Personal Savings

Grow Your Money

Save more, earn more.

Find the right option for your goals.

Regular Savings

Signature Plus Savings

Personal Money Market

Certificates of Deposit 

Interest bearing

California Uniform Transfers to Minors Act (CUTMA) accounts available

Interest bearing

Interest bearing

Check writing

Debit card access 

Interest bearing

IRAs available (fixed and variable interest rates)

$100 minimum opening deposit1$500 minimum opening deposit$1,000 minimum opening deposit$1,000 minimum opening deposit2
$3 monthly maintenance fee3$25 monthly maintenance fee3
 
$12 monthly maintenance fee3No monthly maintenance fees4

No monthly maintenance fee when you meet one of the following requirements during the monthly account cycle:

  • Maintain a daily minimum ledger account balance of $300 or more
  • Combined average daily ledger balance of $500 or more in related deposit balances5
  • Maintain an account relationship with Exchange Bank Trust and Investments
  • Is a California Uniform Transfers to Minors Act (CUTMA) account

No monthly maintenance fee when you meet one of the following requirements during the monthly account cycle:

  • Average daily ledger account balance of $50,000 or more
  • Combined average daily ledger balance of $50,000 or more in related deposit balances5
  • Maintain an account relationship with Exchange Bank Trust and Investments

No monthly maintenance fee when you meet one of the following requirements during the monthly account cycle:

  • Average daily ledger account balance of $2,500 or more
  • Maintain an account relationship with Exchange Bank Trust and Investments
 
Transaction limitations: An excessive withdrawal fee (Excess Withdrawal) of $15 is charged for each withdrawal if there are more than six withdrawals or transfers per monthly account cycle. You may make unlimited withdrawals and transfers to your other Exchange Bank deposit accounts each monthly account cycle at any branch or at an Exchange Bank ATM.Transaction limitations and penalties may apply. Speak with your banker for more information

 

My Cash Savings

Start early and help your child build healthy habits that carry them through to adulthood. Open their first account today. Perfect for ages 5-25.

  • No minimum opening deposit
  • No monthly maintenance fees
  • Online and mobile banking6
  • Account co-owned by parent or guardian for ages 5-17
  • Set up online recurring or one-time transfers to grow your child’s savings
  • Set up online text alerts7 to monitor activity 

ICS® or CDARS®
Additional FDIC Deposit Insurance

With ICS® or CDARS®, you can access multi-million-dollar FDIC protection on deposits placed in money market deposit accounts and CDs—all through Exchange Bank. To learn more, visit any branch or call 707.524.3000.

See more of what we offer.

Introducing Zelle®

Safe, secure way to send money to friends and family.

  • Send money in minutes
  • Protects personal info 
  • Convenient and easy

Personal Loans

Competitive rates and personal service from local lenders.

  • Mortgage & home equity
  • Line of credit & overdraft protection
  • Auto loans