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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
Debit card with 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) Not Included Included
Unlimited cashier’s checks Not Included Included
One overdraft transfer fee waived per statement cycle Not Included Included
Unlimited 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 or
  • Combined loan balances of $5,000 or greater or
  • 10 or more POS transactions or
  • Average daily balance of $1,500
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 or
  • Combined loan balances of $25,000 or greater
Otherwise, monthly maintenance fee is: $10 $20

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
  • 0.25% discount on a new secured consumer loan or new Purchase Power Account
  • A bonus rate on new or existing money market and savings accounts

GOLD

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

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

PLATINUM

At $100,000 in combined average daily balances, you will receive:

  • $500 reward when you fund a new Exchange Bank mortgage
  • 0.25% discount on a new secured consumer loan or new Purchase Power Account
  • A bonus rate on new or existing money market and savings accounts

MyCash Checking

MyCash Checking offers customers between the ages of 13-25 an introduction to banking with a checking account free of monthly maintenance fees.

Features and Benefits

  • Online banking
  • Mobile banking
  • Mobile check deposit
  • Bill payment
  • Electronic statements
  • Email and text
  • Online check image
  • Person to person pay
  • Direct Deposit
  • Debit card with access to over 55,000
  • Allpoint ATMs worldwide
  • Debit card (ATM $100, POS $250 per day). ATM card available upon request.
  • Debit card ATM Fee Reimbursement – Up to $8 rebated per statement cycle for cash withdrawal fees and up to two balance inquiry fees rebated for other bank’s ATM fees. ATM card and currency conversion fees may apply.

No Monthly Maintenance Fee

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