Exchange Bank offers a variety of BUSINESS CHECKING 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 five convenient branch locations. We want to build a relationship that last a lifetime.

Exchange Bank...YOUR Community Bank.

Please call Customer Service for Current Rate Information (478) 452-4531 or stop by and see one of Our Friend Customer Service Representatives.


Interest and Non Interest Accounts
Exchange Business Accounts

Regular Business Checking

  • $100 Minimum Deposit to Open
  • *$3.00 Minimum Balance Fee plus $0.30 debit item fee (per debit) if daily balance falls below $2,000 any day of statement cycle *Fee Waived with a Minimum Daily Balance $2,000 or more

Commercial Check Analysis

Service Charge is based on Commercial Checking Analysis System:

Limitations: Deposit Related Activity

  • $0.10 Items Deposited (per item)
  • $0.35 Per Deposit Fee

Cash Deposited: Specific Amounts

  • Coin:
    • $0.025 Rolled (per Roll)
    • $0.05 Unrolled (per Roll)
  • $0.10 Currency (per $100)
  • Return Items
    • $4.00 Charge Back (per item)
    • $3.00 Pick Up (per item)
    • $1.50 Holdover Return Items (per day)

Payment Related Activities

  • $0.15 Items paid (per item)
  • $35.00 Stop payments (each item)

Coin and Currency Order Preparation

  • $0.10 Specified accounts (per $100.00)

Other Miscellaneous Charges

  • $0.10 Cash Checks
  • $10.00 Credit Information (billed to Inquires)

Credit Balance:

  • Positive Balance: Average ledger balance minus average float minus bank’s reserve requirements multiplied by the earnings rate (prior month’s average of weekly 90 day T-Bill auction rates multiplied by 90%) divided by 12 months. Rate Revised Monthly.
  • Negative Balance: If the average collected balance is negative due to uncollected funds or overdraft situation, the customer is charged the percent age rate this is Prime Rate +3%. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Commercial Interest

  • Sole Proprietorships, Non-Profits and Governmental Units
  • $100 Minimum Deposit to Open
  • $0.10 Item Deposited (per item)
  • $0.35 Per Deposit Fee
  • $0.30 Items Paid (per item)
  • $6.00 Monthly Service Charge
  • Interest Bearing Account Compounded Monthly and Credited Monthly

Credit for Balance:

  • Positive Balance: Daily Collected Balance less Reserve Requirements times Commercial Interest Rate. Interest will not be earned on daily collected balance less than $500.00. Interest earned will be credited monthly and charges assessed will be debited monthly. (Credit will not be used as an offset against Analysis Charges.)

Corporate Interest Checking

  • Corporations, Partnerships, For-Profit Organizations
  • $100 Minimum Deposit to Open
  • $0.10 Item Deposited (per item)
  • $0.35 Per Deposit Fee
  • $0.30 Items Paid (per item)
  • $6.00 Monthly Service Charge
  • Interest Bearing Account Compounded Monthly and Credited Monthly

Credit for Balance:

  • Positive Balance: Daily Collected Balance less Reserve Requirements times Corporate Interest Rate. Interest will not be earned on daily collected balance less balance less than $500.00. Interest earned will be credited monthly and charges assessed will be debited monthly. (Credit will not be used as an offset against Analysis Charges.)

Commercial Money Market

  • $10,000 Minimum Deposit to Open
  • $9.00 Monthly Service Charge
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • Limitations: You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited. Six (6) debits are allowed per statement cycle. Any additional debits are $5.00 each.

Premium Commercial Money Market

  • $25,000 Minimum Deposit to Open
  • $9.00 Minimum Balance Fee
    *Fee Waived with Minimum Daily Balance of $25,000 or more
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • Tiered Interest Plans with a daily balance:
    • Less than $25,000
    • More than $24,999.99 but Less than $50,000
    • More than $49,999.99 but Less than $100,000
    • More than $99,999.99 but Less than $250,000
    • More than $249,999.99
  • 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.

Other Business Services

Cash Management

  • Monthly Fee: $30.00

ACH Origination

  • Each Payment: $5.00

Night Deposit Service

  • Annual Rental:
    • First bag: $25.00
    • Each Additional Bag: $18.00
  • Miscellaneous Charges:
    • Lost, stolen or mutilated bag: $25.00
    • Lost, stolen or mutilated key: $18.00

Rate Information for All Interest Bearing Accounts: The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for noncash items (for example, checks).

Balance Information for All Interest Bearing Accounts: We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Fees may reduce earnings for All Interest Bearing Accounts.