Father and daughter putting money in piggy bank

Personal Savings

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 Savings 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 (478) 452-4531 or stop by and see one of our friendly Customer Service Representatives.
 

Savings Accounts

Exchange Savings

  • $100 Minimum Deposit to Open
  • You must maintain a Minimum Daily Balance of $200 to obtain the Annual Percentage Yield
  •  $15 Minimum Balance Fee will be imposed quarterly
    •  Fee waived with a Minimum Daily Balance of $300
    •  Fee waived with Average Daily Balance of $500 for the quarter
    • The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  • Limitations:  A $5.00 debit item fee will be charged for each debit over 6 per quarterly statement cycle.
  • Interest Bearing Account Compounded Quarterly and Credited Quarterly

Health Savings Account

  • $100 Minimum Deposit to Open
  • No Transaction Limitations 
  • Interest Bearing Account Compounded Monthly and Credited Monthly
  • A High Deductible Health Plan is required. Please provide a copy of insurance card at time of account opening.

Exchange Money Market

  • $100 Minimum Deposit to Open
  •  $9.00 Minimum Balance Fee will be imposed monthly
    • Fee waived with a Minimum Daily Balance of $2,000
    • 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
  • Limitations: A $5.00 excess debit fee will be charged for each debit over 6 per monthly statement cycle.
  • Interest Bearing Account Compounded Monthly and Credited Monthly

Exchange Kids Savings Account

  • $20 Minimum Deposit to Open
  • You must be under the age of 18
  • $15 Minimum Balance Fee will be imposed quarterly
    • Fee waived with a Minimum Daily Balance of $100
    • Fee waived during the First Year of Account Opening
  • You must maintain a Minimum Daily Balance of $100 to obtain the Annual Percentage Yield.
  • Your account must remain open for a minimum of 6 months from the account opening date or you will be assessed a $10.00 fee to close account.
  • Limitations:  A $5.00 debit item fee will be charged for each debit over 6 per quarterly statement cycle.
  • Interest Bearing Account Compounded Quarterly and Credited Quarterly
  • This account will convert to an Exchange Savings Account upon the child’s 18th Birthday. You will receive a disclosure with new account terms.
  • A Parent/Guardian must be present to open account
  • A Parent/Guardian must present a Social Security Card for Child
  • Parent/Guardian must present their valid driver's license and social security number
  • Parent/Guardian must be joint owner on the account
 
 
 
 
 
 
 
 
Rate Information on Money Market and Savings: 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 Money Market and Savings: 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 Money Market and Savings.
 
Exchange Bank... YOUR Community Bank

Financial literacy starts early!

 
Children as young as 3 can start developing good financial habits. Things to talk about with your kids.

  • When you save money in a savings account, you earn something called interest. Interest means the bank pays a little money into your account each quarter. That means the money in your account grows automatically!
  • When you buy something, save your change! It really adds up and you can deposit it in your savings account.
  • Make a list of all the things you want to buy with your money and decide how much you will set aside each month to save for those things. This is called “making a budget.”
  • Keep track of every penny you add or withdraw from your account and write it down in your savings register. This is called “balancing” your accounts.
  • Do you earn allowance from your parents for doing chores around the house? Your allowance can be deposited into your savings account and over time it will add up.

Dad and daughter bonding.

Start them saving now; they’ll thank you later!