Personal Solutions
Exchange Bank is a lot more than just another bank and we can give you more reasons to consider changing banks than any other bank. Exchange offers FREE Checking and, if you qualify, Overdraft Privilege to prevent returned checks. Plus, there's FREE Online Banking and Mobile Banking, FREE Telephone Banking, FREE VISA Debit Card®, convenient, FREE 24-Hour ATM banking, and a host of other terrific services.

Exchange Bank has a variety of checking accounts to choose from to suit your personal needs. We offer Prime Checking for basic checking accounts, Prestige Checking, NOW Checking and Money Market for customers looking for an interest bearing account.

You may also want to consider a Savings account or open an IRA for your retirement. Whatever your financial goal, we can help!

Loans....just right!

MORTGAGE LOANS
BUILDING?  BUYING?  REMODELING?

Regardless of the situation, you will appreciate a banking partner who is local and committed to doing everything possible to make your dream a reality.

We will put our expertise to work for you and recommend the right type of loan that works best for your situation.  We can even provide a free pre-approval consultation to help you get started.
Conventional Fixed Rate Mortgages
VA
USDA Rural Development
Construction Loans
In-House Mortgage
Home Equity Loans and Lines of Credit

All of our Mortgage Loan Originators are registered and comply with the Nationwide Mortgage Licensing System & Registry (NMLS). The NMLS is a free service for consumers to confirm that the company and mortgage loan officer with whom they are working with is licensed.

CONSUMER LOANS
At Exchange Bank, we have a very strong commitment to our community.  We offer unsecured, secured, vehicle and other personal loans, and work with you to create terms that best meet your needs and at very competitive rates.   We are locally owned and locally staffed – decisions about your loan request will be made right here, in a timely manner.

Business Solutions

COMMERCIAL CHECKING
Minimum opening deposit - $200
Monthly service fee - $8
Minimum balance to avoid monthly service fee - $1,200
50 debits per month at no charge and $0.20 per debit thereafter (waived on balances greater than $1,200)
Non-interest bearing account
Accounts may be subject to analysis
Cost of check printing varies depending on check style ordered

CHURCHES & NON-PROFIT CIVIC ORGANIZATIONS
Minimum opening deposit - $200
Monthly service fee - $5
Minimum balance to avoid monthly service fee - $200
Non-interest bearing account
Accounts may be subject to analysis
Cost of check printing varies depending on check style ordered

Discretionary Overdraft Privilege Policy

BUSINESS LOANS
From short-term cash flow and long-term financing, to restructuring your existing debt, we’re here to help. Whatever your needs are, our commercial lenders are here to structure loans for your business needs.  We’re committed to helping you get started and stay strong.

We know and understand the importance of being there when our customers call on us. It is critical to quickly respond to business opportunities. And that’s exactly what we do.