KEMBA Indianapolis Credit Union will be closed on Friday, July 3,2026 to observe Independence Day.

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Account Protection Options

Life happens! If your KEMBA Indianapolis Credit Union checking account balance is lower than expected, KEMBA offers several account protection options that may help cover transactions and keep your account running smoothly. Choose the protections that work best for you.

Opt-In to Courtesy Pay
KEMBA Debit Card

Your Protection Choices

Overdraft Transfer

Uses available funds from your other KEMBA accounts.

  • Use your own money first
  • One free transfer per month*
  • Helps avoid Courtesy Pay fees
  • Easy to set up

Line of Credit

An approved credit line** for added protection.

  • Additional Flexability
  • Automatic coverage
  • Great backup option
  • Subject to credit approval

Courtesy Pay

Coverage for eligible transactions.

  • Up to $600 limit
  • $33 fee per paid item
  • Account must be brought back to a positive status within 30 days
  • Opt-in and approval required***

How Account Protection Works

  1. Checking Account Balance- We always use your eligible available balances first
  2.  Overdraft Transfer- Our system will automatically transfer** funds from one of your other share accounts
  3. Line of Credit- We use your available line of credit to post your transactions
  4. Courtesy Pay- Opt-in protection of last resort.

*Transfers from other KEMBA accounts automatically pulling funds to cover transactions are subject to a  $5 fee. One will be fefunded at month end.

**All Loans are subject to credit approval and underwriting criteria.

*** You must opt-in for Courtesy Pay. Eligible only with KEMBA checking accounts. See your KEMBA Indianapolis account disclosures for complete details.

Courtesy Pay Opt-In

Complete this form and a KEMBA representative will contact you regarding your request for Courtesy Pay. Thank you for your membership with KEMBA Indianapolis Credit Union!

  • This field is for validation purposes and should be left unchanged.
  • Best contact number incase we need to contact you regarding your registration request.
  • Only enter the last 3 digits of your member number. This is the number used to access your account at KEMBA and shared branch locations.
  • Enter the last 4 digits of the Primary Account owners SSN.
  • I am requesting to Opt-In to the KEMBA Courtesy Pay Program. I have read the disclosure and agree to the terms and conditions.

Apply for a Loan

Existing Members

Existing Members- Login to MyBranch online banking to complete the application.

Non Members

Not a member? Use this application to submit your loan request.

All loans are subject to credit approval and underwriting criteria. Membership with KEMBA is required. If you are a non member, applying for a loan will also initiate a membership application.