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  Exchange Bank of California Premier Plus Checking
Exchange Bank of California Premier Plus Checking Unaffiliated

Exchange Bank of California Premier Plus Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.02% - 0.09%
(Verified 07/20/2022)
Monthly Fee $20
Minimum Balance to Avoid Monthly Fee N/A

Exchange Bank of California Premier Plus Checking Review

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

Key Takeaways
  • Higher than average APY. Exchange Bank of California Premier Plus Checking has an annual percentage yield of up to 0.09%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of $20.
  • $500 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 Premier Plus Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • 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.
  • Monthly service charge (if minimums are not met).
  • Charges a fee on out-of-network ATM transactions.
Exchange Bank of California Premier Plus Checking FAQ

Are checking accounts from Exchange Bank of California federally insured?

Yes, this account is 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 Premier Plus Checking offer?

Exchange Bank of California Premier Plus Checking offers an APY starting at 0.02% and ranging up to 0.09% (APY stands for annual percentage yield, rates may change).

Exchange Bank of California Premier Plus Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.02% - 0.09%

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

Exchange Bank of California Premier Plus Checking requires a minimum initial deposit of $500 to open an account.

Exchange Bank of California Premier Plus Checking Minimums
Description
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Direct Deposit to Avoid Monthly Fee $2,000
Minimum Opening Deposit Starting at $500

What fees does Exchange Bank of California Premier Plus Checking charge?

This account charges a monthly service fee of $20.

Exchange Bank of California Premier Plus Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $0
Check Image Service $2
Debit Card Replacement Fee $0
Foreign Transaction Fee (Debit Card) 1.2%
Monthly Fee $20
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 Premier Plus Checking charge overdraft fees?

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

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

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

This account includes the following features:

  • Fraud monitoring - Exchange Bank of California Premier Plus 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 Premier Plus 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 Premier Plus Checking?

The customer support email for Exchange Bank of California Premier Plus 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. Premier Plus Checking, Access our highest level of benefits and enjoy maximum rewards with our exclusive, interest bearing account. As your qualifying balances grow, so do your benefits.

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Direct Deposit to Avoid Monthly Fee $2,000
Minimum Opening Deposit Starting at $500
ATM Fee: In-Network $0
Check Copy $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Check Image Service $2
Foreign Transaction Fee (Debit Card) 1.2%
Monthly Fee $20
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
  • Proof of Identity
  • Proof of Residence
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Account Features
  • Member FDIC
  • Check Writing
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.02% - 0.09%
(Verified 07/20/2022)

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