, or an active loan, or an active checking account, or age ≤ 23 . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$20.00/hour
†
Money Market Minimum Balance Fee
Free$10.00/month
With an average daily balance of at least $1,000 in Money Market . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Payment By Phone (from/to non-KEMBA account)$5.00
$10.00KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cashiers Check, Money Order, or Official Check $2.50
$5.00KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
KEMBA Advantage Member . . . . . . . . . . . . . . . . . . .
Statement Copy (duplicate paper copy) . . . . . . . . . . $5.00/copyFreeAccess eStatement via Online Banking . . . . . . . . . . . . . . . . .
FreeKEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . . . .
FreeKEMBA Bill Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$10.00/hour
KEMBA Financial Credit UnionBusiness Account Fee Information
KEMBA Owned ATM Transactions . . . . . . . Free and unlimitedNon-KEMBA Owned ATM Transactions
PLUS ATM Network Transactions . . . . . . . . . . . . . $2.00/each
8 free/month; $2.00/each thereafter6 free/month; $2.00/each thereafter4 free/month; $2.00/each thereafter
KEMBA Advantage* Member. . .Age ≤ 23 . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . .
ATM/Debit Cards
Checking Accounts
Incoming Domestic or International Wire Transfer$7.50
$15.00KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Outgoing Domestic Wire Transfer$10.00$20.00
KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Outgoing International Wire Transfer$35.00$45.00
KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Wire Transfers
MiscellaneousMembership Fee
A better way to bank
FINANCIALKEMBA
CR ED I T UN I O N
*Members with a KEMBA business relationship can enjoy Advantagebenefits for both your personal and business accounts when you meet thefollowing requirements: (1) Make monthly deposits of at least $2,000 intoyour business checking or personal checking account; (2) Have at least 15qualifying checking transactions into your business checking or personalchecking, which include any of the following: cleared checks, Debit Cardsignature transactions, online bill payments, electronic loan payments madefrom your KEMBA checking account, automatic deposits or withdrawals,and Virtual Deposits; (3) Receive eStatements. KEMBA reserves the rightto change or cancel this program at any time. If you meet the qualificationsduring a given calendar month, you will enjoy KEMBA Advantage benefitsthe next month.*Limited to standard Regal check design. †Fee waived for first twelvemonths of KEMBA membership. Fees accurate as of April 6, 2020.
Non-Sufficient Funds & Courtesy Pay Items . . . . .$32.00/each
Account Research/Reconciliation . . . . . . . . . . .
Overdraft TransferSavings to Checking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
$5.00 + interestCredit Card to Checking . . . . . . . . . . . . . . . . . . . .$5.00 + interestLine-of-Credit to Checking . . . . . . . . . . . . . . . . . .
Returned Deposit Item . . . . . . . . . . . . . . . . . . . . . . . . . $12.00
Legal Process (garnishments, levies, escheatment) . . . . . . .$25.00
Early Account Closure Fee . . . . . . . . . . . . . . . . . . . . . .(For closing a personal or business account/relationship within the first 6 months of membership)
$25.00
Non-Member Check Cashing Fee . . . . . . . . . . . . . . . . . $5.00
Free$5.00/month
With an average daily balance of only $250 in combined total household deposits and loans, or an active loan, or an active checking account, or age ≤ 23 . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$20.00/hour
†
Money Market Minimum Balance Fee
Free$10.00/month
With an average daily balance of at least $1,000 in Money Market . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Payment By Phone (from/to non-KEMBA account)$5.00
$10.00KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cashiers Check, Money Order, or Official Check $2.50
$5.00KEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
KEMBA Advantage Member . . . . . . . . . . . . . . . . . . .
Statement Copy (duplicate paper copy) . . . . . . . . . . $5.00/copyFreeAccess eStatement via Online Banking . . . . . . . . . . . . . . . . .
FreeKEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . . . .
FreeKEMBA Bill Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
$10.00/hour
Business Value Checking
Free$10.00/monthOtherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Free$10.00/month
With an average daily balance in checking of only of $5,000. . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Transaction FeesFree up to 200/month
$0.25/transactionBusiness Value Checking . . . . . . . . . . . . .Each Additional . . . . . . . . . . . . . . . . . . . . . . . .
Free up to 500/month$0.15/transaction
Business Smart Checking . . . . . . . . . . . . .Each Additional . . . . . . . . . . . . . . . . . . . . . . . .
Business Smart Checking
Check CopyFree
$5.00/copyPrinted through Online Banking . . . . . . . . . . . . . . . . . . . . . . . Phone/Branch/Email request for printed copy . . . . . . .
ChecksOne free box per year**
Varies by designKEMBA Advantage Member. . . . . . . . . . .Otherwise . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
ACH and Check Stop Payments
Free$25.00/item
Member request through Online Banking (excludes ACH) . . . . .Otherwise
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
FreeKEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . . . .
FreeKEMBA Advantage Member . . . . . . . . . . . . . . . . . . . . . . . . . .With an average daily balance in checking of only of $500 . . . .