Competitive tiered APY with minimum average balances.* $2,499.99 or less (APY: 0.50%) | $2,500.00 to $9,999.99 (APY: 0.65%) | $10,000.00 to 19,999.99 (APY: 1.00%) | $20,000.00 and up (APY: 1.25%).

Must have a Direct Deposit (Payroll or Social Social Security)

$1,000 minimum opening deposit. This Account is an interest bearing account. The Interest Rate and Annual Percentage Yield may change after account opening. The Interest Rate and Annual Percentage Yield are current as of the date of this publication. Fees may be charged to the account, which could reduce earnings. Offer may expire without notice. Average Daily Balance. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. If the minimum Average Daily Balance is not maintained, account fees may be assessed. Contact an Exchange Bank for details. The Platinum Checking account is a tiered interest rate account. Contact Exchange Bank for details regarding minimum average daily balance and additional tier interest rates on the Platinum Checking Account. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state or local taxes on this offer. Lincoln and Salina Branches only. Exchange Bank employees are not eligible for the cash bonus.

Per Statement Cycle requirements:

*Must sign up for E-Statements to receive a $10 one-time bonus.

**Direct Deposit must be deposited into the Platinum Checking Account within 90 days to be eligible for the one-time cash bonus. Direct Deposit must be recurring.

Bonus requirements:

***To qualify for the referral bonus, you must meet all Referral requirements:

You must currently have an active Account with Exchange Bank. Your referred friend must open and fund a new Checking Account with new funds. New Funds are defined as funds that did not originate from another Exchange Bank account. Terms and conditions subject to change without notice. Customer will not earn a Referral Bonus if they refer themselves and open multiple accounts with Exchange Bank. An Eligible Referred Friend will not earn a Referral Bonus if the Eligible Recipient has or had an existing funded Exchange Bank account or is declined. Referred Friends are only eligible for one Referral Bonus regardless of whether they open and fund multiple accounts. Must be new funds to receive Refer-a-Friend credit. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state or local taxes on this offer. Exchange Bank reserves the right to limit each customer to one new account-related gift incentive per calendar year.