Deposit Accounts

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Find the Checking Account or Savings Account that is Right for You

Regardless of your financial goals or lifestyle, you need a checking and savings account to hold your hard earned money. The Exchange State Bank offers checking and savings accounts that work for just about anyone, whether you are just starting out, saving for a specific goal or getting peace of mind for the future.

Checking Accounts

Our Town Checking

Our Town Checking is The Exchange State Bank’s most popular checking account. On top of no annual fee for your ATM or Debit Card, Our Town Checking also comes with no monthly service charge, no per item charges and no fee for receiving your monthly statement and check images.

N.O.W. Checking

Want to earn interest on your checking account balance? N.O.W. Checking is for you! This account earns a variable interest rate and service charges are assessed based on your average daily balance. Like Our Town Checking, there are no fees for your ATM/Debit Card or your monthly statement and check images.

Double Nickel Checking

For customers age 55 and better, Double Nickel Checking has all the perks of Our Town Checking with the added bonus of one complimentary bank ordered checks every year.

Savings Account Options

Regular Savings

Save for an emergency fund or future costs with this variable interest rate savings account. Keep an eye on your account transaction and balance with monthly statements.

Kids Club Savings

Want to get your child or children saving early? The Exchange State Bank’s Kids Club savings account is available for children under 13 to help them learn savings habits while they’re young.

Money Market Savings

Earn more interest the more you save with this variable interest rate Money Market savings account. Checks are available, but withdrawals are limited. There is also no charge to receive your monthly statement.

IRA Savings

An easy way to save for your retirement, IRA Savings accounts offer a variable interest rate. While there are no deposit limits, withdrawals may result in penalties or taxes from the IRS depending on the circumstances.

Certificates of Deposit (CDs)

Grow your money safely and steadily over time. CDs at The Exchange State Bank offer great rates and a variety of terms from 91 days to 60 months, with a minimum deposit of $1,000. Penalties will occur for early withdrawal. Call or come by our locations to see our rates, as they are subject to change.

Open a Checking or Savings Account Today at The Exchange State Bank

Simply come by any of The Exchange State Bank’s two locations today to open your checking or savings account!