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The holidays may bring good tidings, but they also bring stress. Cover your seasonal expenses ahead of time with our interest-bearing1 club accounts.

Key Features

  • Competitive Interest1
  • Digital Banking
  • Set aside little by little, year-round for holiday-related expenses
  • Competitive interest on entire balance1
  • No monthly service fee
  • No minimum balance requirements
  • Make deposits at any time, in any amount you feel comfortable with
  • Funds automatically released via check or direct deposit to an Exchange Bank account on October 31st of each calendar year
  • Early withdrawal will result in a loss of interest2
  • Free digital banking services, including:
    • Free online banking
    • Free mobile banking
    • Free eStatements
  • $5 minimum deposit to open

1Current interest rates and annual percentage yield may be obtained by calling a bank. 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 the deposit of non-cash items (for example, checks). We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

2Interest is forfeited if balance is withdrawn prior to maturity.

What Do the Neighbors Think?

Exchange Bank & Trust offers us that small town flavor with a national reach.

Testimonials