Personal Checking Accounts

Your Gateway to Effortless Banking! 

For many individuals, a personal checking account is the foundation of successful management of their personal finances. Whether you’re a student, working professional, or a stay-at-home parent, you need a checking account that fits your lifestyle. At First Exchange Bank, we’re not just about offering banking services; we’re about creating opportunities for our customers to manage their finances with ease, security, and a sense of accomplishment. Our suite of personal checking accounts is meticulously designed to cater to the diverse needs of our valued customers in White Hall, Mannington, Fairmont, Fairview, Hundred, and Morgantown.

Great Features Included with All Checking Accounts

FREE Debit Card: Make purchases and withdrawals with ease.
FREE Online Banking: Manage your finances anytime, anywhere.
FREE Bill Pay: Say goodbye to manual bill payments.
FREE Mobile Banking with Mobile Deposit: Bank on the go and quickly deposit checks with your smartphone or mobile device.**
• FREE eStatements: Access your statements online, securely and conveniently.
• FREE Thank You Gift: We appreciate your business and show it with a special gift when you open your account!**
FREE Referral Gifts: When you refer friends and family to join First Exchange Bank.**
• Debit Card & Unused Check Buyback: Switching to First Exchange Bank is easy. We’ll buy back your old debit cards and unused checks from another financial institution up to $10.**

Open a Checking Account

Our checking accounts are designed to suit various lifestyles and financial goals. Here’s a closer look at each option to help you make the best choice for your banking needs. If you need assistance deciding on the best personal checking account for you, our friendly staff are available to help. Get started opening a First Exchange Bank account today!

Explore Our Options for Personal Checking Accounts

firstEssential Checking:  Simplicity at its Best! 
  • Minimum to Open: A $50 initial deposit.
  • Benefits: Perfect for those who appreciate the tangibility of paper statements. This account requires no minimum running balance and has a low monthly fee of just $2 for paper statements, which we’re happy to waive with eStatement enrollment.
firstPremium Interest Checking:  Maximize Your Earnings!
  • Minimum to Open: Open your account with just $50.
  • Benefits: Perfect for those looking to get more from their checking account. Enjoy higher interest rates when maintaining a balance of $1500 or more. Avoid the $6.95 monthly charge by maintaining the minimum balance. The monthly $2 fee for paper statements can be waived when you sign up for eStatements.
firstBenefits Checking:  The Ultimate in Value and Protection
  • Minimum to Open: An initial deposit of $50.
  • Benefits: Unlock great benefits and perks with your checking account! From cell phone protection and identity theft resolution services to roadside assistance. Take advantage of accidental death & dismemberment insurance*, not to mention discounts on shopping, dining, and travel. All these benefits come alongside free standard checks and both paper and eStatements, all for a nominal monthly fee of $6.95. Learn more about our benefits checking account. 
Direct Interest Checking:  Earn as You Go!
  • Minimum to Open: Start with $50.
  • Benefits: Designed especially for customers aged 50 or older, or customers who have set up direct deposits. This account offers competitive interest rates without the need for a minimum balance or monthly service charges.  The monthly $2 fee for paper statements can be waived when you sign up for eStatements.

Why First Exchange Bank Is the Right Choice for You

Choosing where to bank is a significant decision, and at First Exchange Bank, we don’t take that decision lightly. We are committed to providing a banking experience that aligns with your lifestyle and financial goals. Our personal checking accounts are designed with you in mind, offering the flexibility, security, and benefits you deserve. With a focus on customer satisfaction and community values, we aim to be more than just a bank; we strive to be a trusted partner in your financial journey. Apply online or stop by any of our conveniently located branches in North Central West Virginia, including White Hall, Mannington, Fairmont, Fairview, Hundred, and Morgantown to open your account today.

Ready to Get Started?

Take the Next Step Toward Financial Freedom and open a personal checking account! For more information about our full range of services, contact us online or call us at 304-534-7200. Your ideal personal checking account awaits—discover the difference at First Exchange Bank!

*Insurance Products are not deposits, not FDIC Insured, and not insured by any federal government. 

**First Exchange Bank does not charge for Mobile Banking, but your mobile service may charge for text messaging and/or web access. Be sure to check your service provider for data rates. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/ debit cards are presented.

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