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  Exchange Bank of California MyCash Checking
Exchange Bank of California MyCash Checking Unaffiliated

Exchange Bank of California MyCash Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.03%
(Verified 08/04/2023)
Monthly Maintenance Fee $0
(Verified 08/04/2023)
Minimum Balance to Avoid Monthly Fee N/A

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

  • Low APY. The maximum annual percentage yield for this account is only 0.03%.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • Up to $8 in ATM fee rebates. 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 when you enroll in Exchange Bank of California mobile or online banking.

Exchange Bank of California MyCash Checking Pros & Cons

Pros Cons
  • Interest-yielding account.
  • 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 provide access to a nationwide ATM network.
  • 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 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 MyCash Checking offer?

Exchange Bank of California MyCash Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.03%

Exchange Bank of California MyCash Checking offers an APY of 0.03% (APY stands for annual percentage yield, rates may change).

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

Exchange Bank of California MyCash Checking does not require a minimum initial deposit.

Exchange Bank of California MyCash Checking Minimums
Description
Minimum Opening Deposit Starting at $0

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
Monthly Maintenance Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
ATM Reimbursement Monthly Limit $8
Foreign Transaction Fee (Debit Card) 1.2%
NSF Fee $32
Overdraft Item Fee $32
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
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $0
Check Image Service $2
Debit Card Replacement Fee (Standard Delivery) $0

Does Exchange Bank of California MyCash Checking charge overdraft fees?

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

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

This account includes the following features:

  • ATM rebates - 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.

What is the customer support email for Exchange Bank of California MyCash Checking?

The customer support email for Exchange Bank of California MyCash Checking is info@exchangebank.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Exchange Bank of California MyCash Checking

Checking accounts aren’t just about checks. Take full control of your daily finances by managing your money your way.

MyCash Checking, Managing money is a big responsibility—give your child a head start with a checking account that builds confidence and the foundation for success in the future.
At age 13, your teen will have the freedom to withdraw cash at ATMs and begin practicing money management skills. No monthly maintenance fee means you can feel good about knowing your child’s allowance, birthday money and first job income is in a safe place. Young adults from age 18 through 25 enjoy increased freedom to manage their money. 24/7 access to online and mobile banking to pay bills and make purchases helps them gain the practical money management skills they’ll need to meet the challenges of adult finances.

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 $0
Monthly Maintenance Fee $0
(Verified 08/04/2023)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
ATM Reimbursement Monthly Limit $8
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) $0
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
Check Copy $0
Check Image Service $2
Debit Card Replacement Fee (Standard Delivery) $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
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • ATM Reimbursement
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
APY (Annual Percentage Yield) 0.03%
(Verified 08/04/2023)

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