Don't be just another number, be a valued customer at this great credit union. Kemba has several locations throughout Cincinnati, but they also offer telephone and web banking. The branch I frequent has such a small town feel, but don't be fooled, Kemba is very professional. Members are treated like valued customers, not just another client. Checking is free, with unlimited check writing. nd use on-line banking to pay you bills from your PC. What could be easier?