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Signature Checking

Exchange Bank’s Signature Checking Account offers the following:

  • Minimum opening deposit: $100
  • Monthly maintenance fee: $20.00
  • Maintenance fee waived if any one of the following is met:
    • $5,000 average daily balance or more or
    • $10,000 average daily balance or more in combined checking and linked personal deposit account(s) or
    • $20,000 average daily balance or more in combined checking and linked deposit account(s)and outstanding loan balances on a linked personal loan
  • Signature Benefits:
    • Other banks’ ATM fees, nationwide will be rebated up to $12 per monthly statement cycle
    • Smallest safe deposit box at no cost or $33 discount on larger size box
    • Up to 10 cashier checks per month at no charge
    • Up to 2 stop payment requests per month at no charge
    • And more!

Choice Checking

Exchange Bank’s Choice Checking Account offers the following:

  • Minimum opening deposit: $100
  • Monthly maintenance fee: $10.00 (reduced to $5.00 when you make 20 or more POS (point of sale) debit card purchases during the statement cycle)
  • Maintenance fee waived if any one of the following is met during the statement cycle:
    • Average daily balance of $1,000 or more or
    • Average daily balance of $5,000 or more in combined checking and linked personal deposit account(s) or
    • Have monthly direct deposits of $750 or more made to your account

Go Green! Checking

Exchange Bank’s Go Green! Checking Account for customers that prefer to do their banking through electronic channels.

  • Minimum opening deposit: $100
  • Monthly maintenance fee: $6.00 (reduced to $4.00 when you receive electronic statements)
  • Maintenance fee waived when you have both of the following during the statement cycle:
    • Have monthly direct deposit(s) of $250 or more made to your account and
    • Make 10 or more POS (point of sale) debit card purchases
  • Processing Fee for each check presented: $1
  • Other banks’ ATM fees, nationwide, will be rebated up to $8 per monthly statement cycle
Essential Checking

Exchange Bank’s Essential Checking Account offers the following for customers 62 years of age and older or active military personnel:

  • Minimum opening deposit: $100
  • Monthly maintenance fee: $5.00
  • Maintenance fee waived if any one of the following is met:
    • Average daily balance of $750 or more in your checking or
    • Have monthly direct deposit(s) of $400 or more made to your account

Money Market Investments

Exchange Bank’s Money Market Investment Account allows flexibility and liquidity while earning a competitive rate of interest:

  • Tiered Interest rates depending on balance maintained
  • Interest calculated daily and paid monthly
  • Minimum opening deposit: $1,000
  • Monthly maintenance fee: $12 (waived with $2,500 average collected balance)

Regular Savings

Exchange Bank’s Regular Savings Account offers maximum flexibility.

  • Competitive interest compounded daily and credited quarterly
  • Minimum opening deposit: $100
  • Monthly Maintenance Fee: $3.00
  • Maintenance Fee is waived when you meet one of the following requirements during the monthly period:
    • Minimum balance of $300 in your account or
    • Combined average daily balance in your savings and linked checking of $500 or more

Investment Certificates of Deposits

Our Investment Certificates of Deposit are the perfect and convenient way to save for a rainy day.

  • Minimum opening deposit: $1,000
  • Terms: 6 months to 3 years