Relationship Checking

• 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

Our checking account customers also enjoy the convenience of:

Visa CheckCard with rewards
Exchange Line – Telephone Banking
Exchange OnLine – Internet Banking
Personal Line of Credit