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Last Updated: 01/21/2026

First Exchange Bank First Essential Checking

in Checking Accounts from First Exchange Bank

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A(Verified 09/28/2022)

Cashback Rewards

N/A

APY (Annual Percentage Yield)

N/A

Monthly Service Fee

$0(Verified 01/21/2026)

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First Exchange Bank First Essential Checking Review

The First Exchange Bank First Essential Checking is offered by First Exchange Bank, a bank founded in 1895 and based in White Hall, WV. First Exchange Bank First Essential Checking is available in 1 state.

Key Takeaways

No monthly maintenance fees. This account does not charge any monthly account fees.
Up to $15 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Bill pay. Pay your bills to practically anyone in the United States when you enroll in First Exchange Bank mobile or online banking.

First Exchange Bank First Essential Checking Pros & Cons

Pros

Cons

Access to physical branches.
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.

First Exchange Bank First Essential Checking FAQ

Are checking accounts from First Exchange Bank federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #13020). 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 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.

First Exchange Bank First Essential Checking Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Minimum Opening Deposit

Starting at $50

What fees does First Exchange Bank First Essential Checking charge?

The good news is that this account does not have a monthly Service Charge.

First Exchange Bank First Essential Checking Fees

Description

Monthly Service Fee

Paper Statement Fee

Starting at $2

ATM Fee: In-Network

Starting at $0

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

ATM Reimbursement Monthly Limit

Starting at $15

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

This account includes the following features:

ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $15.
Fraud monitoring - First Exchange Bank First Essential 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 - First Exchange Bank First Essential Checking allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.

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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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 First Exchange Bank First Essential Checking

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

Headquarters

1 Heritage Way

White Hall, WV 26554

Visit Site

Email Support

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

First Exchange Bank First Essential Checking

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Highlights

First Exchange Bank First Essential Checking Review

Key Takeaways

First Exchange Bank First Essential Checking Pros & Cons

First Exchange Bank First Essential Checking FAQ

Are checking accounts from First Exchange Bank federally insured?

What APY does First Exchange Bank First Essential Checking offer?

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

What fees does First Exchange Bank First Essential Checking charge?

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

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

Message from First Exchange Bank First Essential Checking

Contact

Hours of Operation

Other Services by First Exchange Bank