Skip to contentSkip to footer

Personal Savings Comparison

Open an account

Ready to open an account? Find the location nearest you.

Visit A Branch
Account type options Regular Savings Signature Plus Savings Personal Money Market Personal Certificate of Deposit
Features Regular Savings Features
  • Interest bearing
  • California Uniform Transfers to Minors Act (CUTMA) accounts available
 Signature Plus Savings Features
  • Interest bearing
 Personal Money Market Features
  • Interest bearing
  • Check writing
  • Debit card access
 Personal Money Market Features
  • Interest bearing
  • Fixed interest rate for the term
Minimum opening deposit $1001 $500 $1,000 $1,000
Monthly maintenance fee2 $3 $25 $12 No monthly maintenance fees
No monthly maintenance fee when you meet one of the following requirements during the monthly account cycle Regular Savings
  • Maintain a daily minimum ledger account balance of $300 or more
  • Combined average daily ledger balance of $500 or more in related deposit balances3
  • Maintain an account relationship with Exchange Bank Trust and Investments
  • Is a California Uniform Transfers to Minors Act (CUTMA) account
 Signature Plus Savings
  • Average daily ledger account balance of $50,000 or more
  • Combined average daily ledger balance of $50,000 or more in related deposit balances3
  • Maintain an account relationship with Exchange Bank Trust and Investments
 Personal Money Market
  • Average daily ledger 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 a banker for more information.

Specialized, Flex, and IRA CD products are also available. Speak with a 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 banking4
  • Account co-owned by parent or guardian for ages 5-17
  • Set up online re-occurring or one-time transfers to grow your child’s savings
  • Set up online text alerts5 to monitor activity
1There is no minimum if you are opening a California Uniform Transfer to Minors Act (CUTMA) account.

2The monthly maintenance fee is waived for the first two account cycles after opening the account.

3You must designate the deposit accounts or certificate of deposit accounts you want us to link to your account for combined balance waivers. For each designated linked account, the period of time that we use as the basis for calculating the balance, and the day that we use to determine the balance may be different from the monthly account cycle of the benefiting account. The combined balances will be calculated three days before the monthly account cycle date of your account to determine eligibility for maintenance fee waiver.

4You agree that, when you use Mobile Banking Services, you remain subject to the terms and condition of your existing agreements with any unaffiliated service providers, including, but not limited to your mobile service provider. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charged imposed on you by your mobile service provider), and you agree to be solely responsible for all such fees, limitations and restrictions. You also agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems pertaining to your Wireless Access Device or mobile services with your provider directly.

5Message and data rates may apply. Check with your mobile provider.
Loading
Frank in a circle
Leaving so soon?
You are leaving ExchangeBank.com and entering a website that Exchange Bank does not control. Exchange Bank has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.
Continue
Cancel
Online Banking Update
Cancel
Continue