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.

Business Checking Accounts

Business Checking

This account is designed for YOU, a locally owned and operated business.

  • Service charge is waived when your business maintains a minimum balance of $2,000.
  • Monthly service charge is $3.00 plus a $.30 per debit transaction when balance goes below minimum requirement of $2,000.

Commercial Interest Checking*

For Sole Proprietorships, Non-Profits and
Governmental Units Only.


Corporate Interest Checking*

For Corporations, Partnerships, For-Profit Organizations

$100.00 deposit required to open this account.

Monthly Service Charge $6.00

Activity Fees:

Items deposited (per item $.10
Per deposit fee $.35
Items paid (per item) $.30

Business Banking Services

Online Banking

There is no charge for YOU to access on-line internet banking services 24/7.

Merchant Capture

You will be able to save time and improve cash flow with an automated remote deposit service. With a desk- top scanner, you can electronically scan, submit and deposit checks from the convenience of your desk.

Debit/Credit Card Processing

Exchange Bank offers the latest in credit, debit and gift card processing terminals, enabling YOU to take ad- vantage of the most progressive processing solutions for your clients.

Small Business Credit Cards

To assist YOU with your business operations, Exchange Bank now offers a small business credit card (rewards/ non-rewards) through Elan Financial Services.

Cash Management

Real-time cash management solution delivers a number of banking services right to your desk top. YOU can access transactional information, account activity, create Direct Deposit for employees and statement retrieval.

Health Savings Accounts

A Health Savings Account (HSA) offers certain tax advantages for YOU. You can use the money in the account to pay for any “qualified medical expense” permitted under federal tax law. For more details, please visit for details.

Business Loans

  • Term Loans
  • Lines of Credit
  • Commercial Mortgages

CD’s and IRA’s

The terms on these interest bearing investments range from 3 to 60 months.

Commercial Money Market*

Opening Deposit Requirement $10,000+

  • Monthly Service Charge $9.00
  • Minimum average balance greater than $10,000—no monthly service charge.
  • Six (6) debits allowed per statement cycle. Any additional debits $5.00 each.

Commercial Checking Analysis

Service charge on this account is based on a Commercial Checking Analysis System. Please contact Exchange Bank for calculation methodology and schedule of fees.

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