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Checking doesn't need to be complicated. Get a straightforward account with all the essentials.

Key Features

  • Digital Banking
  • Free Debit Card
  • Avoid the $4 monthly service fee by maintaining a balance of $1,000 or more1
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free telephone banking
  • Free Visa® debit card
  • $100 minimum deposit to open

1To avoid $4 monthly service change you must meet one of the following criteria..

  • Receive monthly eStatements
  • 10 point of sale Debit Card transactions posted to monthly statement
  • Average account balance of $1,000.00 per statement cycle*
  • ACH Direct Deposit of $1,000.00 or greater per statement cycle
  • Loan Balance of $1,000.00 or greater

*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.

What Do Our Neighbors Think?

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