Checking Accounts
![]()
EB Free Checking
- $100.00 to Open
- No Minimum Balance
- No Service Charges
- Unlimited Withdrawals
- Free Overdraft Protection up to $100.00 with approved credit
- Free ATM/Check Card with approved credit
- Free Net Teller
- Free 24 Hour ATM
Regular Checking
- $100.00 to Open
- No Service Charge or $7.50 if Daily Balance Falls Below $100.00 or Avoid This Fee by Maintaining a $750.00 Average Balance
- $0.15 Per Debit Charge If Balance Falls Below $100.00 Any Day of the Month
- First 50 Checks are Free
- Free Overdraft Protection up to $300.00 with approved credit
- Free ATM/Check Card with approved credit
- Free Net Teller
- Free 24 Hour ATM
5 Star Checking
- $100.00 to Open
- $6.50 Service Charge
- 25 Free Withdrawals per Month.
- $0.15 per Withdrawal After First 25
- Free 5 Star Checks
- Free Travelers Checks
- Free Overdraft Protection up to $500.00 with approved credit
- Free ATM/Check Card
- Free Net Teller
- Free 24 Hour ATM
5 Star Gold Checking
- $100.00 to Open
- $9.00 Service Charge
- Unlimited Withdrawals
- Free Safe Deposit Box
- Free Overdraft Protection up to $500.00 with approved credit
- Free ATM/Check Card with approved credit
- Free Net Teller
- Free 24 Hour ATM
![]()
Prime 50 Checking
- Competitive Interest Rates
- $100.00 to Open
- Must be Over 50 Years of Age
- No Maintenance Charge with Daily Balance of $100.00. If falls below $100.00 there is a $7.50 Maintenance Fee
- Free Checks
- Free Safety Deposit Box for the First Year
- Free Notary Services
- Free Money Orders
- Free Overdraft Protection up to $750.00 with approved credit
- Free ATM/Check Card
- Free Net Teller
- Free 24 Hour ATM
Now Checking
- Competitive Interest Rate
- $100.00 to Open
- Free Checking with Balance of $750.00, if falls below $7.50 Maintenance Charge
- Unlimited Withdrawals with $1,500.00 Minimum Balance, if falls below $0.15 per Debit.
- Competitive Interest Rate Accrued Daily and Paid Monthly.
- First 50 Checks are Free
- Free Overdraft Protection up to $750.00 with approved credit
- Free ATM/Check Card
- Free Net Teller
- Free 24 Hour ATM
Money Market
- Competitive Interest Rates
- $1,500.00 to Open
- No Service Charge with Minimum Balance of $1,500.00, if falls below the interest rate reduces to a NOW rate
- Six Withdrawals Allowed Per Statement Period, but Limited to Three Checks Payable to Third Parties and a $5.00 Withdrawal Charge After Three
- First 40 Checks are Free
- Free Overdraft Protection up to $750.00 with approved credit
- Free ATM/Check Card
- Free Net Teller
- Free 24 Hour ATM
X-Treme Money Market
- $25,000 and over pays the 11th District Cost of Funds rate
- $10,000 - $ 24,999 pays the 11th District Cost of Funds rate – .5%
- The District Cost of Funds rate adjusts monthly. Click here for the current rate and an historical table of the rates.
- $10,000.00 to Open
- No Service Charge with Minimum Balance of $10,000.00, if falls below $15.00
- One Free Withdrawal During a Statement Period and a $15.00 Per Withdrawal Charge, Thereafter
- Free Overdraft Protection up to $750.00 with approved credit
- Free ATM/Check Card
- Free Net Teller
- Free 24 Hour ATM


Third party web sites may have privacy and security policies different from Exchange Bank. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from Exchange Bank web sites.