Exchange Bank of California Everyday Checking
in Checking Accounts from Exchange Bank of California · Member fdic
UnaffiliatedExchange Bank of California Everyday Checking
in Checking Accounts from Exchange Bank of California · Member FDIC
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| Monthly Fee | $10 |
| ATM Fee: Out-of-Network | $1.50 |
| Minimum Balance to Avoid Monthly Fee | $1,500 |
| APY (Annual Percentage Yield) | 0% |
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 is 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 maintenance 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.
- Free bill pay. Pay your bills to practically anyone in the United States through Exchange Bank of California.
- Hard credit pull. Exchange Bank of California may require a hard pull on your credit report to open a checking account.
Exchange Bank of California Everyday Checking Pros & Cons
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Exchange Bank of California Everyday Checking FAQ
Are checking accounts from Exchange Bank of California federally insured?
Yes, your Exchange Bank of California 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 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.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $100 |
| Minimum Combined Balance to Avoid Monthly Fee | $5,000 |
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
| Minimum Balance to Avoid Monthly Fee | $1,500 |
What fees does Exchange Bank of California Everyday Checking charge?
This account charges a monthly maintenance fee of $10.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $0 |
| Foreign Transaction Fee (Debit Card) | 1.2% |
| Monthly Fee | $10 |
| 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 |
| ATM Fee: Out-of-Network | $1.50 |
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 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 Everyday Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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Contact
- Headquarters
-
545 Fourth Street
Santa Rosa, CA 95401 - (800) 995-4066
- Visit Site
Other Services by Exchange Bank of California
View all checking accounts offered by Exchange Bank of California
Availability
Available in 1 state
California
Availabile in all of California
Feature Breakdown
| Minimum Combined Balance to Avoid Monthly Fee | $5,000 |
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
| Minimum Opening Deposit | Starting at $100 |
| Minimum Balance to Avoid Monthly Fee | $1,500 |
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