BUSINESS CHECKING/SAVINGS:
Business Checking - A regular non-interest bearing account that checks may be written on and deposits made to for business customers. The monthly service charge is $5.00 plus $.15 a check over 35 checks.

Business Savings - A regular interest bearing savings account allowing six transfers or withdrawals per month. There are no monthly service charges if a $50.00 average balance is maintained.

BUSINESS LOANS:
Line of Credit - Our lending staff is skilled at understanding the needs of your business and repayment terms. If your borrowing needs change from month to month, a line of credit might be a viable option for your business.

Commercial Real Estate - We can help you finance the purchase and construction of commercial real estate. We have experience in financing income-producing properties, commercial real-estate properties, apartments, offices, and other commercial enterprises.

MERCHANT CREDIT CARD PROCESSING:
The Exchange Bank can help you manage your customer's bank card payments efficiently, conveniently and economically. Whether you sell arts & crafts on the weekend, supply products and services nationwide or perform contract services for a government agency, you should consider accepting credit cards as payment. Exchange Bank can help you by:

• - Eliminating accounts receivable.
• - Collecting full payment up front - rather than invoice 30 days later.
• - Reduce or eliminate the risk involved with accepting personal checks.
• - Provides your customer with a convenient payment option.

REMOTE DEPOSIT CAPTURE:
Remote deposit capture refers to the ability to deposit checks into your Exchange Bank account from your business without having to physically deliver the actual check to the bank. This is typically accomplished by scanning a digital image of a check onto a computer, then transmitting that image to the bank--a practice that became legal in the United States in 2004 when the Check Clearing for the 21st Century Act (or Check 21 Act) took effect.

OTHER SERVICES:
Online Cash Management - Our Online Banking site allows you to set up direct deposit of payroll, originate ACH payments and receipts. All of these services are available for a low monthly fee ranging from $20.00-$25.00 based upon activity.