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Checking Accounts

Which account is in your best interest?

Routing Number 103105190
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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. 

EXB Everyday Checking
Open

EXB EVERYDAY CHECKING

This account is great for people that want the ability to write checks.

Features
  • Minimum Deposit to Open – $50.00
  • Minimum balance service charge of $5.00 if balance drops below $50.00
  • Unlimited Check writing
  • Tap-Pay MC Debit Card
  • Internet Banking
  • Bill Pay (first 10 are free)
  • Mobile Banking
  • E-Statements w/Check Images
  • Early Direct Deposit (when available)
  • AD&D coverage
  • Paper Statement – Available with additional charge
  • 24 Hour Telebanking
  • Real Time Debit Card Text Alerts!
EXB Interest Checking
Open

EXB INTEREST CHECKING

Be rewarded with interest!

Features
  • Minimum Deposit to Open – $100.00
  • Qualifications to open – Any ACH direct deposit
  • Service Charge (if qualifications are not met) – $7.00 per month (No charge in the 1st month)
  • Qualifications to waive service charge – $1,000 minimum balance
  • Qualifications to earn interest – To earn a Higher rate of interest: ACH/Direct Deposit per cycle & 20+ debit card transactions per statement cycle.
  • Tap-Pay MC Debit Card
  • Internet Banking
  • Bill Pay (first 10 free)
  • Mobile Banking
  • E-Statements with online check images (paper statements available with additional charge)
  • Early Direct Deposit (when available)
  • AD&D Coverage
  • 24 hour Telebanking
  • Real Time Debit Card Text Alerts!
Interest

Interest Checking: Interest is a variable rate and is subject to change. Balance of $20,000 or more, or the entire balance if qualifications are not met, will earn interest at the Tier 2 APY. Tier 1 interest rate must meet requirements per statement cycle. Average balance calculation. Fees may reduce earnings. Some restrictions apply. A minimum balance fee will be applied if balance falls below $1,000.

  • $0 – $19,999.99 Avg balance earns a higher Tier 1 rate
  • $20,000 or more entire avg balance earns (Lower Tier 2) or if requirements are not met. (variable rate based on avg. ledger balance per statement cycle)

 

EXB-E Checking
Open

EXB-E CHECKING

Paper free digital banking at it’s best!

Features
  • Minimum Deposit to Open – $50.00
  • Qualifications to open – Any ACH Direct Deposit & E-Statements
  • Service Charge (if qualifications are not met) – $3.00 per month
  • Qualifications to waive service charge – ACH Direct Deposit per cycle, 20+ Debit Card transactions per statement cycle, Active Internet Banking.
  • Check writing fee – $5.00 per check written
  • No minimum balance
  • E-Statements w/Check Images
  • Tap-Pay MC Debit Card
  • Internet Banking
  • Bill Pay (first 10 are free)
  • Mobile Banking
  • Early Direct Deposit (when available)
  • AD&D Coverage
  • 24 hour Telebanking
  • Real Time Debit Card Text Alerts!
EXB Senior Checking
Open

EXB SENIOR CHECKING

Easy checking for our senior account holders.

Features
  • Minimum Deposit to Open – $50.00
  • Qualifications to open – At least one account holder must be 50+ years of age
  • No service charge
  • No minimum balance
  • Check Writing – One free box of specialty checks twice a year, wallet or duplicate
  • Tap-Pay MC debit card
  • Internet Banking
  • Bill Pay (first 10 free)
  • AD&D Coverage
  • E-Statements with online check images and/or paper statements at NO CHARGE
  • Early Direct Deposit (when available)
  • 24 hour Telebanking
  • Real Time Debit Card Text Alerts!