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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, a bank founded in 1856 and based in Atchison, KS. Exchange Rewards Checking Account are 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.
  • Bill pay. Pay your bills to practically anyone in the United States through Exchange Bank and Trust.

Exchange rewards 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 signup bonus.
  • Does not earn interest.
  • 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 rewards checking FAQ

Are checking accounts from Exchange Bank and Trust federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #4619). 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 rewards checking offer?

Exchange Bank and Trust does not provide interest rate information until a customer applies for a new 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
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
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
Paper Statement Fee $2
Online Bill Pay Fee $0
Debit Card Replacement Fee $10
Early Account Closure $10

What features and perks does Exchange rewards checking offer?

This account includes the following features:

  • Fraud monitoring - Exchange rewards 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 rewards 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 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 rewards checking

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
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
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
Paper Statement Fee $2
Online Bill Pay Fee $0
Debit Card Replacement Fee $10
Early Account Closure $10
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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