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Exchange Bank of California MyCash Checking

in Checking Accounts from Exchange Bank of California · fdic

Unaffiliated

Exchange Bank of California MyCash Checking

Unaffiliated

in Checking Accounts from Exchange Bank of California · Member FDIC

Not enough votes for recommendation

Highlights
Monthly Fee	$0
ATM Fee: Out-of-Network	$1.50
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0%

Exchange Bank of California MyCash Checking Review

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

Key Takeaways

0% APY. As with most checking accounts, Exchange Bank of California MyCash Checking does not pay interest.
$0 monthly fee. This account does not charge a monthly Service Charge.
Small minimum initial deposit. You only need $20 to open an account.
Up to $8 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
Bill pay. Pay your bills to practically anyone in the United States through Exchange Bank of California.

Exchange Bank of California MyCash 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 wire transfers.	No signup bonus. Does not earn interest No ATM access to Exchange Bank of California MyCash Checking. Only available in one state. Higher than average wire transfer fees. Charges a fee on out-of-network ATM transactions.

Exchange Bank of California MyCash 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 MyCash Checking offer?

Exchange Bank of California MyCash Checking is not an interest-bearing account.

What are the account minimums for Exchange Bank of California MyCash Checking?

Exchange Bank of California MyCash Checking requires a minimum initial deposit of $20 to open an account.

Exchange Bank of California MyCash Checking Account Minimums
Description	Amount
Minimum Opening Deposit	$20

What fees does Exchange Bank of California MyCash Checking charge?

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

Exchange Bank of California MyCash Checking Fees
Description
ATM Fee: In-Network	$0
ATM Reimbursement Monthly Limit	$8
Check Copy	$0
Check Image Service	$2
Debit Card Replacement Fee	$0
Foreign Transaction Fee (Debit Card)	1.2%
Monthly Fee	$0
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)	$0
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

Does Exchange Bank of California MyCash Checking charge overdraft fees?

Yes, Exchange Bank of California MyCash Checking charges a $32 fee for every overdraft.

Exchange Bank of California MyCash Checking offers overdraft protection at a cost of $10 per transaction.

What features and perks does Exchange Bank of California MyCash Checking offer?

This account includes the following features:

ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $8.
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 of California MyCash 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 MyCash 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.

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