Business Smart Checking

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Your operating budget just got somewhat bigger

Looking for new revenue streams? So is every business these days. At KEMBA Financial Credit Union, we can give your bottom line an extra boost with an interest-earning checking account. When you add our time-saving Digital Banking tools and hundreds of free monthly transactions, you get an account that offers exceptional value at a very low price.

  • Minimum opening deposit of $1000
  • Earn competitive interest with minimum average daily balance of $5,000
  • Avoid $10 monthly service charge with $5,000 minimum average daily balance
  • 500 transactions per month (after that, $0.15 per transaction)
  • Get an instantly issued KEMBA Mastercard® Debit Card1 for fast, easy purchases
  • Deposit checks from anywhere with Remote Deposit
  • Tap into your checking account at more than 50,000 non-KEMBA surcharge-free ATMs nationwide
  • 24/7 convenience of unlimited Digital Banking tools
  • Electronic Bill Pay and mobile check deposit2
Item Business Value Checking Business Smart Checking (Interest Bearing)
Minimum balance to open $100.00 $1,000.00
Monthly service charge $10.00 $10.00
Average daily balance required to avoid monthly service charge $500.00 $5,000.00
Transaction items per month 200 500
Per transaction item fees $0.25 each item over 200 $0.15 each item over 500
Minimum average daily balance to earn dividends N/A $5,000.00
Dividend frequency N/A Monthly
Dividend payment calculation method N/A Average Daily Balance
Dividends paid on N/A Entire Account Balance
Early account closure fee (if closed within 6 months of account opening) $25.00 $25.00
Debit Card Included Included
Digital Banking access Included Included
Bill Pay Included Included
Instant Access (telephone banking) Included Included

Learn More About Business Banking

To learn more about Business Banking & Commercial Loans, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.


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1 Debit Card transactions are subject to per item transaction guidelines when used at a point of sale. When used at an ATM, transactions are subject to the guidelines outlined in the relationship fee schedule.

2 Bill Payments transaction items are included in the free transaction items per month. Once the free transaction limit is reached, Bill Pay transactions are subject to per transaction item fees.

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