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Personal Checking Comparison

We have a checking account that’s right for you.

Features and Benefits
Everyday Checking

Simple checking account with multiple ways to avoid the monthly maintenance fee

Premier Plus Checking

Top-tier, interest bearing account offering the highest level of benefits and rewards

Online banking Included
Included
Mobile banking Included
Included
Mobile check deposit Included
Included
Bill payment Included
Included
Electronic statements Included
Included
Email and text alerts Included
Included
Online check image Included
Included
Person to person pay Included
Included
Direct deposit Included
Included
Access to over 55,000 Allpoint ATMs worldwide Included
Included
Earn interest on balances Not Included Included
Standard personal checks (for associated account only) Not Included Included
Small safe deposit box or discount on larger size box (up to $33.00/year)(a) Not Included Included
Unlimited cashier’s checks Not Included Included
One overdraft transfer fee waived per statement cycle Not Included Included
Fee waived for incoming domestic wires Not Included Included
Premier Plus Rewards Program Not Included Included
Monthly Maintenance Fee
Waived if any of the following occur during the statement period:
  • Direct deposits of $500 or more or
  • Combined average daily deposit balances of $5,000 or greater(b) or
  • Combined loan balances of $5,000 or greater(b) or
  • 10 or more POS transactions or
  • Average daily balance of $1,500 or greater
  • Customers with Exchange Bank’s Trust & Investment Management group will receive maintenance fee waivers on this account as long as they are associated with this group
Waived if any of the following occur during the statement period:
  • Direct deposits of $2,000 or more or
  • Combined average daily deposit balances of $25,000 or greater(b) or
  • Combined loan balances of $25,000 or greater(b)
  • Customers with Exchange Bank’s Trust & Investment Management group will receive maintenance fee waivers on this account as long as they are associated with this group
Otherwise, monthly maintenance fee is: $10 $20
  1. Based on availability
  2. You must designate the deposits or loan accounts to link for pricing. We will calculate the combined balance 3 days before your cycle date. We will use the prior statement cycle average daily balance of the linked account.

Premier Plus Rewards Program*

SILVER

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

  • $200 reward when you fund a new Exchange Bank mortgage(1,2,5)
  • 0.25% discount on a new secured consumer loan or new Purchase Power Account(1,3,5)
  • A bonus rate on new or existing money market and savings accounts(1,4)

GOLD

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

  • $300 reward when you fund a new Exchange Bank mortgage(1,2,5)
  • 0.25% discount on a new secured consumer loan or new Purchase Power Account(1,3,5)
  • A bonus rate on new or existing money market and savings accounts(1,4)

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 mortgage(1,2,5)
  • 0.25% discount on a new secured consumer loan or new Purchase Power Account(1,3,5)
  • A bonus rate on new or existing money market and savings accounts(1,4)
  1. Requires a Premium Plus checking account
  2. Cannot be combined with any other offers.
  3. For residential mortgages only. Limited to one reward per funded mortgage. Only one reward per individual per calendar year.
  4. Loans subject to credit approval.
  5. The bonus will be applied to the standard rate and will be no less than 0.01% for Silver; 0.02% for Gold; and 0.03% for Platinum and may be higher.
  6. Subject to credit approval.

MyCash Checking**

MyCash Checking offers customers ages 13 through 25 an introduction to banking.

Features and Benefits

  • Online banking
  • Mobile banking
  • Mobile check deposit
  • Bill payment***
  • Electronic statements
  • Email and text alerts
  • Online check image
  • Person to person pay
  • Direct deposit
  • Access to over 55,000
  • Allpoint ATMs worldwide
  • ATM card available upon request.
  • Up to $8 rebated per statement cycle for ATM cash withdrawal fees charged by other banks.

No Monthly Maintenance Fee

  1. Note: If a minor under age 18 requests to open a checking, savings, or money market savings account, then a parent or legal guardian MUST be named as a joint account holder.
  2. Not available for customers under age 18.
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