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  Exchange Rewards Checking Account
Exchange Rewards Checking Account Unaffiliated

Exchange Rewards Checking Account

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) N/A
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

Exchange Rewards Checking Account Review

Exchange Rewards Checking Account is offered by Exchange Bank and Trust, founded in 1856 and based in Atchison, KS. Exchange Rewards Checking Account is available in 1 state across the USA.

Key Takeaways
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
Exchange rewards checking Pros & Cons
Pros Cons
  • No signup bonus.
  • Does not earn interest.
  • 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 rewards checking FAQ

Are checking accounts from Exchange Bank and Trust federally insured?

No, your Exchange Bank and Trust checking accounts are not insured by a federal insurance agency. This means that if Exchange Bank and Trust 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 rewards checking offer?

Exchange rewards checking is not an interest bearing account.

What are the account minimums for Exchange rewards checking?

Exchange rewards checking requires a minimum initial deposit of $100 to open an account.

Exchange Rewards Checking Account Minimums
Description
Minimum Opening Deposit Starting at $100

What fees does Exchange rewards checking charge?

This account charges a monthly service fee of $0.

Exchange Rewards Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $10
Early Account Closure $10
Monthly Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $6
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) $75
ATM Fee: Out-of-Network Starting at $1.50

What features and perks does Exchange rewards checking offer?

This account includes the following features:

What is the customer support email for Exchange rewards checking?

The customer support email for Exchange rewards checking is ibank@myexchangebank.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 and Trust

Sometimes, all you need are the checking essentials. With no minimum balance requirements, an easily avoidable monthly fee, and free digital banking, an Exchange Rewards account checks all the boxes. Exchange Rewards Checking! Simplified checking with all the essentials and Earn a higher rate of interest.

Availability

  Available in 1 state
Kansas
Availabile in all of Kansas

Feature Breakdown

Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Debit Card Replacement Fee $10
Early Account Closure $10
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $6
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $20
Wire Transfer Fee - International (Outgoing) $75
ATM Fee: Out-of-Network Starting at $1.50
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
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
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC

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Exchange Bank and Trust Checking Accounts

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