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Kemba Elements Checking for Teens

Kemba Elements Checking for Teens image
A checking account for teens ages 14 to 17, but it requires an adult joint account holder.

How do I open a Kemba Elements Checking for Teens?

You’ll need to call Kemba Financial Credit Union at 614-235-2395 or visit a local branch to become a member and open an Kemba Elements Checking for Teens account.


Here’s who qualifies for a Kemba Elements Checking for Teens account.

  • A teen between the ages of 14 and 17.
  • An adult must be a joint owner on the account.
  • Meet credit union membership eligibility requirements:
    • Live, work, worship or attend school in a qualifying Ohio county.
  • Open a Kemba Savings account with a minimum deposit to become a member of the credit union.

Required information

You should have the following pieces of information handy when signing up.

  • Full name
  • Date of birth
  • Proof of residential address
  • Social Security number
  • Government-issued identification

What Ohio counties does Kemba Financial Credit Union serve?

Kemba extends membership to individuals and families who live, work, worship or attend school in:

  • Fairfield
  • Franklin
  • Licking
  • Madison
  • Union
  • Delaware
  • Logan

What are the benefits of Kemba Elements Checking for Teens account?

The Elements Checking account has some distinctive features that you and your teen will enjoy.

  • No minimum balance. Keep as much or as little cash in your account as you’d like.
  • No monthly fee. You won’t pay a dime to maintain your account each month.
  • Free overdraft protection. No fee to overdraft from your savings to your teen checking account.
  • Paper checks. Your teen can write as many checks as needed, but only their first package of checks is free upon request.
  • Free out-of-network ATMs. Your teen can make up to six out-of-network ATM transactions a month without worrying about paying a fee.

What should I look out for?

Take a look at a few drawbacks of the Kemba Elements Checking for Teens account.

  • Requires a savings account. Your teen will need to open a savings account to qualify for Kemba Financial Credit Union membership, which has a minimum deposit, before getting a checking account.
  • Converts to an adult account. After your child turns 18, the account converts to a Kemba Hassle-Free Checking account. There is no monthly fee until your child turns 24, after which a $6.95 monthly fee applies.
  • No financial education. While Kemba’s other accounts offer complimentary financial counseling and education resources, the Kemba Elements Checking for Teens doesn’t come with this perk.

Kemba’s ATM network and fees

Your teen can use any Kemba ATM or one of 5,500 shared branch locations to access their account. They can also use more than 50,000 free ATMs nationwide to withdraw or deposit cash.

Your teen can use an out-of-network ATM six times per month for free while they are 23 years of age and under. Otherwise, it’ll cost $2 per transaction.

Compare Kemba Elements Checking for Teens with other checking accounts

Compare other kids checking accounts by monthly fee, opening deposit and ATMs.

Sort by:
Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
.comparison-table__cellWrapper--mx { display: block;}Aspiration Spend & Save Account
Finder Rating: 3.8 / 5: ★★★★★
Aspiration Spend & Save Account Up to 1.00% $10 55,000 free in-network ATMs $0 Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days. Go to site
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.comparison-table__cellWrapper--mx { display: block;}Citibank® Account Package Citibank® Account Package 0.50% $0 No access to ATMs $2.50 Earn a $300 bonus after opening new eligible checking and savings accounts and completing required activities. Compare at Citi
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.comparison-table__cellWrapper--mx { display: block;}HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking 0.01% $0 Free to use at all ATMs in the US $0 Get a 3% cash bonus in the first six months (up to $600) or $450 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by June 30, 2021, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC. Go to site
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.comparison-table__cellWrapper--mx { display: block;}Chime Spending account
Finder Rating: 4.7 / 5: ★★★★★
Chime Spending accountN/A $0 38,000 fee-free ATMs nationwide $2.50 Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster. Go to site
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.comparison-table__cellWrapper--mx { display: block;}Axos Bank Essential Checking
Finder Rating: 5 / 5: ★★★★★
Axos Bank Essential CheckingN/A $0 ATM fees reimbursed at any ATM nationwide No fees. Unlimited domestic ATM fee reimbursements. Go to site
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How do I deposit or withdraw my money?

Kemba offers a variety of ways to access your cash from this teen account.

  • Mobile and online banking. Deposit checks, transfer funds and pay bills right from your smartphone or computer.
  • Mobile wallet. Connect Apple Pay, Samsung Pay or Google Pay with your debit card for a convenient shopping experience. These mobile wallets come with age restrictions, which vary by provider.
  • Check writing privileges. Write paper checks as often as you need.
  • Free ATMs. Deposit and withdraw cash at a surcharge-free ATM, Kemba ATM or Shared Branch location. Non-Kemba ATMs are subject to a five-day hold on cash deposits.

What other checking options does Kemba offer?

If the Kemba Elements Checking for Teens isn’t the right fit, consider a few of Kemba’s other checking options:

  • Hassle-Free Checking. There’s a $6.95 monthly fee unless you meet its account requirements, including an average daily balance of $500.
  • High Performance Checking. An interest-bearing account with an $8.95 monthly fee unless you have an average daily balance of $1,000 or more.
  • Fresh Start Checking. A checking account for individuals who may otherwise have difficulty qualifying for one because of your banking history. Monthly fees are either $8.95 or $10.95, depending on whether you have a direct deposit to Kemba.

How to contact Kemba customer service?

Get banking support by:

  • Calling 614-235-2395 to speak to a customer service rep on weekdays from 8 a.m. to 6 p.m. ET and Saturdays from 9 a.m. to 1 p.m. ET.
  • Emailing [email protected]
  • Starting a live chat with a representative on Kemba’s website on weekdays from 8 a.m. to 6 p.m. ET and Saturdays from 8 a.m. to 1 p.m. ET.
  • Stopping by a local branch for face-to-face help.
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