Kemba customer service number — where to find it and how to use it effectively

Quick overview and where to locate the official number

If you are searching specifically for the Kemba customer service number, the safest and fastest route is to retrieve it from Kemba’s official channels: the front/back of your Kemba debit or credit card, the Kemba mobile app, your printed or electronic account statement, or the credit union’s official website (kemba.com). These channels deliver the authoritative phone numbers for general member service, lost/stolen card reporting, and branch-specific lines so you avoid fraud-risk phone numbers posted on third-party sites.

Always cross-check any phone number you find against at least one other official source. For example: match the number on your monthly e-statement with the contact shown in the app. If you are away from your documents, go directly to kemba.com and open the “Contact Us” or “Locations” page; official phone numbers and branch addresses are typically published there and updated in real time.

Which number to call and when

Kemba typically publishes separate numbers for general member service, loan support, and emergency card issues. Use the general member service number for account questions, online banking problems, membership inquiries, and routine requests. If you have a lost or stolen debit/credit card, call the card reporting or emergency hotline immediately — these hotlines are usually staffed 24/7 and may differ from the weekday-member-service line.

Plan your call for off-peak times to reduce hold time: weekday mid-afternoon (1:30–3:30 p.m.) and early evening after the typical 9–11 a.m. rush often have shorter queues. For urgent matters that require immediate action (unauthorized transactions, suspected identity theft, or fraud), use the emergency number or the in-app “lock card” function first, then follow up with the member service line to open a formal dispute.

What to prepare before you call

Gather the essential account information to speed resolution: your member or account number, full name as listed on the account, the last four digits of your Social Security number, the date of birth on file, and a current phone number or email address. For transaction disputes have the merchant name, transaction date and time, posted amount, and the device or method used (card present, card-not-present, ACH, Zelle, mobile deposit, ATM ID). A clear timeline of what happened and when will shorten verification steps.

Also have recent statements or screenshots ready in case the representative needs to reference a specific posted item. If you plan to authorize a service, know that many credit unions will require multi-factor verification (one-time passcode via SMS or a secure code from the mobile app) before discussing sensitive information — prepare to receive that code and enter it promptly.

Typical response times, dispute timelines and fees you should expect

Standard call-center response times for credit unions vary, but expect an initial hold of 2–15 minutes depending on time of day; complex issues can take up to 30–60 minutes in a single call if research is required. When you open a transaction dispute, most financial institutions will provisionally credit your account within 5–10 business days while they investigate, and a full investigation commonly completes within 30–90 days depending on the complexity and merchant cooperation.

Federal rules relevant to electronic fund and card disputes include Regulation E (electronic transfers) and Regulation Z (credit card billing errors), which generally require members to report errors within 60 days of the statement date for unauthorized charges. Replacement card fees vary: many credit unions waive standard replacement fees, while expedited shipping or overnight replacement can cost $10–$25 — verify any fees before requesting expedited service.

Escalation, written disputes and fraud prevention

If frontline customer service cannot resolve your issue, request escalation to a supervisor and obtain a case or reference number. For unresolved disputes, ask for instructions to submit a written dispute or affidavit; institutions typically provide a secure online form, secure message center in the app, or an email/fax destination. Keep copies of all correspondence and note the representative’s name, the date/time of each call, and the case number.

For identity theft, file a report with your local police and with the national credit-reporting agencies (Equifax, Experian, TransUnion). Place fraud alerts or credit freezes as appropriate and retain documentation to expedite remediation with Kemba. If the issue involves network card fraud (Visa/Mastercard), the card network’s zero-liability policies often apply once the card issuer is notified promptly.

Practical checklist before you call

• Member/account number, full name, DOB, last four SSN; recent statement or transaction screenshot.
• Specific transaction details: merchant, date, time, amount, ATM terminal ID (if applicable).
• Preferred contact method and availability window; note time zone for any escalation callbacks.
• Device used for login (mobile app, browser) and any error messages/screenshots for tech support.
• If reporting fraud: when card was lost/stolen, whether you locked it in-app, and police report number if filed.

Sample call script and what to ask for

Open the call with: “Hello, my name is [Full Name], my member number is [XXXXXX]. I’m calling about [lost card / unauthorized transaction / online access problem]. Can you verify my identity so I can provide details?” Request a case number or secure message reference immediately after the representative confirms the next steps. If you are disputing a transaction ask: “Will you provisionally credit my account, what documentation do you need from me, and what is your expected resolution timeline?”

Finish by asking for the representative’s name and direct extension or supervisor contact for follow-up. Always confirm any temporary measures they took (card block, provisional credit, temporary hold removal) and the exact date by which you should expect the next status update. Recording these details shortens future calls and strengthens your record should escalation be required.

What is the 24 hour customer service number for Servu credit union?

607-936-2493
24 Hour access to your account: Online: www.servucu.com. Telephone Teller: 607-936-2493 or toll free 888-733-2849.

What is your member number?

A member number is used to identify your overall relationship with the credit union and it is given to you when you first joined.

How to pay a KEMBA car loan?

Make one-time or recurring payments on your Kemba Loan the fast and easy way by using Kemba EZpay. All you will need to register is your Kemba account number and the last 4 of your Social Security Number. Get registered today to start making payments on your Kemba Loan the easy way!

What is the phone number for Kemba?

614.235.2395
If you believe your card is lost or stolen, or someone used your card without permission, please call us immediately at 614.235. 2395 or 800.282. 6420.

Do credit unions offer customer service?

There are many reasons why credit unions are not to be missed when evaluating options for your financial needs, and great customer service is one of the most important.

What is a KEMBA member number?

Member Number. *Please note, this is a 4-10 digit number that can be found on the bottom of your checks. If you have a 12-digit number, please disregard the first two digits.