firstEssential Checking

What perks does firstEssential Checking offer?

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.

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!

Checking Account Options

See what our checking accounts can offer. Choose the best account for you!

firstEssential CheckingfirsPlus CheckingfirstPlus Platinum Checking
Monthly Fee*Free$10*$15*
Minimum to Open$50$50$50
Minimum Balance to Earn Interest--$1,000$2,500
Interest--YesYes, Tiered
Limited ATM Fee Reimbursements*$15 Limit*$25 Limit*$45 Limit*
Printed Statements$2*FreeFree
firstEssential CheckingfirsPlus CheckingfirstPlus Platinum Checking
ID Theft Protection*--Select Any 2Free
Free Checks--Select Any 2Free
Free Monthly Movie at Tygart Valley Cinema (Subject to Availability)--Select Any 2Free
25% Discount on Safe Deposit Box Rental Fee--Select Any 2Free
0.25% Discount on a Consumer (non-real estate secured) Loan*--Select Any 2Free
Free Cashier’s Checks--Select Any 2Free

*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.