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  Exchange Bank Basic Checking

Exchange Bank Basic Checking

in Checking Accounts from Exchange Bank · fdic

Unaffiliated

Exchange Bank Basic Checking

Unaffiliated

in Checking Accounts from Exchange Bank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.01% - 0%

Exchange Bank Basic Checking Review

Exchange Bank Basic Checking is offered by Exchange Bank, a bank founded in 1894 and based in Omaha, NE. Exchange Bank Basic Checking is available in 2 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, Exchange Bank Basic Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Exchange Bank Basic Checking does not charge fees on ATM transactions.
Exchange Bank Basic Checking Pros & Cons
Pros Cons
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Only available in 2 states.
Exchange Bank Basic Checking FAQ

Are checking accounts from Exchange Bank federally insured?

Yes, your Exchange Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #1435). 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 Basic Checking offer?

Exchange Bank Basic Checking offers an APY starting at $0.01% (APY stands for annual percentage yield, rates may change).

Exchange Bank Basic Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) $0.01%

What are the account minimums for Exchange Bank Basic Checking?

Exchange Bank Basic Checking does not require a minimum initial deposit.

Exchange Bank Basic Checking Minimums
Description
APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Exchange Bank Basic Checking charge?

The good news is that this account does not have a monthly Service Charge.

Exchange Bank Basic Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Copy $0
Check Image Service $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
ATM Fee: Out-of-Network $0

Does Exchange Bank Basic Checking charge overdraft fees?

No, Exchange Bank Basic Checking does not charge overdraft fees.

What features and perks does Exchange Bank Basic Checking offer?

This account includes the following features:

  • Mobile Banking Services - Exchange Bank Basic Checking allows you to manage your money online or with a mobile app.

What is the customer support email for Exchange Bank Basic Checking?

The customer support email for Exchange Bank Basic Checking is mmadden@eb-us.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Exchange Bank Basic Checking

Exchange Bank has a wide variety of checking accounts to match any needs. We understand that each customer’s needs may be unique and try to provide an option that is viable for each and every customer. 

Basic Checking --- Free Unlimited Exchange Bank ATM Usage, Optional Benefits Plan, Bill Pay & Popmoney Payments, Online Banking, Free ATM/Debit Card Available, Mobile Banking & Mobile Deposit, Free Online E-Statements.

Availability

  Available in 2 states
  • Kansas
  • Nebraska

Feature Breakdown

APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Bank Teller Fee $0
Check Cashing Fee $0
Check Copy $0
Check Image Service $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $0
Online Bill Pay Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
ATM Fee: Out-of-Network $0
Account Features
  • No ATM Fees
  • Member FDIC
  • Debit Card
  • Mobile Banking
  • No Monthly Maintenance Fee
APY (Annual Percentage Yield) 0.01% - 0%

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