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Sometimes, all you need are the checking essentials. With no minimum balance requirements, an easily avoidable monthly fee, and free digital banking, an Exchange Rewards account checks all the boxes.

Key Features

  • Digital Banking
  • Free Debit Card
  • Simplified checking with all the essentials
  • No minimum balance requirements
  • To collect interest, you must meet all the reqiurements:
    • Receive eStatements
    • Have 10 debit card or POS transactions post and settle per month
    • 1 ACH debit or credit per month
  • Accounts with loan balance of $1,000 or greater earn higher interest1
  • 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
  • $50 minimum deposit to open

1Loan and Deposit must be in the same Customer Information File.

*Accounts eligible for Rewards checking include Traditional, 50 Plus, 50 Plus Interest, Military Executive, Military Interest or  Interest Bearing

What Do the Neighbors Think?

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

Testimonials