Personal Banking at

Exchange State Bank
 
Products We Currently Offer
 
Exchange Checking
No minimum balance. No maintenance fee.
 

NOW Checking

If you normally maintain a higher checking balance and want to earn market rates of interest then this account may be of interest to you. You have unlimited check writing priviliges and will earn a variable rate of interest. If your average daily balance falls below $500.00 during the month you will pay a Maintenance Fee of $5.00 plus .15 cents per check. If your average daily balance falls below $500.00 during the month you will still earn interest for that month.
 
Tiered Interest Checking
You have unlimited check writing privileges and will earn a variable rate of interest. If your average daily balance falls below $2,500.00 during the month you will pay a Maintenance Fee of $10.00 plus .15 cents per check. If your average daily balance falls below $2,500.00 during the month you will still earn interest for that month.
 
SHAZAMChek
SHAZAMChek is basically an electronic checkbook. Use it to get cash at automated teller machines (ATMs). Use it to pay for goods and services from your checking account - anywhere MasterCard Debit Card is accepted or at any SHAZAM merchant location. That's millions of locations worldwide! It's simple, it's convenient, it's the way to pay. See us about SHAZAMChek today.
 
VOICE ACCESS
VOICEACCESS is a unique banking system. The system will provide you with checking, savings, cd, loan, and other information 24 hours a day. This service is convenient, fast, private, and confidential. Call toll free 1-877-271-1580 or locally 962-3736.
 
Savings
An easy and convenient way to save with no minimum balance requirement. Transfers from a Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. You will receive a statement in any month in which you have an ATM or EFT transaction. Otherwise statements are sent quarterly. The interest will be added to your account monthly. The interest rate can change daily.
 
Money Market Savings
A savings plan that offers a higher rate of interest. You must maintain a $2500.00 average daily balance to earn the higher rate of interest. If the average daily balance falls below $2,500.00 you will earn the lowest tiered rate of the Money Market Savings account. Transfers from a Money Market Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per month. Statements are sent monthly.
 
Certificates of Deposit
Exchange State Bank offers FDIC insured high yielding certificates with a variety of maturities. All rates for certificates are posted in the lobby. There are substancial penalties for early withdrawl.
 
Consumer Loans

Personal loans allow you to purchase a new car, acquire a student loan, make long overdue home improvements, or help with that much needed family vacation. Exchange State Bank can tailor a loan to your specific needs. These loans feature:

  • Competitive Rates
  • All applications are approved right here by loan officers that you know and trust
  • Repayment options to fit your budget
  • No application fee

Real estate loans are available for that special new home property. Also available are loans for refinancing your present home for any purpose. Fixed and adjustable rate mortgages are available with terms up to 20 years. Features include:

  • Lower closing costs
  • Competitive rates
  • Rapid turnaround on approvals
  • No application fee

For Agricultural loans, click on our Comercial Banking button.

 
 
Please contact a Exchange Bank representative by calling any of our offices for more information on our personal banking products & services we offer.
 
Back To Top