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Kemba Elements Checking for Teens

Qualify for this teen checking account by becoming a member and opening a savings account first.’s rating: 3.8 / 5.0


Kemba Elements Checking for Teens lets your child start managing money as early as 14 years old. It doesn’t have a minimum balance requirement, and you won’t see any monthly fees until your teen turns 24. But you’ll need to become a member, open up a Kemba Savings account and you can’t apply online.

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$0 per month



Minimum deposit to open


Fee$0 per month
Minimum deposit to open$0
ATMs50,000 free ATMs nationwide
ATM transaction fee$0
Out-of-network ATM fee$2

Review by

Kimberly Ellis is a writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.

Expert review

The Kemba Elements Checking for Teens might be a good option for your child if they’re between 14 and 17 and you’re a member. You won’t have to worry about a monthly fee or minimum opening deposit, and your teen can use up to six out-of-network ATMs a month for free.

But once your kid turns 18, the account converts into a Hassle-Free Checking account, and if they still have the account by age 24, they’ll have to pay a $6.95 fee. Also, unlike some other checking accounts for kids, this one doesn’t earn interest. For instance, the Alliant Credit Union Free Teen Checking account is free, has no minimum opening deposit and earns 0.25% APY, which is higher than KEMBA’s savings account.

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 $0 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 $0 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.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Finder Rating: 4.5 / 5: ★★★★★
You can withdraw money from our network of 30,000 ATMs for free.
Step banking accounts help teens and kids as young as age 6 to learn to manage money manage their money while building their credit scores. Earn $1 for every person that joins using your unique link or code. They'll also get $1.
Finder Rating: 4 / 5: ★★★★★
Copper is a digital checking account that teaches your teen healthy money habits through interactive quizzes and an intuitive mobile app. The teen also receives a free $5 when signing up and completing the savings goal.
Finder Rating: 4.2 / 5: ★★★★★
No access to ATMs
Jassby is a virtual debit card for kids, complete with chores and allowance tracking.
Axos Bank First Checking
Finder Rating: 3.5 / 5: ★★★★★
Axos Bank First Checking
Made for teens ages 13 to 17, this account earns 0.1% APY and has no monthly fees.
Current teen banking
Finder Rating: 4.8 / 5: ★★★★★
Current teen banking
over 40,000 fee-free in-network Allpoint ATMs in the U.S.
Current’s Teen Banking card allows parents to track their teens’ chores, allowance, and spending.Requires parent to have a Current account

Compare up to 4 providers

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
  • 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.

Checking account ratings

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★★★★★ — Average

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★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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