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We might be in Kansas, but your balance won’t be staying flat with the tiered interest1 you’ll earn on this account.


Key Features

  • Tiered Interest1
  • Direct Check Writing
  • Digital Banking
  • Competitive, tiered rates — higher balances earn higher rates1
    • Interest is compounded and credited monthly2
  • No monthly service fee
  • Enjoy flexibility with enhanced access to funds, including direct check writing:
    • 4 free transactions per statement cycle by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter3
    • Unlimited withdrawals made in person, by messenger, by mail or at an ATM
  • Free digital banking services, including:
    • Free online banking
    • Free mobile banking
    • Free eStatements
  • $500 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.

2If the account is closed before interest is credited, you will not receive the accrued interest.

3Up to a total of 6 transactions per month are permitted.  

What Do Our Neighbors Think?

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