Improved Branch Efficiency & Member Experience-SafeRecycling: KEMBA Credit Union

Service is at the heart of KEMBA’s cooperative mission so the credit union is always looking for ways to increase efficiencies and security.

KEMBA Credit Union is a leading member-owned financial cooperative located in the greater Cincinnati area. KEMBA, also known as Kroger Employee Mutual Benefits Association, was founded in 1933 by a group of employees from The Kroger Company – one of the largest retailers in the world today.

Today, KEMBA has nearly $1 billion in assets and serves more than 97,000 members, which include Kroger associates, employees of over 500 select employer groups, and communities throughout 24 counties in Ohio, Kentucky and Indiana.



KEMBA chose the Gunnebo SafeRecycling TCR7 teller cash recycler for its cash automation needs.

The TCR7 provides an efficient front-office solution for fast and secure cash processing.

The full-service, intelligent cash recycler automatically accepts, verifies, counts, and stores notes at the point of each transaction. The system is configured so that staff can quickly deposit and dispense cash themselves throughout the day.

The TCR7 also serves as a “virtual vault” for the branch. It stores cash in secure cassettes and recycles it back to the associates. The system keeps a constant check on cash levels and provides automatic reconciliation at the end of the day. This reduces the amount of cash in their drawers, eliminates frequent trips to the main vault and speeds end-of-day cash balancing.

Customer Benefits

  • Fast, secure and efficient cash management
  • Reduced cash-handling errors
  • 66% reduction in trips to the vault
  • Improved member service
  • 85% reduction in cash limits and exposure
  • Reduced time for end-of-day balancing and overtime costs
  • Increased security
  • Prevention of theft and loss

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