A membership that goes beyond banking.

*To be a 55 Club Member, you must be 55 or over and have an Exchange Club checking account.

55 Club
Membership Perks

  • All-inclusive trips and tours
  • Special events during the holidays
  • Quarterly newsletter with insider tips and upcoming events

Exchange Club Checking Account Benefits

Our Exchange Club checking account is a tiered interest rate checking account that rewards you with higher rates the more you save. Not only does this account help your money grow faster but it also comes with extra benefits like free checks to make sure your money is working for you.

  • Variable interest rates
  • Compounded daily, paid monthly
  • Free club checks, money orders, and cashier’s checks*
  • Unlimited check writing
  • Overdraft protection plan
  • Unlimited Exchange Bank ATM usage
  • Six free non-Exchange Bank ATM transactions per month

*Must be a 55 club member for free money order and cashier’s checks. 

Optional Benefit Plan

For a small monthly feee, you can opt in to benefits that provide a little extra security for some of life’s uncertainties.

  • $20,000 accidental death benefits
  • One Identity IQ Protect Pro plan (normally $29.99/mo.)
  • Identity Theft 911 through Cyber Scout
  • Travel assistance services
  • Shopping/travel/entertaining discounts and coupons for popular merchants nationwide

Apply online for your Exchange Club checking account in as little as 5 minutes

Apply Now

You must deposit $1,000 to open this account. 

Per Statement Cycle requirements: *Fees: $10 if average daily balance falls under $1,000.00; overdraft fees when applicable; $4 for optional benefits but is reduced to $2 when enrolled for e-statements.

Rate May Change. APY effective publication date.

*Must be a 55 club member for free money order and cashier checks.

Average Daily Balances of:
$0.01-$9,999.99 – 0.20% Annual Percentage Yield (APY) | $10,000.00-$24,999.99 0.40% APY | $25,000.00-$49,999.99 0.50% APY | $50,000.00-$74,999.99 – 0.65% APY | $75,000.00 and up – 0.75% APY

Fees may be charged to the account which could reduce earnings.