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  Exchange Bank Free Checking

Exchange Bank Free Checking

in Checking Accounts from Exchange Bank of Louisiana · Member fdic

Unaffiliated

Exchange Bank Free Checking

Unaffiliated

in Checking Accounts from Exchange Bank of Louisiana · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) N/A

Exchange Bank Free Checking Review

Exchange Bank Free Checking is offered by Exchange Bank of Louisiana, a bank founded in 1892 and based in Natchitoches, LA. Exchange Bank Free Checking is available in 1 state across the USA.

Key Takeaways
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • $100 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
  • Free bill pay. Pay your bills to practically anyone in the United States through Exchange Bank of Louisiana.
  • Hard credit pull. Exchange Bank of Louisiana may require a hard pull on your credit report to open a checking account.
Exchange Bank Free Checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • Direct Deposit required to avoid the monthly fee.
  • E-statements required to avoid the monthly fee.
  • No signup bonus.
  • Does not earn interest.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
Exchange Bank Free Checking FAQ

Are checking accounts from Exchange Bank of Louisiana federally insured?

Yes, your Exchange Bank of Louisiana checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #10528). 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 Free Checking offer?

Exchange Bank Free Checking is not an interest bearing account.

What are the account minimums for Exchange Bank Free Checking?

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

Exchange Bank Free Checking Account Minimums
Description Amount
Minimum Initial Deposit $100

What fees does Exchange Bank Free Checking charge?

The good news is that this account does not have a monthly service charge.

Exchange Bank Free Checking Fees
Description
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0

What features and perks does Exchange Bank Free Checking offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Exchange Bank Free 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 Free Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Exchange Bank of Louisiana

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View all checking accounts offered by Exchange Bank of Louisiana

Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

Minimum Initial Deposit $100
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Bank Account Features
  • FDIC Member
  • Check Writing
  • Branch Access
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Check Images with Statement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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