Exchange Bank offers a variety of Checking and Savings accounts for everyone.

Our experienced Customer Service Representatives are available to spend quality time with you to be sure you select the options that best meet your financial needs. We look forward to seeing you at one of our four convenient branch locations. We want to build a relationship that last a lifetime.

Exchange Bank... YOUR Community Bank.




Exchange Savings*
$100.00 deposit required to open this account.

Account Fees: A minimum balance fee of $15.00 will be imposed quarterly, unless you maintain either a minimum daily balance of $300.00 or a minimum average daily balance of $500.00 for the quarter.

The average daily balance is calculated by taking the total principal balance for each day, divided by the totals within that quarter. You must maintain a minimum daily balance of $200.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement

Limitations: You may make 6 transfers or withdrawal(s) from your account each month. Transaction limits include transfers from your savings account to another account or to third parties by pre-authorized, automatic, or telephone. In excess of 6 withdrawals per quarter (each) will be assessed a $5.00 debit item fee.

Exchange Money Market*
$100.00 deposit required to open this account.

Account Fees: A minimum balance fee of $9.00 will be imposed every month if the balance in the account falls below $2,000.00 any day of the statement cycle. If your minimum daily balance is $25,000.00 or more in any combination of checking, savings, or certificate of deposit, the service charge will be waived regardless of the balance in this account. We include any account that you have ownership, whether individual or joint, in calculating your total deposit relationship.

Limitations: You may make 6 transfers or withdrawals per statement cycle by check, debit card, or similar order payable to third parties. A $5.00 excess debit fee will be charged for each additional debit over 6 per month.

Interest is earned on the daily collected balance in the account as follows:

  • Tier 1—balances less than $25,000
  • Tier 2—$25,000—$49,999
  • Tier 3—$50,000—$99,999
  • Tier 4—$100,000+

New Horizons Checking**

  • 3 boxes of checks per year, no charge (additional charge for duplicate checks).
    After the 3 boxes, you will be charged the standard fee for the type of checks you order.
  • Free 3” x 5” x 22” safe deposit box (upon availability)
  • Free incoming wire transfer
  • Free third party bill pay
  • No fee for cashiers checks or money orders
  • Free ATM usage at other financial institutions
  • Free fax service
  • Free notary service
  • Free coin machine services
  • Free Medallion Signature guarantee

* Interest is earned on the daily collected balance. Interest rates are subject to change without notice.