No monthly maintenance fee when you meet one of the following requirements during the monthly account cycle:
Maintain a daily minimum balance of $500 or more
Combined average daily collected balance of $750 or more in related deposit balances2
Business is enrolled in "Cash Manager Plus" or "Cash Manager Executive" Cash Management services3
No monthly maintenance fee when you meet the following requirement during the monthly account cycle:
Average daily collected account balance of $3,000 or more
Transaction limitations: An excessive withdrawal fee (Excess Withdrawal) of $15 is charged for each withdrawal if there are more than six withdrawals or transfers per monthly account cycle. You may make unlimited withdrawals and transfers to your other Exchange Bank deposit accounts each monthly account cycle at any branch or at an Exchange Bank ATM.
Transaction limitations and penalties may apply. Speak with a banker for more information.
Public Funds savings, money market, and certificate of deposit products are also available. Speak with a banker for more information.
With ICS® or CDARS®, you can access multi-million-dollar FDIC protection on deposits placed in money market deposit accounts and CDs—all through Exchange Bank. To learn more, visit any branch or call 707.524.3000.
1 The monthly maintenance fee is waived for the first two account cycles after opening the account.
2 You must designate the deposit accounts or certificate of deposit accounts you want us to link to your account for combined balance waivers. For each designated linked account, the period of time that we use as the basis for calculating the balance, and the day that we use to determine the balance, may be different from the monthly account cycle of the benefiting account. The combined balances will be calculated three days before the monthly account cycle date of your account to determine eligibility for maintenance fee waiver.
3 The monthly maintenance fee waiver applies to the account charged for “Cash Manager Plus” or “Cash Manager Executive” Cash Management services.
Interest Rates & Annual Percentage Yields (APYs) are effective as of: 11/20/2024
Business Savings & Public Funds Savings
Minimum balance to open: $500
Balance1
Interest Rate1
APY1
All balances
0.10%
0.10%
1 We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account. New CDs with a balance of $5,000,000 or more require approval to open.
Fees could reduce earnings. Rates and terms are subject to change.
Business Money Market & Public Funds Money Market
Minimum balance to open: $1,000
Balance1
Interest Rate1
APY1
$9,999 or less
0.20%
0.20%
$10,000 - $49,999
0.30%
0.30%
$50,000 - $99,999
0.35%
0.35%
$100,000 - $249,999
0.70%
0.70%
$250,000 - $499,999
0.70%
0.70%
$500,000 - $999,999
0.75%
0.75%
$1,000,000 or more
0.75%
0.75%
1 We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account. New CDs with a balance of $5,000,000 or more require approval to open.
Fees could reduce earnings. Rates and terms are subject to change.
Certificates of Deposit (CDs)
Business CD - Promotional Offer3, 4
Minimum balance to open: $1,000
Term
Balance1
Interest Rate1
APY1
3 months
$99,999 or less
4.40%
4.50%
$100,000 or more
4.40%
4.50%
6 months
$99,999 or less
4.40%
4.50%
$100,000 or more
4.40%
4.50%
9 months
$99,999 or less
3.92%
4.00%
$100,000 or more
3.92%
4.00%
12 months
$99,999 or less
3.68%
3.75%
$100,000 or more
3.68%
3.75%
24 months
$99,999 or less
3.44%
3.50%
$100,000 or more
3.44%
3.50%
1 We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account. New CDs with a balance of $5,000,000 or more require approval to open.
3 Offer good for the initial term only. CD is automatically renewed for the same term. The rate is determined based on the published rate for Business CD, excluding Business CD promotional offers. Advertised rate and APY are offered at the bank's discretion and may change daily.
4 An early withdrawal penalty may be imposed for withdrawals of the principal amount of your CD before maturity. If your CD has a term of one year or less, the fee will equal three months interest on the principal amount withdrawn. If your CD has a term of more than one year, the fee will equal six months interest on the principal amount withdrawn.
Fees could reduce earnings. Rates and terms are subject to change.
Business CD2, 4
Minimum balance to open: $1,000
Term
Balance1
Interest Rate1
APY1
3 – 5 months
$99,999 or less
3.00%
3.05%
$100,000 or more
3.01%
3.06%
6 – 11 months
$99,999 or less
3.00%
3.05%
$100,000 or more
3.01%
3.06%
12 – 17 months
$99,999 or less
3.00%
3.05%
$100,000 or more
3.01%
3.06%
18 – 23 months
$99,999 or less
3.00%
3.05%
$100,000 or more
3.01%
3.06%
24 – 35 months
$99,999 or less
0.40%
0.40%
$100,000 or more
0.41%
0.41%
36 – 47 months
$99,999 or less
0.40%
0.40%
$100,000 or more
0.41%
0.41%
48 – 59 months
$99,999 or less
0.40%
0.40%
$100,000 or more
0.41%
0.41%
60 months
$99,999 or less
0.45%
0.45%
$100,000 or more
0.46%
0.46%
1 We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account. New CDs with a balance of $5,000,000 or more require approval to open.
2 Prior approval is required when opening a CD with $5,000,000 or more. CDs for bond or court ordered purposes may be opened with a minimum balance of $0.01 and are only available under $1,000.
4 An early withdrawal penalty may be imposed for withdrawals of the principal amount of your CD before maturity. If your CD has a term of one year or less, the fee will equal three months interest on the principal amount withdrawn. If your CD has a term of more than one year, the fee will equal six months interest on the principal amount withdrawn.
Fees could reduce earnings. Rates and terms are subject to change.
Public Funds CD4
Minimum balance to open: $1,000
Term
Balance1
Interest Rate1
APY1
3 – 5 months
$99,999 or less
2.70%
2.74%
$100,000 or more
2.71%
2.75%
6 – 11 months
$99,999 or less
2.70%
2.74%
$100,000 or more
2.71%
2.75%
12 – 23 months
$99,999 or less
2.70%
2.74%
$100,000 or more
2.71%
2.75%
1 We may change the balance tiers of the account at any time without notice. Interest Rates and Annual Percentage Yields (APYs) shown are offered on accounts accepted by the Bank and effective as of the date shown above. Your balance earns the interest rate in effect each day for the balance tier associated with your account balance. We may change the interest rate and annual percentage yield of each balance tier at our discretion. CDs earn interest at the rate established at the time of account opening, and the interest rate will not change for the term of the account. New CDs with a balance of $5,000,000 or more require approval to open.
4 An early withdrawal penalty may be imposed for withdrawals of the principal amount of your CD before maturity. If your CD has a term of one year or less, the fee will equal three months interest on the principal amount withdrawn. If your CD has a term of more than one year, the fee will equal six months interest on the principal amount withdrawn.
Fees could reduce earnings. Rates and terms are subject to change.
For more information call us at 707.524.3000 or 800.995.4066 or visit one of our branches.
Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks of IntraFi Network LLC.
Loans are subject to credit approval. Fees, conditions and restrictions may apply. Rates and programs subject to change. Contact your tax professional for advice on tax deductibility of interest.
