Personal Checking

Exchange Access Personal Checking

Our simplest and most convenient account

Basics

  • $50 minimum deposit to open
  • No monthly service charge
  • No minimum balance
  • $3 Statement fee/no fee for eStatements

Includes

Available Add-ons

Exchange Classic Personal Checking

Everything you need in a checking account

Basics

  • $100 minimum deposit to open
  • No monthly service charge
  • No minimum balance
  • $3 Statement fee/no fee for eStatements

Includes

Available Add-ons

Exchange Premier Personal Checking

Enjoy our complete suite of deposit services

Basics

  • $100 minimum deposit to open
  • Monthly service charge
  • $0 if an average daily balance remains above $500
  • $5 if the average daily balance is $100 – $500
  • $10 if the average daily balance is below $100
  • Pays interest on the entire balance at Exchange Savings Rate*
  • Paper Statement $3, free for those ages 65+/no fee for eStatements

Includes

  • Debit Card
  • Unlimited Check Writing
  • Digital Wallet – Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, Garmin Pay
  • Online Banking with BillPay and Alerts
  • Telephone Banking
  • Paper checks (One free order of single checks a year**)
  • Cashier’s Checks – Limit 3 with no fee per month
  • Overdraft Privilege (Must meet eligibility criteria)

Available Add-ons

*As of 11.30.2022 the Exchange Savings Rate is currently .10%, with an Annual Percentage Yield of 0.10%.  Rate subject to change.  Fees could reduce earnings.

Personal Checking Application

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