Checking Accounts
Checking Accounts for Kemba Federal Credit Union Members in Salem and Lynchburg, Virginia
Kemba FCU provides unparalleled access to your funds, offering benefits and features that outshine traditional bank accounts. With our Share Draft Checking Account, you gain access to over 300,000 shared ATMs, 5,000 co-op branches, and an array of additional services. For over 75 years, more than 5,000 satisfied members in Salem and Lynchburg, Virginia, have trusted Kemba Roanoke Federal Credit Union for their money management needs. Take the next step by applying online, calling our dedicated team, or visiting Kemba FCU in person today to become a valued member and open your own checking account.
WhenWhen you choose Kemba FCU, you're not just getting a checking account but also a trusted financial partner. Our experienced team is committed to providing personalized service and guiding you toward financial success. With Kemba FCU, you'll benefit from competitive rates, convenient digital banking solutions, and innovative tools to simplify your financial journey. As a member-owned credit union, we prioritize your needs and strive to exceed your expectations. Join the Kemba FCU community today and unlock a world of financial possibilities. Experience the difference between banking with a credit union that truly cares about your financial well-being.
What are the Advantages of Using Credit Union Checking Accounts?
Using a credit union checking account comes with several advantages that can greatly benefit your financial well-being. Firstly, credit unions typically offer higher interest rates on their checking accounts compared to traditional banks. This means that your money can grow faster through interest earnings, helping you maximize your savings potential. Additionally, credit unions often have lower fees and fewer account requirements. This can translate to lower or even no monthly maintenance fees, no minimum balance requirements, and reduced or eliminated fees for transactions such as ATM withdrawals or check orders. By minimizing these fees, credit union checking accounts can help you save money and keep more of your hard-earned cash.
Another advantage of credit union checking accounts is the personalized and member-focused service they provide. Credit unions are member-owned financial cooperatives, which means they prioritize the needs and satisfaction of their members over maximizing profits. This often translates to more attentive and personalized customer service, as credit union staff members take the time to understand your unique financial goals and provide tailored solutions. Moreover, credit unions are known for their community-oriented approach, actively investing in the local communities they serve. By banking with a credit union, you not only enjoy the benefits of a checking account but also contribute to the growth and development of your community.
Some of the advantages of opening a checking account with a credit union include:
Lower fees than traditional banks
Better savings rates
Better interest rates on loans
Incredible customer service
Focus on the community
Shared branching and ATM networks for access anywhere
Federally insured by the NCUA
Kemba FCU Basic Checking Account Features and Benefits
| Minimum balance requirement | None |
| Monthly service charge | None |
| Online, text, and mobile banking fee | Free |
| e-Statements | Free |
| Direct Deposit | Yes (Learn more) |
| Visa Debit Card | First Card is Free on Basic Checking Account (Learn more) |
| Access to over 300,000 ATMs | Within the CULIANCE ATM Network |
| Access to over 5,000 branches | Within the Shared Branch Network |
Courtesy Pay Overdraft Protection for Checking Accounts
Courtesy Pay is an overdraft protection service offered for checking accounts, providing an added layer of financial security and peace of mind. With Courtesy Pay, eligible transactions that exceed your available account balance are covered, preventing declined transactions or returned checks. This means that if unexpected expenses arise or you make a miscalculation, you can still make essential payments without the embarrassment or inconvenience of declined transactions.
Courtesy Pay acts as a safety net, helping you avoid potential fees from merchants or financial institutions due to insufficient funds. It offers a convenient and temporary solution to bridge the gap between your available balance and the amount of a transaction, giving you the flexibility to manage unforeseen expenses or emergencies. With Courtesy Pay, you can confidently handle financial obligations and maintain your financial stability even during challenging times.
Avoid your ATM and debit card transactions declining or checks bouncing if you do not have sufficient funds in your checking account with Courtesy Pay Overdraft Protection from Kemba Roanoke FCU! Courtesy Pay Overdraft Protection from Kemba Roanoke FCU can help your checking account stay out of the red. A good number of our checking accounts offer FREE Courtesy Pay Overdraft Protection up to a certain amount.
Open A Checking Account With Kemba Roanoke FCU
Opening a checking account with Kemba Roanoke FCU offers personalized service and member-focused solutions. With a vast network of shared ATMs and co-op branches, managing your funds is convenient. Kemba Roanoke FCU has a trusted history of serving satisfied members in Salem and Lynchburg for over 75 years. Enjoy competitive rates, exclusive perks, and innovative digital banking options. Apply online or visit Kemba Roanoke FCU today to experience a better banking experience that prioritizes your financial well-being.