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When You Change to Exchange...You Can Do More!

Exchange Bank is a lot more than just another bank and we can give you more reasons to consider changing banks than any other bank. Exchange offers FREE Checking and, if you qualify, Overdraft Privilege to prevent returned checks. Plus, there's FREE Telephone Banking, FREE VISA Check Card®, convenient, FREE 24-Hour ATM banking, and a host of other terrific services.

Exchange Bank has a variety of checking accounts to choose from to suit your personal needs. We offer Prime Checking for basic checking accounts, the Prestige Checking, NOW Checking and Money Market for customers looking for an interest bearing account.

You may also want to consider a Savings account or open an IRA for your retirement. Whatever your financial goal, we can help!

 

Checking

• Free Checking
   

  Minimum opening deposit $100.00 Unlimited Check Writing Direct Deposit required E-Statements required

  First 50 checks free Overdraft Protection available to credit approval VISA® Check Card

• Prestige Checking
  Join the Prestige Club and enjoy all the extras of Prestige Checking for a flat monthly membership fee of only $10.00. This choice account is for the customer to enjoy the advantages of the following excellent services:
   

  Interest on Checking Personalized Checks (limited) Unlimited Check Writing Direct Deposit $20,000 Accidental Death & Dismemberment Insurance Credit Card Protection Key Ring Protection Medical Emergency Data Card "Pay yourself First" Savings Program Notary Service FDIC Insurance Optional Christmas Club Membership

  Visa Check Card Medical Insurance Filing Assistance Asset Organizer ID Network Discounts on Travel, Tours & Seminars Traveler's Physician Network Family Budget Log Auto Trip Routing Traveler's Checks Fee Discount Safe Deposit Box Fee Discount Electronic Debits Personal Line of Credit (application required)

• Prime Checking
  A basic account designed for customers who write a few checks each month. A monthly fee of only $6.00 plus $0.20 per check over 50. This fee is waived with balances over $1,000. Discounts are available to students, newlyweds and customers age 62 and older. Bank services include:
   

  Personal Lines of Credit (application required) Electronic Debits Optional Christmas Club Membership Direct Deposit

  Visa Check Card Pay yourself First Savings Program FDIC Insurance

• NOW Checking
  Our most popular interest-bearing account, NOW Checking, earns a variable rate of interest and is compounded monthly to provide you the maximum return on your funds. There are no fees for NOW Checking account holders if a minimum balance of $1,000 is maintained and you do not exceed 30 checks issued per month. Benefits include:
   

  Direct Deposit Optional Christmas Club Membership Electronic Debits

  FDIC Insurance Visa Check Card Personal Line of Credit (application required)

• Premium Checking
   

  Minimum opening deposit Deposit - $100.00 Monthly membership fee $6.00 Protection and Insurance Benefits MyIDMatters Overdraft Protection Available

  $10,000 Identity Theft Insurance Payment Card Protection Triple Bureau Credit Reports Triple Bureau Credit Alert Fraud Protection and Credit Management Visa Debit Card

Savings

• Money Market
  Our Money Market Investment Account is for those customers wanting greater earning potential combined with some check writing privileges. This account earns a variable rate of interest, compounded monthly to provide you the maximum return on your funds. There are no fees for Money Market Investment Account holders if a minimum balance of $1000 is maintained and the limited withdrawal privileges are not exceeded. Benefits include:
   
  • Direct Deposit
  • FDIC Insurance
     
• Savings
  An excellent tool for achieving your short-term savings goal. There are no fees on this ideal account if a minimum balance of $200 is maintained and you do not exceed three withdrawals/teller transfers/electronic transfers per month. Benefits include:
   
  • Direct Deposit
  • FDIC Insurance
     
• Individual Retirement
  Educational, Roth and Traditional IRA's are excellent accounts to meet your investment and savings goals. Contributions may be tax deductible, and interest earned is tax deferred until withdrawal. Our rates are competitively priced based on current rates and economic conditions. Benefits include:
   
  • FDIC Insurance
  • Automatic Transfers

Consumer Loans

Considering a new car, new furniture, home repair or improvement? Exchange Bank can provide the money for any project or need. We offer personal service processing your application immediately.

