Checking

Banking That Works for You—Right Here at Home

At Exchange Bank, we believe banking should feel simple, personal, and built around your life. Whether you're opening your first account, managing your household finances, or looking for a better everyday banking experience, our personal checking accounts are designed with you in mind.

Because here, you’re more than an account—you’re part of the community.

Why Choose Exchange Bank Checking?

Truly Free Checking – No unnecessary fees, just straightforward banking
Local Service You Can Count On – Real people who know your name
Modern Banking Tools – Mobile banking, online access, and debit card controls
Built for Everyday Life – Easy access to your money, wherever you are

Every new personal checking account includes:

• FREE debit card • FREE online banking • FREE bill pay • FREE mobile banking with mobile deposit
• FREE eStatements • FREE thank you gift • FREE gifts for referring others
• Buy back of your debit cards and unused checks from another financial institution up to $10

Premium Interest Checking

An account for those interested in higher interest!

FREE 1st box of standard checks
Higher interest rate with a balance of $1,500 or more
Competitive interest if balance falls below $1,500
Only $6 monthly charge if minimum balance falls below $1,500

50+ Interest Checking

A perfect account for customers 50 and better!

FREE 1st box of standard checks
Competitive interest
No minimum balance
No monthly service charge

Direct Interest Checking

Earn interest with the convenience of direct deposit or any automatic payment!

Competitive interest
No minimum balance
No monthly service charge

Truly Free Checking

A FREE account for anyone!

No minimum balance
No monthly service charge

Ready to get started?

Choose the bank that’s invested in you—and the communities we all call home.

Locations

Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented. Offer good on personal accounts only; ask us about our outstanding options for your business or organization.