Choose the checking account that is just right for you, your needs, your budget, your lifestyle. All accounts are FDIC Insured, offer unlimited check writing, and online banking at no additional charge. The Exchange Bank’s technology also includes a check imaging system, which provides you with a simple, organized storage and retrieval system for your banking records. Monthly maintenance fees are outlined below. See rates & fees for information on other applicable charges.

Basic Checking

The ideal account for the budget minded individual. Write all the checks you want with no minimum balance requirements. Monthly maintenance fee is $3.00. You need just $100.00 to open the account. See rates & fees for other applicable charges.

Regular Checking

Write all the checks you want. No limit. No monthly maintenance fee as long as you maintain a minimum daily balance of $500.00. If the account balance falls below $500.00 any time during the monthly statement cycle, the monthly maintenance fee is $5.00. You need just $100.00 to open the account. See rates & fees for other applicable charges.

Interest Checking

Interest is paid on the average available balance with no limit on the number of checks you write. Rate is tiered, based on the balance. There is no monthly maintenance fee as long as you maintain a minimum daily balance of $500.00. If the account balance falls below $500.000 at any time during the monthly statement cycle, the monthly maintenance fee is $8.00. You need just $500.00 to open the account. For current interest rate information and other applicable charges, refer to rates & fees.

Prime Time Checking

Available to customers age 55 and over. No minimum balance requirements and no limit on the number checks you can write. No charge for Travelers Checques. No monthly maintenance fee. You need just $100.00 to open the account. See rates & fees for other applicable charges.

Student Checking

No minimum balance requirements and no limit on the number of checks you can write. No monthly maintenance fee. You need just $100.00 to open the account. See rates & fees for other applicable charges.