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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 07/21/2022)
Monthly Fee $0
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, 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%.
  • No minimum initial deposit. There is no minimum balance required to open an account.
Exchange Bank of California MyCash Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • No charge on incoming domestic wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • 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?

No, your Exchange Bank of California checking accounts are not insured by a federal insurance agency. This means that if Exchange Bank of California were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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?

This account charges a monthly service fee of $0.

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 Starting at $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:

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

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.

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $0
ATM Fee: In-Network $0
Check Copy $0
Debit Card Replacement Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit $8
Check Image Service $2
Foreign Transaction Fee (Debit Card) 1.2%
NSF Fee $32
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 (Outgoing) $30
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $55
ATM Fee: Out-of-Network Starting at $1.50
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 07/21/2022)

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