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  First Exchange Bank First Plus Checking
First Exchange Bank First Plus Checking
in Checking Accounts from First Exchange Bank · Member FDIC
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First Exchange Bank First Plus Checking

Unaffiliated
in Checking Accounts from First Exchange Bank · Member FDIC
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2 reviews
Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.00% - 0.10%
(Verified 07/18/2022)
Monthly Fee $0 - $10
Minimum Balance to Avoid Monthly Fee N/A

First Exchange Bank First Plus Checking Review

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

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.10%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $10.
  • Up to $25 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 through First Exchange Bank.

First Exchange Bank First Plus Checking Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.

First Exchange Bank First Plus Checking FAQ

Are checking accounts from First Exchange Bank federally insured?

Yes, your deposits 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 Plus Checking offer?

First Exchange Bank First Plus Checking offers an APY starting at 0.00% and ranging up to 0.10% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $1000.

First Exchange Bank First Plus Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.00% - 0.10%

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

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

First Exchange Bank First Plus Checking Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500
Minimum Balance to Earn APY $1,000

What fees does First Exchange Bank First Plus Checking charge?

This account charges a monthly service fee of up to $10.

First Exchange Bank First Plus Checking Fees
Description
Monthly Fee $0 - $10
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $25
ATM Reimbursement Monthly Limit $25
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Cashing Fee $0
Debit Card Replacement Fee $5

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

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - First Exchange Bank First Plus 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 Plus 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 Plus Checking?

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

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Message From First Exchange Bank First Plus Checking

We pride ourselves in providing our customers with accounts designed to delight. Whether you are looking for a simple, FREE checking account, or you want all the bells and whistles, we have you covered. Introducing our firstPlus Checking account! The firstPlus Checking is the perfect blend of hassle-free interest-checking and the perks you love! We have added in just the right amount of extras to craft you the ideal interest-checking account. 

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 Combined Balance to Avoid Monthly Fee $5,000
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500
Minimum Balance to Earn APY $1,000
Monthly Fee $0 - $10
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $25
ATM Reimbursement Monthly Limit $25
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Cashing Fee $0
Debit Card Replacement Fee $5
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
  • Interest Bearing Account
  • ATM Reimbursement
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.00% - 0.10%
(Verified 07/18/2022)

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