Personal Banking

Banking

Exchange Bank has a wide variety of checking accounts to match any needs. We understand that each customer’s needs may be unique and try to provide an option that is viable for each and every customer. Browse the Account Type(s) below to see a detailed listing of specific product features.

No Minimum Balance Checking

  • No Minimum Balance
  • Free Unlimited Exchange Bank ATM Usage
  • Bill Pay & Popmoney Payments
  • Online Banking
  • Mobile Banking & Mobile Deposit
  • Free ATM/Debit Card
  • Free Online E-Statements1
  • Minimum Opening Balance $50.00

E-Banking Checking

  • No Minimum Balance
  • Free Unlimited Exchange Bank ATM Usage
  • Bill Pay & Popmoney Payments
  • Online Banking
  • Mobile Banking & Mobile Deposit
  • Free ATM/Debit Card
  • Free Online E-Statements1
  • Minimum Opening Balance $100.00

Basic Checking

  • Free Unlimited Exchange Bank ATM Usage
  • Optional Benefits Plan2
  • Bill Pay & Popmoney Payments
  • Online Banking
  • Free ATM/Debit Card Available
  • Mobile Banking & Mobile Deposit
  • Free Online E-Statements
  • Monthly Service Charge $5.001
  • Minimum Opening Balance $50.00

Exchange Club Checking Account

  • Unlimited Check Writing
  • Free Club Checks
  • Free Unlimited Exchange Bank ATM Usage
  • Interest Bearing Account
  • Optional Benefits Plan2
  • Bill Pay & Popmoney Payments
  • Online Banking
  • Free ATM/Debit Card Available
  • Mobile Banking & Mobile Deposit
  • Free Online E-Statements
  • 6 Free Non-Exchange Bank ATM Transactions Per Month.6
  • Monthly Service Charge $10.001
  • Average Daily Balance to Avoid Service Charge $1,000.00
  • Minimum Balance to Earn Interest $0.01
  • Minimum Opening Balance $1,000.00

1Additional account related fees or service charges may be assessed based on how you use the account, ask for more details. 2$20,000 Accidental Death Benefits. Benefits are split between account holders. One Identity IQ Protect Pro Plan, Identity Theft 911™. Shopping/Travel & Attraction Discounts. 3Consult your tax advisor regarding tax benefits. 4Federal Transaction Limitations will apply, ask for more details. 5A penalty may be imposed for early withdrawal of Certificate of Deposits and IRA Certificates. Interest is compounded quarterly on terms of 12 months or longer. Fees may reduce earnings on the account. 6If you use an ATM that is not operated by Exchange Bank, you may be charged a fee by the operator of the machine and/or by any network used. 7Account holders under the age of 19 are charged a reduced fee.

Money Market4

  • Interest Bearing Account
  • Online Banking
  • Free ATM/Debit Card Available
  • Mobile Banking & Mobile Deposit
  • Free Online E-Statements
  • Allowed 6 “withdrawals” or “preauthorized transfers out” every 3 months. Interest compounded quarterly.
  • Monthly Service Charge $10.001
  • Average Daily Balance to Avoid Service Charge $1,000.00
  • Minimum Balance to Earn Interest $0.01
  • Minimum Opening Balance $1,000.00

Savings4

  • Interest Bearing Account
  • Online Banking
  • Free ATM Card Available
  • Mobile Banking & Mobile Deposit
  • Free Online E-Statements
  • Allowed 6 “withdrawals” or “preauthorized transfers out” every 3 months. Interest compounded quarterly.
  • Monthly Service Charge $5.001
  • Average Daily Balance to Avoid Service Charge $50.00
  • Minimum Balance to Earn Interest $0.01
  • Minimum Opening Balance $50.00

Savings4,7

  • Interest Bearing Account
  • Online Banking
  • Free ATM Card Available
  • Mobile Banking & Mobile Deposit
  • Free Online E-Statements
  • Allowed 6 “withdrawals” or “preauthorized transfers out” every 3 months. Interest compounded quarterly.
  • Monthly Service Charge $5.001
  • Average Daily Balance to Avoid Service Charge $50.00
  • Minimum Balance to Earn Interest $0.01
  • Minimum Opening Balance $50.00

Christmas Club Account

  • Interest Bearing Account
  • Online Banking
  • Free ATM Card Available
  • Mobile Banking & Mobile Deposit
  • Free Online E-Statements
  • An easy way to make your holidays more affordable. The full balance is paid at maturity.
  • Minimum Balance to Earn Interest $0.01
  • Minimum Opening Balance $5.00

Certificate of Deposit5

  • Interest Bearing Account
  • Online Banking
  • The interest rate is locked for a specific amount of time. Interest is compounded quarterly. Tax Benefits3
  • Minimum Balance to Earn Interest $0.01
  • Minimum Opening Balance Varies

Certificate of Deposit IRA5

  • Interest Bearing Account
  • Online Banking
  • The interest rate is locked for a specific amount of time. Interest is compounded quarterly.
  • Minimum Balance to Earn Interest $0.01
  • Minimum Opening Balance Varies

1Additional account related fees or service charges may be assessed based on how you use the account, ask for more details. 2$20,000 Accidental Death Benefits. Benefits are split between account holders. One Identity IQ Protect Pro Plan, Identity Theft 911™. Shopping/Travel & Attraction Discounts. 3Consult your tax advisor regarding tax benefits. 4Federal Transaction Limitations will apply, ask for more details. 5A penalty may be imposed for early withdrawal of Certificate of Deposits and IRA Certificates. Interest is compounded quarterly on terms of 12 months or longer. Fees may reduce earnings on the account. 6If you use an ATM that is not operated by Exchange Bank, you may be charged a fee by the operator of the machine and/or by any network used. 7Account holders under the age of 19 are charged a reduced fee.

The documents listed below are available for download to help you switch your accounts from another Financial Institution to Exchange Bank.

The forms listed above, which are available for download are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.