Checking Accounts

WHAT ACCOUNT IS IN YOUR BEST INTEREST?

When you entrust your money to a bank, you want to be sure it's in an account that's right for you. One that gives you the most for what you need. That's exactly why The Exchange Bank has so many accounts to choose from. From Regular Checking to Money Market to a Now account, you'll find the one account that has your best interest at heart. Interest bearing accounts may be subject to rate change.


SIMPLY FREE CHECKING

Description:
Simple hassle-free FREE Checking Account
 

Requirements

  • Minimum Deposit to Open - $50.00

Benefits

  • Monthly Maintenance Fee- FREE
  • No Minimum Balance Required
  • Non-Interest bearing account
  • No Excessive check charge
  • FREE ATM/DEBIT CARD
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Mobile Banking
  • FREE Estatements with online check images
  • FREE thank you gift
  • Buy Back of old checks and debit card

50+ Interest Checking

Description:
Available to customers who have at least one owner 50 years or over.

Requirements

  • Minimum Deposit to Open - $50.00

Benefits

  • Monthly service charge - FREE
  • Competitive Interest rate
  • FREE personalized checks
  • FREE ATM/DEBIT Card
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Mobile Banking
  • FREE eStatements with online check images
  • FREE Thank You GIFT
  • Buy Back of old checks and debit card

Direct Interest Checking

Description:
Available to customers who have a Direct Deposit.
 

Requirements

  • Minimum Deposit to Open - $50.00

Benefits

  • Competitive Interest rate
  • Monthly Service charge - FREE
  • FREE ATM/Debit Card
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Mobile Banking
  • FREE eStatements with online check images
  • FREE Thank You GIFT
  • Buy Back of old checks and debit card

Performance Interest Checking

Description:
Available to customers who maintain a balance of $1,500 or more in their checking account because they can earn a higher interest rate. 

Requirements

  • Minimum Deposit to Open - $50.00

Benefits

  • Higher interest rate paid on balance when a minimum of $1,500 is maintained
  • Competitive Interest rate paid on balance when balance falls below $1,500
  • Only a $1,500 daily minimum balance to avoid a monthly minimum balance fee
  • Monthly service charge - $10 if balance falls below $1,500
  • FREE personalized checks
  • FREE ATM/Debit Card
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Mobile Banking
  • FREE eStatements with online check images
  • FREE thank you GIFT
  • Buy Back of old checks and debit card

Simply Free Business Checking

Description:
Simple Non-Interest bearing business account designed for businesses that generate 1,000 or fewer monthly items (including checks paid, checks deposited, ACH debits, and ACH credits) including SOLE Proprietorships and Not-For-Profits that do not always have more than $1,500 in their account.
 

Requirements

  • Minimum Deposit to open - $50.

Benefits

  • Monthly Service charge - FREE
  • 1,000 FREE items per month
  • First $10,000 in cash (coin/currency) deposits FREE each month
  • Unlimited check writing
  • FREE ATM/Debit Card
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Mobile Banking
  • FREE eStatements with online check images
  • FREE thank you GIFT
  • Buy Back of old checks and debit cards

Business Interest Checking

Description - Interest bearing business checking account for businesses that always maintain more than $1,500 in their account and generate fewer than 1,000 items per month (including checks paid, checks deposited, ACH debits, and ACH credits).

Requirements 

  • Minimum Deposit to Open - $50

Benefits

  • Monthly Maintenance Fee - $5
  • No Minimum Balance Required
  • No Excessive check charge
  • Check Card/ATM Card-No Annual S/C
  • ATM Inquiry Fee – FREE
  • ATM Transactions at foreign ATM's - $1.50 ea.
  • Overdraft Protection …Up To $400.00, click here for details.
  • Free Online Bill Pay - Ask for Details

Commercial Checking

Description - Checking account designed for businesses that generate considerably more than 1.000 items per month (including checks paid, checks deposited, ACH debits, and ACH credits).

Requirements 

  • Minimum Deposit to Open - $50

Benefits

  • Monthly Service charge - $15
  • Items charged on per-item basis (all items) - only 15c per item
  • Cash (coint/currency) deposits only $.50 per $1,000
  • Activity fees may be offset by earnings credit allowance paid on the average ivestable balance.
  • Unlimited check writing
  • FREE ATM/Debit card
  • FREE Online Banking
  • FREE Bill Pay
  • FREE Mobile Banking
  • FREE eStatements with online check images
  • FREE Thank You GIFT
  • Buy back of old checks and debit cards