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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 when you enroll for E-Statements
  • No Transaction Limitations

Exchange Checking

  • $100 Minimum Deposit to Open
  • $6.95 Minimum Balance Fee Per 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)

Smart Start Checking

  •  $100 Minimum Deposit to Open
  • A Valid Student ID is Required
  • Upon Graduation Date, your account will be converted to an Exchange Solutions Account and you will receive a disclosure with new account terms
  • No Transaction Limitations

Exchange Advantage

  • Age 60 or Better
  • $100 Minimum Deposit to Open
  • No Service Charge
  • No Transaction Limitations

Exchange Interest

  • $100 Minimum Deposit to Open
  • No Transaction Limitations
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • Tiered Minimum Daily Balance with Minimum
    Balance Fee is calculated as follows:
Minimum Balance: $0-$999.99
Minimum Balance Fee: $7.95*
 
Minimum Balance: $1000-$1999.99
Minimum Balance Fee: $5.95*
 
Minimum Balance: $2000 or more
Minimum Balance Fee: 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
 

Exchange Interest +

  • $5,000 Minimum Deposit to Open
  • No Transaction Limitations
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • $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.

New Horizons Checking

  • $100 Minimum Deposit to Open
  • No Transaction Limitations
  • 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
  • Order up to 3 Free boxes of New Horizon Specialty Checks per year
  • 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, Cashier Checks
  • Exchange Bank will not charge a fee for ATM usage at another financial institutions. 
  • If we convert your account to an interest checking account, we will mail disclosures with new account terms at least 30 days prior to conversion. 
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 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.
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