Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Rewards
N/A
APY (Annual Percentage Yield)
N/A
Monthly Maintenance Fee
$0(Verified 01/21/2026)
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Exchange Rewards Checking Account Review
The Exchange Rewards Checking Account is offered by Exchange Bank and Trust, a bank founded in 1856 and based in Atchison, KS. Exchange rewards checking is available in 1 state.
Key Takeaways
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Exchange Bank and Trust mobile or online banking.
Exchange rewards checking Pros & Cons
| Pros | Cons |
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Exchange rewards checking FAQ
Are checking accounts from Exchange Bank and Trust federally insured?
Yes, your deposits are insured 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Exchange rewards checking charge?
This account charges a monthly maintenance fee each statement cycle of $0.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $1.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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
Hours of Operation
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed
Other Services by Exchange Bank and Trust
Personal Loans
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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
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Monthly Service Fee
$5
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Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.1%
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Monthly Service Fee
$7.50
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Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$4
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