Last Updated: 01/21/2026
First Exchange Bank First Platinum Checking
Unaffiliated
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)
0.0% - 0.30%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $15(Verified 01/21/2026)
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First Exchange Bank First Platinum Checking Review
The First Exchange Bank First Platinum Checking is offered by First Exchange Bank, a bank founded in 1895 and based in White Hall, WV. First Exchange Bank First Platinum Checking is available in 1 state.
Key Takeaways
- Higher than average APY. First Exchange Bank First Platinum Checking has an annual percentage yield of up to 0.30%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $2500.
- Charges a monthly fee. This account charges a monthly fee of up to $15.
- Up to $45 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 Platinum Checking Pros & Cons
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First Exchange Bank First Platinum 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 Platinum Checking offer?
First Exchange Bank First Platinum Checking offers an APY starting at 0.0% and ranging up to 0.30% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $2500.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.0% - 0.30% |
What are the account minimums for First Exchange Bank First Platinum Checking?
First Exchange Bank First Platinum Checking requires a minimum initial deposit of $50.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $2,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does First Exchange Bank First Platinum Checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $15.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does First Exchange Bank First Platinum 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 $45.
- Fraud monitoring - First Exchange Bank First Platinum 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 Platinum 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 Platinum Checking?
The customer support email for First Exchange Bank First Platinum Checking is depositservices@firstexchangebank.com.
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Message from First Exchange Bank First Platinum Checking
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