Free Checking

first Essential Checking

Are you looking for a free checking account that gives you everything you need without any of the nonsense? Our firstEssential Checking account lives up to its name. You won't find any non-essentials like hidden fees, crazy hoops to jump through, or special requirements. Just the free checking you’ve been waiting for, plain and simple.

What perks does firstEssential Checking offer?

  1. Free Debit Card*
  2. Free Internet Banking
  3. Free Mobile App*
  4. Free Text Message Banking*
  5. Free Mobile Check Deposit
  6. Free Bill Pay
  7. Free Mobile Wallets
  8. Free E-Statements*
  9. Overdraft Protection Transfers*
  10. Limited ATM Fee Reimbursement Nationwide*
  11. No Monthly Fee*
  12. No Minimum Balance Requirement*


Open your firstEssential Checking Account Today!

Founded in 1932, First Exchange Bank is proud of our long history as an independent bank meeting the financial needs of local West Virginians in White Hall, Hundred, Mannington, Fairmont, Fairview, or Morgantown and beyond. We strive to be the best in our market area and continue to focus on providing excellent service to our customers and communities. Go to great heights with First Exchange Bank!

firstEssential Checking
firstPlus Checking
firstPlatinum Checking
Monthly Fee* Free $10* $15*
Minimum to Open $50 $50 $50
Minimum Balance to Earn Interest -- $1,000 $2,500
Interest -- Yes Yes, Tiered
Limited ATM Fee Reimbursements* $15 Limit* $25 Limit* $45 Limit*
E-Statements* Free Free Free
Printed Statements* $2* Free Free

*Minimum deposit of $50 required to open account. After the initial deposit, there is no minimum balance required to maintain account or its perks for a firstEssential Checking Account. There is a $5 replacement fee for debit cards. There is a $2 fee for mailed statements. This fee will be waived if you maintain a minimum combined daily deposit balance of at least $5,000 (Checking’s, Savings, and CD) on the last day of your statement cycle. Statements will only be mailed upon customer's request. Overdraft Protection is available when linked to a savings account. We'll use the money from the linked account to pay transactions that overdraw your account. A $15 limit on ATM fee reimbursement applies for firstEssential, $25 limit for firstPlus, and $45 limit for firstPlatinum Checking Accounts. Valid for non-First Exchange Bank ATM fee reimbursements at US ATMS only. Message and data rates may apply. Contact your mobile provider. 

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