Exchange State Bank Home PageContact Exchange State Bank(810) 657-9333
Switch Kit
Make the move to Exchange State Bank and use our handy Switch Kit.
eBanking Services
Set your own "banker's hours" and bank online, pay bills and more!
Savings & Retirement Calculator
When will you be ready to retire? Let our calculator give you a hand.

Personal Deposit Products

We offer a variety of deposit solutions for customers of all types. From your basic checking to special programs for those "50 and better" and even great rate CDs and IRAs. Let Exchange State Bank take care of all your deposit needs.

Individual Checking

A great checking account with a low minimum balance requirement.

  • Free ATM Debit Card
  • Free Debit MasterCard®
  • Free eTeller Online Banking
  • Free Bill Payment
  • No per check fee
  • No per deposit fee
  • Free monthly itemized statement
  • $ 100.00 deposit required to open account
  • $ 250.00 required minimum daily balance ($ 5.00 fee if daily balance falls below)

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Fabulous 50's Checking

If you're "50 or better" you qualify for this special account:

  • Free order of checks for new accounts
  • $ 100.00 deposit required to open account
  • No fee if $ 250.00 required minimum daily balance is maintained, or $ 5,000.00 compensating balance in any deposit account ($ 5.00 fee if daily balance falls below)

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62+ Checking

Those eligible for SSA retirement benefits also qualify for our 62+ Checking:

  • Free Debit MasterCard®
  • Free eTeller Online Banking
  • Free Bill Pay
  • Free Itemized Statement
  • 400 free checks annually
  • 5 free Cashier’s Checks
  • 10 free Money Orders
  • Free Safe Deposit Box for 1 Year
  • No minimum daily balance with Social Security Direct Deposit
  • No minimum daily balance with Pension Check

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Student Checking

If you're in school, or you know someone who is, this is the perfect account.

  • Free ATM Debit Card
  • 4 Free Foreign ATM withdrawals per month
  • Free Debit MasterCard®
  • Free eTeller Online Banking
  • Free Bill Payment
  • No per check fee
  • No per deposit fee
  • Free monthly itemized statement
  • $ 100.00 deposit required to open account
  • No minimum daily balance required.

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NOW Account

An account for higher balance customers.

  • Free ATM Debit Card
  • Free Debit MasterCard®
  • Free Online Banking
  • Checks available
  • Free monthly itemized statement
  • $ 500.00 deposit required to open account
  • No fee if $ 500.00 required minimum daily balance is maintained ($ 5.00 fee if daily balance falls below)

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Investment Account

A special high-yield account for higher balance customers.

  • Free ATM Debit Card
  • Free Debit MasterCard®
  • Free Online Banking
  • Transaction limits apply (Reg D)
  • Checks available
  • Free monthly itemized statement
  • $ 2500.00 deposit required to open account
  • No fee if $ 2500.00 required minimum daily balance is maintained ($ 5.00 fee if daily balance falls below)

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Statement Savings

The perfect compliment to a checking account, a Statement Savings account at Exchange State Bank is a safe and convenient place to keep funds on hand, and accessible whenever you need it. You can transfer funds to a checking account via our eTeller online banking service or with one of our handy ATM or Debit MasterCards.

 

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Certificates of Deposit

An FDIC-Insured Certificate of Deposit is a great way to watch your money grow, safely. With terms up to 60 months and competitive rates, let Exchange State Bank help you with your long-term savings goals.

 

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Individual Retirement Accounts (IRAs)

If you are planning for retirement and interested in saving money for the day when you no longer have to "go to work" an IRA is a great tool to help you along the way. If you're not sure whether a Traditional or Roth IRA is right for you, stop in for a visit or contact us to learn which program is right for you.

 

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