Relationship Checking
Relationship Checking offers you free, unlimited access to all the features of Exchange OnLine (Internet banking) including Bill Payment, eBills, eStatements and Personal Financial Management tools. Receive a free, no annual fee Visa® CheckCard and earn points towards great rewards.
- Unlimited check writing.
- Free Exchange OnLine access (Internet Banking).
- Free Exchange Line access (Telephone Banking).
- CheckCard or ATM card with no annual fee.
- Free unlimited use of Exchange OnLine Bill Pay Feature.
- Unlimited ATM transactions with no service fee.
- Reduced annual fee on a Personal Line of Credit (subject to credit approval).
- Overdraft Protection via Savings with no annual fee.
- No minimum balance required and avoid monthly service charges with direct deposit of payroll on at least a monthly basis or a National Exchange Bank & Trust mortgage.
- Free check safekeeping.
- $50.00 minimum opening deposit.
- Minimum balance levels:
- $250 daily balance in the account, or
- $500 monthly average balance in the account, or
- $1,000 daily minimum balance maintained in a regular savings account, money market, certificate of deposit or IRA certificates.
- $5 monthly fee plus 25¢ per withdrawal if one of the above balance requirements is not maintained.

