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  Exchange Rewards Checking Account

Exchange Rewards Checking Account

in Checking Accounts from Exchange Bank and Trust · Member fdic

Unaffiliated

Exchange Rewards Checking Account

Unaffiliated

in Checking Accounts from Exchange Bank and Trust · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 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 is available in 1 state across the USA.

Key Takeaways
  • Free bill pay. Pay your bills to practically anyone in the United States through Exchange Bank and Trust.
  • Hard credit pull. Exchange Bank and Trust may require a hard pull on your credit report to open a checking account.
Exchange Rewards Checking Account 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 Account FAQ

Are checking accounts from Exchange Bank and Trust federally insured?

Yes, your Exchange Bank and Trust checking accounts 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 Account offer?

Exchange Bank and Trust does not provide interest rate information until you apply for a new account.

What are the account minimums for Exchange Rewards Checking Account?

Exchange Rewards Checking Account requires a minimum initial deposit of $50 to open an account.

Exchange Rewards Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $50

What fees does Exchange Rewards Checking Account charge?

This account charges a monthly maintenance 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 $1.50

What features and perks does Exchange Rewards Checking Account offer?

This account includes the following features:

  • Fraud monitoring - Exchange Rewards Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Exchange Rewards Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 1 state
Kansas
Availabile in all of Kansas

Feature Breakdown

Minimum Opening Deposit Starting at $50
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 $1.50
Bank Account Features
  • FDIC Member
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • Interest Bearing Account
  • Mobile Check Deposit

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