Checking Accounts
Find the right checking account for you.
Checking Benefits:
- EB online banking, mobile banking and bill pay
- Access to over 55,000 Allpoint ATMs worldwide
- Unlimited cashier’s checks
- Fee waived for smallest safe deposit box (up to $33) or $33 discount on larger size box (based on availability)
- Fee waived for incoming domestic wires
- Pre-printed standard/personal checks (for associated account only)
- Fees waived for other select services
$20 monthly maintenance fee is waived with any of the following:
- Direct deposits of $2,000 or more
- Combined average daily deposit balances of $25,000 or greater*
- Combined loan balances of $25,000 or greater*
- Customers with Exchange Bank’s Trust & Investment Management Group will receive maintenance fee waivers on this account as long as they maintain their account relationship with this group.
* You must designate the deposits or loan accounts to link for pricing. We will calculate the combined balance three days prior to your statement cycle date. We will use use the prior statement cycle average daily balance of the linked account.
As your qualifying balances grow, so do your rewards. Once enrolled, we’ll move you up automatically when your balances qualify you for the next tier.

- $200 reward when you fund a new Exchange Bank mortgage1
- 0.25% discount on a new secured consumer loan or new Purchase Power Account2
- A rate increase on new or existing money market and savings accounts3 (see current rate sheet)

- $300 reward when you fund a new Exchange Bank mortgage1
- 0.25% discount on a new secured consumer loan or new Purchase Power Account2
- A rate increase on new or existing money market and savings accounts3 (see current rate sheet)

- $500 reward when you fund a new Exchange Bank mortgage1
- 0.25% discount on a new secured consumer loan or new Purchase Power Account2
- A rate increase on new or existing money market and savings accounts3 (see current rate sheet)
Get all of the features you need without all of the fuss. Anytime, anywhere banking puts your finances at your fingertips. And with so many ways to avoid the monthly maintenance fee, that’s peace of mind you can bank on.
Active account users and direct deposit customers will find it easy to avoid the $10 monthly maintenance fee if any one or more of the following occurs during the statement cycle:
- 10 or more POS transactions
- Direct deposits of $500 or more
- Average daily balance of $1,500 or greater
- Combined average daily deposit balances of $5,000 or greater*
- Combined loan balances of $5,000 or greater*
- Customers with Exchange Bank’s Trust & Investment Management Group will receive maintenance fee waivers on this account as long as they maintain their account relationship with this group.
Benefits:
- EB online banking, mobile banking and bill pay
- Access to over 55,000 Allpoint ATMs worldwide
* You must designate the deposits or loan accounts to link for pricing. We will calculate the combined balance three days prior to your statement cycle date. We will use use the prior statement cycle average daily balance of the linked account.