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  First Exchange Bank First Essential Checking

First Exchange Bank First Essential Checking

in Checking Accounts from First Exchange Bank · fdic

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First Exchange Bank First Essential Checking

Unaffiliated

in Checking Accounts from First Exchange Bank · Member FDIC

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) N/A

First Exchange Bank First Essential Checking Review

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 across the USA.

Key Takeaways
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Up to $15 in ATM fee reimbursements. 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 through First Exchange Bank.
First Exchange Bank First Essential 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 charge on incoming domestic or international wire transfers.
  • 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 First Exchange Bank checking accounts are insured up to $250,000 per person 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 to open an account.

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

Does First Exchange Bank First Essential Checking charge overdraft fees?

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

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any 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 checks 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

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
Monthly Fee $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $15
Debit Card Replacement Fee $5
Paper Statement Fee $2
Account Features
  • Member FDIC
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Debit Card Lock/Unlock
  • Fraud Monitoring
  • Mobile Banking
  • ATM Reimbursement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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