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  Exchange Bank of California Everyday Checking
Exchange Bank of California Everyday Checking Unaffiliated

Exchange Bank of California Everyday Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $10
Minimum Balance to Avoid Monthly Fee Starting at $1,500

Exchange Bank of California Everyday Checking Review

Exchange Bank of California Everyday Checking is offered by Exchange Bank of California, a bank founded in 1890 and based in Santa Rosa, CA. Exchange Bank of California Everyday Checking are available in 1 state across the USA.

Key Takeaways

  • 0% APY. As with most checking accounts, Exchange Bank of California Everyday Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of $10, but the fee is waived if you keep a minimum balance of $1,500, have a monthly direct deposit of $500, or $5,000 combined balance accross eligible accounts.
  • $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 California.

Exchange Bank of California everyday 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 signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a fee on out-of-network ATM transactions.

Exchange Bank of California everyday checking FAQ

Are checking accounts from Exchange Bank of California federally insured?

Yes, your deposits 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 everyday checking offer?

Exchange Bank of California everyday checking is not an interest-bearing account.

What are the account minimums for Exchange Bank of California everyday checking?

Exchange Bank of California everyday checking requires a minimum initial deposit of $100 to open an account.

Exchange Bank of California Everyday Checking Minimums
Description
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $1,500
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500

What fees does Exchange Bank of California everyday checking charge?

This account charges a monthly service fee of $10.

Exchange Bank of California Everyday Checking Fees
Description
Monthly Fee $10
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
Foreign Transaction Fee (Debit Card) 1.2%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $10
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Debit Card Replacement Fee $0

Does Exchange Bank of California everyday checking charge overdraft fees?

Yes, Exchange Bank of California everyday checking charges a $32 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.

What features and perks does Exchange Bank of California everyday checking offer?

This account includes the following features:

  • Fraud monitoring - Exchange Bank of California everyday checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Exchange Bank of California everyday 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 of California everyday checking?

The customer support email for Exchange Bank of California everyday checking is info@exchangebank.com.

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Message From Exchange Bank of California everyday checking

Checking accounts aren’t just about checks. Take full control of your daily finances by managing your money your way. Everyday Checking, Life is complicated—your checking account doesn’t have to be. Get all of the features you need without all of the fuss. Anytime, anywhere banking puts your finances at your fingertips. And with so many ways to avoid the monthly maintenance fee, that’s peace of mind you can bank on. Active account users and direct deposit customers will find it easy to avoid the monthly maintenance fee.

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 California

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Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $1,500
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500
Monthly Fee $10
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
Foreign Transaction Fee (Debit Card) 1.2%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $10
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Negative Balance Lookback Period 0 years
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Proof of Residence
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0%

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