Exchange Club Account


To help you stay motivated to save, the Exchange Club Account increases your interest rate at tiered intervals. This exclusive account offers unlimited check writing,  free checks, and no charged fees on foreign ATMs – up to six transactions per month.

Benefits Include:

  • Overdraft protection plan
  • Interest rates are variable
  • Unlimited check writing
  • Free club checks, money orders, cashier’s checks*
  • Unlimited EB ATM usage
  • 6 non-Exchange Bank ATM transaction per month

Optional Benefit Plan:

For a small monthly fee, 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

Builder’s Club

Getting kids started on establishing their financial future starts with you. **Builders Club is an incentive based *program offered by Exchange Bank to children under the age of thirteen.

Kids 12 & under who visit an Exchange Bank and open a savings account with an initial deposit of $50.00 or more will be enrolled into the Builders Club program. They will receive a building block “piggybank” and an Exchange Bank Builders Club t-shirt. Kids with existing accounts are eligible to participate in the program and will receive a building block and t-shirt.

Elderly couple sitting at a table laughing together.

55 Club

Our 55 Club is designed for our customers aged 55 and better. Enjoy banking that focuses on the service and relationship building you deserve!

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 – 0.50% Annual Percentage Yield (APY) | $10,000.00-$24,999.99 0.90% APY | $25,000.00-$49,999.99 1.00% APY | $50,000.00-$74,999.99 – 1.15% APY | $75,000.00 and up – 1.25% APY

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