Convenience Banking

Exchange Bank provides additional services to enhance your account with us. Our newest services include the VISA® Check Card, Image Statements, e-statements, online banking and 24-Hour TeleBanc. Select a product at left to learn more!
Exchange Bank also has convenient ATMs for you to access your account, withdraw money or make deposits 24 Hours a day.

• Overdraft Protection
  Our Overdraft Protection gives you the peace of mind that checks will not be returned (subject to available limits).
  Discretionary Overdraft Privilege Policy
   
• Checking Line of Credit
  A pre-approved Line Of Credit to use anywhere, anytime, for anything.
   
• 24-Hour TeleBanc
  From your home, office or cell phone, you can call our convenient and secure TeleBanc service 24 hours a day, 365 days a year for all kinds of account information. All you need is an account number, your password, and a touch tone phone. All of the services below, and more, can be accessed from your touch tone phone and it's completely free! Call 318.352-8141 and press 7 for more information.
  Just some of the services you get with TeleBanc are:
   
  • Most recent checking and savings transactions
  • Current information for CDs
  • Loan payment information
  • Transfer funds; checking to checking; checking to savings; savings to checking; savings to savings
  • Make a loan payment from checking
  • Change your personal ID number
  • Faxed statements
     
• Visa® Check Card/ ATM Card
  The Exchange Bank VISA® Check Card is accepted everywhere VISA ®cards are welcomed. It is a fast and simple way to debit your checking account without the inconvenience of writing a check. All transactions will appear on your monthly bank statement. Of course, you can continue to use the VISA® Check Card to get cash at ATMs around town or at most ATM's worldwide. There is no setup or user fee with the Exchange Bank VISA® Check Card.
   
  • ATMs
    • 700 Front St
      Natchitoches, Louisiana
      (Walk-Up ATM)
       
    • 104 South Dr
      Natchitoches, Louisiana
      (Drive-Up ATM)
       
    • University/ATM Branch
      (Stine's Parking Lot
      Hwy 1 Bypass near LA 6)
      Natchitoches, Louisiana
      (Drive-Up ATM)
       
    • Broadmoor/ATM Branch
      205 Keyser Ave
      Natchitoches, Louisiana
      (Drive-Up ATM)
       
  • For Lost or Stolen Visa Check Cards Call: 1.800.500.1044
    
    
• ATMs
  You can enjoy nationwide banking anytime, day or night with the convenience of 24-Hour Banking at Exchange Bank ATMs. Every checking account customer is eligible. Bank anywhere in the country where you see the Pulse, Visa, Mastercard, Cirrus, Plus and other network signs.
  

  Branches	ATMs
  Main Office 700 Front St Natchitoches, Louisiana	700 Front St Natchitoches, Louisiana (Walk-Up ATM)
  East Natchitoches Branch 104 South Dr Natchitoches, Louisiana	104 South Dr Natchitoches, Louisiana (Drive-Up ATM)
  	University Branch (Stine's Parking Lot Hwy 1 Bypass near LA 6) Natchitoches, Louisiana (Drive-Up ATM)
  	Broadmoor Branch 205 Keyser Ave Natchitoches,Louisiana (Drive-Up ATM)

• Image Statements
  Exchange Bank provides Image Statements to all checking account customers. Features include:
  • Images of checks and deposits are sent to you each month
  • Images are listed in check number order for easy reconciliation
  • Check images are acceptable as proof of payment
  • Check images are legal IRS documents
  • Each account receives a 3-ring binder with monthly dividers
  • Image statements are pre-punched for easy insertion
  • Bank records are organized, easy to file, and readily accessible
  • Laser printing makes statements easy to read
  • May view check images online
     

  To view a sample, click here.