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  First Exchange Bank First Essential Checking
First Exchange Bank First Essential Checking Unaffiliated

First Exchange Bank First Essential Checking

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

First Exchange Bank First Essential Checking Review

First Exchange Bank First Essential Checking is offered by First Exchange Bank, founded in 1895 and based in White Hall, WV. First Exchange Bank First Essential Checking is available in 1 state across the USA.

Key Takeaways
First Exchange Bank First Essential 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.
First Exchange Bank First Essential Checking FAQ

Are checking accounts from First Exchange Bank federally insured?

No, your First Exchange Bank checking accounts are not insured by a federal insurance agency. This means that if First Exchange Bank 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 First Exchange Bank First Essential Checking offer?

First Exchange Bank First Essential Checking is not an interest bearing account.

What are the account minimums for First Exchange Bank First Essential Checking?

First Exchange Bank First Essential Checking requires a minimum initial deposit of $50 to open an account.

First Exchange Bank First Essential Checking Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee $0

What fees does First Exchange Bank First Essential Checking charge?

This account charges a monthly service fee of $0.

First Exchange Bank First Essential Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $15
Debit Card Replacement Fee $5
Monthly Fee $0
Online Bill Pay Fee $0
Paper Statement Fee $2

What features and perks does First Exchange Bank First Essential Checking offer?

This account includes the following features:

What is the customer support email for First Exchange Bank First Essential Checking?

The customer support email for First Exchange Bank First Essential Checking is depositservices@firstexchangebank.com.

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Message From First Exchange Bank

Are you looking for a free checking account that gives you everything you need without any of the nonsense? Our firstEssential Checking account lives up to its name. You won't find any non-essentials like hidden fees, crazy hoops to jump through, or special requirements. Just the free checking you’ve been waiting for, plain and simple. Open your firstEssential Checking Account Today!

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

Other Services by First Exchange Bank

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Availability

  Available in 1 state
West Virginia
Availabile in all of West Virginia

Feature Breakdown

Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $15
Debit Card Replacement Fee $5
Paper Statement Fee $2
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
  • No Monthly Maintenance Fee
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC

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