Exchange Bank Exchange Checking
Exchange Bank Exchange Checking Unaffiliated

Exchange Bank Exchange Checking

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Cashback Rewards N/A
APY (Annual Percentage Yield) N/A
Monthly Fee Up to $6.95
Minimum Balance to Avoid Monthly Fee Starting at $500

Exchange Bank Exchange Checking Review

Exchange Bank Exchange Checking is offered by Exchange Bank of Milledgeville, a bank founded in 1903 and based in Milledgeville, GA. Exchange Bank Exchange Checking is available in 1 state across the USA.

Key Takeaways
  • $0 monthly Service Charge available. This account charges a monthly service fee of up to $6.95, but the fee is waived if you keep a minimum balance of $500.
  • $100 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 Milledgeville.
Exchange Bank Exchange Checking Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not earn interest.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Monthly service charge.
Exchange Bank Exchange Checking FAQ

Are checking accounts from Exchange Bank of Milledgeville federally insured?

Yes, this account is insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #160). 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 Exchange Checking offer?

Exchange Bank Exchange Checking is not an interest bearing account.

What are the account minimums for Exchange Bank Exchange Checking?

Exchange Bank Exchange Checking requires a minimum initial deposit of $100 to open an account.

Exchange Bank Exchange Checking Minimums
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $500

What fees does Exchange Bank Exchange Checking charge?

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

Exchange Bank Exchange Checking Fees
ATM Fee: In-Network $0

What features and perks does Exchange Bank Exchange Checking offer?

This account includes the following features:

  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Exchange Bank Exchange Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

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

The customer support email for Exchange Bank Exchange Checking is

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Message From Exchange Bank of Milledgeville

We have built a strong reputation as an outstanding, full-service Community Bank with an experienced staff offering expertise in every area from deposit accounts to lending solutions.  All our Checking Accounts include the convenience of Internet Banking, Mobile Banking, Online Bill Pay & E-statements. We are constantly looking at ways to make our customer’s lives easier through new technology and exceptional customer service. Our experienced Customer Service Representatives are available to spend quality time with you to be sure you select the options that best meet your financial needs. We look forward to seeing you at one of our five convenient branch locations. We want to build a relationship that lasts a lifetime.


  Available in 1 state
Availabile in all of Georgia

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $500
ATM Fee: In-Network $0
Monthly Fee Up to $6.95
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Driver License (or other photo ID)
Account Features
  • Member FDIC
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Debit Card Lock/Unlock
  • Mobile Banking
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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Exchange Bank of Milledgeville Checking Accounts