Exchange Bank of California Business Advantage Checking
in Business Checking Accounts from Exchange Bank of California · fdic
UnaffiliatedExchange Bank of California Business Advantage Checking
in Business Checking Accounts from Exchange Bank of California · Member FDIC
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| Monthly Fee | $25 |
| ATM Fee: Out-of-Network | $1.50 |
| Minimum Balance to Avoid Monthly Fee | $10,000 |
| APY (Annual Percentage Yield) | 0.02% - 0.09% |
Exchange Bank of California Business Advantage Checking Review
Exchange Bank of California Business Advantage Checking is offered by Exchange Bank of California, a bank founded in 1890 and based in Santa Rosa, CA. Exchange Bank of California Business Advantage Checking is available in 1 state across the USA.
- Higher than average APY. Exchange Bank of California Business Advantage Checking has an annual percentage yield of up to 0.09%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $0.01.
- Charges a monthly fee. This account charges a monthly service fee of $25, but the fee is waived if you keep a minimum balance of $10,000.
- $500 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
- Bill pay. Pay your bills to practically anyone in the United States through Exchange Bank of California.
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Are business checking accounts from Exchange Bank of California federally insured?
Yes, your Exchange Bank of California business checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #8468). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Exchange Bank of California Business Advantage Checking offer?
Exchange Bank of California Business Advantage Checking offers an APY starting at 0.02% and ranging up to 0.09% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $0.01.
| Rates | Amount |
|---|---|
| APY (Annualized Percentage Yield) | 0.02% - 0.09% |
What are the account minimums for Exchange Bank of California Business Advantage Checking?
Exchange Bank of California Business Advantage Checking requires a minimum initial deposit of $500 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $500 |
| APY Minimum Balance | $0.01 |
| Minimum Combined Balance to Avoid Monthly Fee | $30,000 |
| Minimum Balance to Avoid Monthly Fee | $10,000 |
What fees does Exchange Bank of California Business Advantage Checking charge?
This account charges a monthly maintenance fee of $25.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $1.50 |
| Check Copy | $0 |
| Check Image Service | $2 |
| Debit Card Replacement Fee | $0 |
| Foreign Transaction Fee (Debit Card) | 1.2% |
| Monthly Fee | $25 |
| NSF Fee | $32 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $32 |
| Overdraft Protection Fee (per transfer) | $10 |
| Paper Statement Fee | $5 |
| Returned Deposit Fee (Domestic) | $10 |
| Returned Deposit Fee (International) | $10 |
| Stop Payment Fee | $32 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $55 |
What features and perks does Exchange Bank of California Business Advantage Checking offer?
This account includes the following features:
- Fraud monitoring - Exchange Bank of California Business Advantage Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Exchange Bank of California Business Advantage Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
Contact
- Headquarters
-
545 Fourth Street
Santa Rosa, CA 95401 - (800) 995-4066
- Visit Site
Other Services by Exchange Bank of California
Availability
Feature Breakdown
| APY Minimum Balance | $0.01 |
| Minimum Balance to Avoid Monthly Fee | $10,000 |
| Minimum Combined Balance to Avoid Monthly Fee | $30,000 |
| Minimum Opening Deposit | Starting at $500 |
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