Personal Checking

We have built a strong reputation as an outstanding, full-service community bank with an experienced staff offering expertise in every area from deposit accounts to lending solutions.

All our checking accounts include the convenience of internet banking, mobile banking, online bill pay & e-statements. We are constantly looking at ways to make our customer’s lives easier through new technology and exceptional customer service.

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 lasts a lifetime.

Please call customer service for current rate information at (478) 452-4531 or stop by to see one of our friendly customer service representatives.

Checking 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

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.
- If your minimum daily balance is greater than $5,000 in any combination of checking, savings, or certificate of deposit, the monthly minimum balance fee will be waived regardless of the balance in your Exchange Checking account. We include any account that you have ownership, whether individual or joint, in calculating your total deposit relationship.
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 (Debit item fee waived with a
minimum daily balance of $500.)

Smart Start Checking

$100 minimum deposit to open
You must present a valid student identification
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

Exchange Advantage

Age 60 or Better
$100 minimum deposit to open
No transaction limitations apply

Exchange Interest Checking

$100 minimum deposit to open
No transaction limitations apply
Tiered minimum daily balance with a minimum
balance fee calculated as follows:
- Minimum daily balance $0 - $999.99
  - Minimum balance fee: $7.95 *
  - Minimum daily balance $1000 - $ 1999.99
    - Minimum balance fee $5.95 *
  - Minimum daily balance $2000 or more
    - Minimum balance fee is waived
  - *Fee waived with a minimum daily balance greater
    than $10,000 in any combination of checking,
    savings, or certificate of deposit, the minimum balance fee will be waived regardless of the balance in your Exchange Interest account. We include any account that you have ownership, whether individual or joint, in calculating your total deposit relationship.
Interest bearing account compounded monthly
and credited monthly

Exchange Interest + Checking

$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 greater
  than $25,000 or more in any combination of
  checking, savings, or certificate of deposit, the
  minimum balance fee will be waived regardless of the balance in your Exchange Interest + account. We include any account that you have ownership, whether individual
  or joint, in calculating your total deposit relationship.
Interest bearing account compounded monthly
and credited monthly.

New Horizons Checking

$100 minimum deposit to open
No transaction limitations apply
You must maintain a minimum daily deposit
balance of $10,000 in any combination of
checking, savings, or certificate of deposit. We
include any account in which you hold ownership
whether individual, joint, in this relationship
calculation.
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 three boxes of New Horizon
Specialty Checks per year with no charge
Interest bearing account compounded monthly
and credited monthly
Free: notary service, fax services, incoming wire transfers, 3”x5”22” safe deposit box (upon availability), medallion signature guarantee, and cashier checks. Exchange Bank will not charge a fee for ATM usage at other financial institutions.

Exchange EZ

$100 minimum deposit to open
No transaction limitations apply to this account.
This is a checkless account.
Check orders are not permitted.
This account is not eligible for Overdraft Protection or Exchange Bank Bill Pay services.
Account Fees: This account has a monthly service charge of $10.00. An additional $3.00 monthly paper statement fee will be charged for receiving paper statements.
Paperless Online Statement: Electronic/Online Statement(s) are provided through Online Banking each statement cycle. Clients must select the option to no longer receive paper account statements through U.S. mail or a $3.00 monthly paper statement fee applies. Online Banking is required to access Paperless Online Statements.

Exchange Bank... YOUR Community Bank.

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 non-cash 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.

Banking on your schedule

Your finances are at your fingertips – transfer funds, schedule payments, deposit checks and more!

Mobile Banking