Exchange State Bank

Checking Accounts
Non-Interest Bearing

  • We recommend that the customer order their checks through us. The prices of checks vary and are subject to change.

Regular Personal Checking

  • No charge if average balance is $1,500 or greater
  • No charge if minimum balance is $750 or greater
  • $.00 for each debit 1 to 25
  • $.15 for each debit greater than 25
  • $2.00 service charge if minimum balance is $350 to $749.99
  • $4.00 service charge if minimum balance is $349.99 or less
  • Account does not pay interest

You must deposit $100.00 to open this account.

Student Accounts

  • $.00 service charge per month
  • Unlimited activity
  • First 50 checks are free
  • Account does not pay interest

You must deposit $100.00 to open this account.

Business Accounts

  • $10.00 service charge per month
  • $.10 per each debit
  • $.10 per each credit
  • $.25 credit for each $200.00 maintained balance
  • Account does not pay interest

You must deposit $100.00 to open this account.

Checking Accounts
Interest Bearing

Super NOW Accounts

  • Competitive rate (subject to weekly change) on balance of $2,500 or more
  • Rate is less if balance drops below $2,500, but not less than $1,200
  • No interest paid on days that balance is under $1,200
  • $7.00 service charge if minimum balance is less than $1,200 in statement cycle
  • Interest is calculated daily and credited to the account at the end of the statement cycle
  • If you close your account before interest is credited, you will not receive the accrued interest

You must deposit $100.00 to open this account.

Money Market Savings

  • Competitive rate (subject to weekly change) on balance of $2,500 or more
  • $10.00 service charge if balance drops below $2,500
  • Limited to 6 pre-authorized withdraws or telephone transfers
  • No interest paid on days that balance is under $2,500
  • Interest is calculated daily and credited to the account at the end of the statement cycle
  • If you close your account before interest is credited, you will not receive the accrued interest

You must deposit $100.00 to open this account.

Exchange Club Accounts

  • One account holder must be age 55 or older and maintain a deposit relationship of $1,000 or more
  • No fee for exchange club check design
  • Unlimited activity
  • No fee for cashier’s checks, notary services and ATM/Debit card
  • Special financial seminars and other group activities, such as travel
  • Discount on 1st year safe deposit box rent (1/2 of rental fee)

You must deposit $100.00 to open this account.

Diamond Accounts

  • You must deposit $100.00 to open this account.
  • $7.00 service charge if minimum balance is less than $100 in statement cycle.
  • First Order of Personalized Checks for Free
  • Unlimited Checking
  • Competitive rate (subject to weekly change) on balance of $1,000 or more
  • Interest is calculated daily and credited to the account at the end of the statement cycle
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • King Ring Protection; Payment Card Protection
  • Sojourns Magazine Subscription
  • 50% Off Lodging Discounts
  • Car Rental, RV, Lodging Chain Discounts
  • Movie Theatre Discounts; Grocery Coupons
  • Theme Park Discounts and Other Attractions

Diamond Plus Accounts

  • You must deposit $100.00 to open this account.
  • No Minimum Balance required
  • Personalized Checks for Free
  • Unlimited Checking
  • Competitive rate (subject to weekly change) on balance
  • Interest is calculated daily and credited to the account at the end of the statement cycle
  • If you close your account before interest is credited, you will not receive the accrued interest.
  • King Ring Protection; Payment Card Protection
  • Sojourns Magazine Subscription
  • 50% Off Lodging Discounts
  • Car Rental, RV, Lodging Chain Discounts
  • Movie Theatre Discounts; Grocery Coupons
  • Theme Park Discounts and Other Attractions
  • Money orders and cashier’s checks for no fee
  • Everyday Rebate Rewards
  • $6.00 monthly service charge; $4.00 if over age 50

ATM or DEBIT cards available
upon application approval

Additional Service Charges


Overdraft & Insufficient Funds…………$25.00 each
Account Transfers…………………$2.00 each
Stop Payments…………………………$10.00
Research ………………………………$25.00 1 hr minimum
Statement Copy …………………………$1.00
Special Statement………………………………$2.00
Dormant accounts over 2 years………$3.00 monthly
Savings account balance under $100.00………$7.00 monthly
Bond or Coupon Collection………………$10.00 each
Security Purchases……………………$25.00 each

Each additional $100,000………$10.00 each

Other Services


Customer
Wire Transfer
Incoming $10.00
Outgoing $15.00
Money Order $2.00
Cashier’s Check $5.00

Safe Deposit Boxes


Customer Non-Customer
**3x5x24 $15.00 $17.50
5x5x24 $20.00 $22.50
10x3x24 $25.00 $27.50
**10x4x24 $30.00 $32.50
**10x5x24 $35.00 $37.50
10x10x24 $60.00 $65.00
*Order new key $15.00 $15.00

** Size available at St. Paul and Columbus Branch’s only Above pricing subject to change

Copyright © Exchange State Bank. All rights reserved. Member FDIC. Equal Housing Lender