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 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 friendly Customer Service Representatives.


Exchange Personal Checking
Non Interest Accounts

Exchange Solutions

  • $100 Minimum Deposit to Open
  • $6.00 Monthly Service Charge or $5.00 Monthly Service Charge with E-Statements
  • No Transaction Limitations Apply
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements

Exchange Checking

  • $100 Minimum Deposit to Open
  • *$6.95 Monthly Minimum Balance Fee imposed every statement cycle
    • Fee waived with a Minimum Daily Balance of $500
    • Fee waived with a Minimum Daily Balance of $5,000 or more in any combination of Checking, Savings, and/or Certificate of Deposit that you have ownership, whether individual or joint
  • You may make 25 Withdrawals from your account every statement cycle
  • After the allowed 25 debits, a $0.30 debit item fee per item will be imposed
    • Fee waived with A Minimum Daily Balance of greater than $500
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements

Smart Start Checking

  • $100 Minimum Deposit to Open
  • You Must Present A Valid Student ID
  • No Transaction Limitations Apply
  • Upon Graduation Date, your account will be converted to an Exchange Solutions Account and you will receive a disclosure with new account terms
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements

Exchange Advantage

  • Age 60 or Better
  • $100 Minimum Deposit to Open
  • No Service Charge
  • No Transaction Limitations Apply
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements

Exchange Personal Checking
Interest Accounts

Exchange Interest

  • $100 Minimum Deposit to Open
  • No Transaction Limitations Apply
  • Tiered Minimum Daily Balance with Minimum

Balance Fee is calculated as follows:

Minimum Daily Balance Minimum Balance Fee
$0-$999.99 $7.95*
$1000-$1999.99 $5.95*
$2000 or more Fee is waived

* Fee waived with A Minimum Daily Balance of $10,000 or more in any combination of Checking, Savings, and/or Certificate of Deposit that you have ownership, whether individual or joint

  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements

Exchange Interest +

  • $5,000 Minimum Deposit to Open
  • No Transaction Limitations Apply
  • *$10 Minimum Balance Fee Every Statement Cycle
    • Fee Waived with a Minimum Daily Balance of $5,000
    • Fee Waived with a Minimum Daily Balance of $25,000 or more in any combination of Checking, Savings, and/or Certificate of Deposit that you have ownership, whether individual or joint
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements

New Horizons Checking

  • $100 Minimum Deposit to Open
  • No Transactions Limitations Apply
  • You must maintain a Minimum Daily Deposit Balance of $10,000 in any combination of Checking, Savings, and/or Certificate of Deposit that you have ownership, whether individual or joint
  • If we convert your account to an Interest Checking account, we will mail the disclosure with new account terms at least 30 days prior to conversion.
  • You may order 3 boxes of New Horizon Specialty Checks per year with No Charge
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • Free: Internet Banking, Mobile Banking, Online Bill Pay, E-Statements, Notary Service, Fax Services, Incoming Wire transfers, 3”x5”22” Safe Deposit Box (Upon Availability), Medallion Signature Guarantee, ATM usage at other Financial Institutions, Cashier Checks or Money Orders

Rate Information on Interest 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). If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information on Interest 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 on Interest Accounts.