Exchange Bank Personal Checking customer seated at studio desk space.

Personal Checking

Explore Checking Accounts

Access your money, when and where you need it.

Everyday CheckingPremier Plus Checking
$100 minimum opening deposit$100 minimum opening deposit
Mobile1 & online bankingMobile1 & online banking
Online check images & electronic statementsOnline check images & electronic statements
Mobile check depositMobile check deposit 
Bill payBill pay
Email & text2 alertsEmail & text2 alerts
Zelle® 3Zelle® 3
Direct deposit Direct deposit 
Access to 55,000 Allpoint ATMs worldwide4Access to 55,000 Allpoint ATMs worldwide4
 Earns interest (see rates)
 Discount on check orders5
 Complimentary cashier’s checks
 Complimentary small safe deposit box (or discount on larger boxes)
 Incoming wire transfer fees waived
 Premier Plus Rewards Program
$10 monthly maintenance fee6$20 monthly maintenance fee6

Overdraft & Overdraft Fees - Personal

Premier Plus Rewards Program

Earn more with your checking account. Tiers are based on qualifying combined average daily ledger balances in your accounts.

Open Account

My Cash Checking

Managing money is a skill. Give your teen a head start that builds confidence and carries them into their adulthood. Perfect for ages 13-25. 

  • $20 minimum opening deposit
  • No monthly maintenance fees
  • Debit card to make purchases online or at stores
  • Online and mobile banking1
  • Account co-owned by parent or guardian for ages 13-17
  • Set up online recurring or one-time transfers for your teen’s allowance or spending money 
  • Set up online email or text2 alerts to monitor spending activity 
  • Online bill pay for 18+
  • Zelle®3
  • Rebate of up to $8 per month for ATM withdrawal fees charged by other banks

What else can we help you with?

Savings Accounts

Plan ahead and start earning interest today. 

  • Tiered rates available
  • CDs & Money Market 

Home Loans

Find a solution that makes sense for your next move.

  • Home equity line of credit
  • Interest-only mortgage

Personal Overdraft Services

Everything you need to know about overdraft services and fees.