Checking Accounts – Exchange Bank

Premier Plus Checking

Access our highest level of benefits and enjoy maximum rewards with our exclusive, interest bearing account. As your qualifying balances grow, so do your benefits.

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.

Premier Plus Rewards Program

Premier Plus Checking offers three tiers of rewards. Your tier is based on your qualifying combined average daily balances in your Exchange Bank accounts.

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.

Silver

At $25,000 – $49,999 in combined average daily balances, you will receive:

$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)

Gold

At $50,000 – $99,999 in combined average daily balances, you will receive:

$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)

Platinum

At $100,000 or more in combined average daily balances, or when you are an Exchange Bank Trust & Investment client, you will receive:

$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)

Premier Plus Rewards Program Disclosures (1, 2, 3)

When you have our Premier Plus Checking account and you keep $25,000 or more/greater in combined personal deposit balances with Exchange Bank, you will receive rewards when you fund an Exchange Bank mortgage or a mortgage with one of our broker affiliates, receive special discounts on our consumer loans (restrictions apply), and you will automatically receive a rate increase on your money market and savings accounts.

Evaluation of Exchange Bank’s preferred customer status of Silver, Gold or Platinum is calculated three days before your cycle date. The balances are based on an individual’s combined average daily personal deposit balances. Combined balances are calculated using the current statement cycle at the close of business day three days prior.

¹Premier Plus Rewards Program Mortgage Reward
An Exchange Bank Premier Plus Checking account customer with a preferred status code (Silver, Gold or Platinum) who opens a new Exchange Bank (or affiliated broker) consumer residential mortgage for purchase or refinance (excludes reverse mortgages, construction mortgages and modifications) will receive an award based on the preferred status of customer’s Premier Plus checking account by the 15th day of the following month, after the mortgage has funded. For example, if a loan funds on January 10th, a report will run the first week of February to determine if the customer qualifies for the preferred status reward. If qualified on the report date, the reward funds will be deposited into the customer’s Premier Plus checking account by February 15th. Only one reward per funded mortgage. Only one reward per individual per calendar year. May not be combined with any other offer(s).

²Premier Plus Rewards Program Consumer Loan Discount Reward
The Exchange Bank consumer loan discount is available to Premier Plus Checking account customers who have a combined average daily personal deposit balance of $25,000 or greater, at the time the Exchange Bank consumer receives final loan approval. If the customer qualifies, the 0.25% discount will be reflected in the APR. Eligible accounts for discounts are new secured consumer credit accounts and Purchase Power accounts. This reward may not be combined with any other offer(s).

³Premier Plus Rewards Program Personal Savings and Money Market Reward
In order to receive a bonus rate on personal savings or personal Money Market accounts, a customer must have an Exchange Bank Premier Plus Checking account AND $25,000 or greater in total combined average daily personal deposit balances. If a customer qualifies for a bonus rate at the time the Savings or Money Market account cycles, the rate variance will be reflected in the APY in the next statement cycle.

The bonus rate is a variable rate based on the eligible preferred customer status obtained. Status is obtained based on the customer’s combined personal deposit balances. The interest rate and annual percentage yield may change as often as daily at our discretion. We may change the reward bonus rate at any time and we may set the rate for each tier in any amount. The bonus rate is applied to the applicable interest rate and/or interest rate tiers for eligible personal Savings and Money Market accounts. The Savings and Money Market bonus rate adjustment increases the Savings and Money Market standard rates by no less than, and may be higher: 0.01% for Silver tier; 0.02% for Gold tier and 0.03% for Platinum tier. See rate sheet for current rates. This may not be combined with any other offers.

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Overdraft Protection

Everyday Checking

Life is complicated—your checking account doesn’t have to be.

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.

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MyCash Checking

Managing money is a big responsibility—give your child a head start with a checking account that builds confidence and the foundation for success in the future.

Learn More about a MyCash checking account

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