Exchange Bank-Deposits

Personal Accounts

	Checking/Savings
	FREE CHECKING - This is the low cost, safe and convenient alternative to carrying cash. Unlimited check writing, no monthly service charge and an ATM or Visa Check Card available upon qualification.
	NOW ACCOUNT - An interest bearing checking account. No monthly service charge if the $500.00 average monthly balance is maintained, otherwise a $5.00 monthly fee and $.20 per item over 20 items per month.
	55 & OVER CLUB - A special account for our customers 55 years or older. Free checks, Money Orders, Cashiers Checks and tiered interest rates based on average balance.
	PASSBOOK SAVINGS - Our basic savings account paying a competitive rate of interest. A $50.00 average balance is required to avoid the $3.00 quarterly fee. Up to 9 free withdrawals are allowed each quarter with a $1.00 per item charged for all withdrawals in excess of 9 per quarter.
	STUDENT SAVINGS - A savings account for children and full time students that are age 19 or under. The account pays interest quarterly and allows 12 free withdrawals per quarter with a $.50 per item charge for all withdrawals in excess of 12.
	CHRISTMAS CLUB - A savings account designed to set aside money for the holiday shopping time at the end of the year. The interest and principal is paid out the first week of November with an annual Christmas Club Check.
	MONEY MARKET SAVINGS - The perfect account for customers who want higher rates and still want limited access for special needs. This account offers a high variable tiered rate of interest paid on monthly collected balance and with no monthly service charge if the $1,000 average balance is maintained. The account is limited to 6 withdrawals each month. If the average monthly balance is not maintained , a $10.00 monthly fee and a $2.00 per item charge for withdrawals in excess of 6 per month will apply.

Certificates of Deposit

For customers seeking higher rates of return and willing to lock their deposit in for a definite period of time. Features include:

	30 day to 5 year terms
	Automatically renewable
	Interest compounded quarterly
	Interest can be added to the CD or paid out by check quarterly

	IRA / Other Retirement Plans
	Traditional IRAs - These IRAs are available to anyone under the age of 70 1/2 with earned income. Up to $3,000 of your income can be contributed each year - and your contributions may be tax-deductible. (See your tax advisor for potential tax savings)
	Roth IRAs - These IRAs are available to individuals with earned income - regardless of age. Up to $3,000 of your after-tax income can be contributed each year and your contributions benefit from tax-free growth. (See your tax advisor for potential tax savings)
	Educational IRAs - These IRAs can be set up by anyone for any child under the age of 18. Up to $2,000 can be contributed each year from all sources of your income. Withdrawals may be taken tax-free if used for secondary education purposes, but your contributions are not tax-deductible. (See your tax advisor for potential tax savings)

	Personal Loans
	Consumer Loans - The Exchange Bank offers a wide variety of consumer loans with competitive rates and terms. Call us to discuss a loan for any of the following: Car loan, Personal loan and many others. Terms available up to 60 months.
	Real Estate Loans - If you've been thinking of purchasing that dream home or purchasing that quarter of land for your expanding farming operation, Exchange Bank will help you with your purchase. Several financing options for real estate loans are available depending on your individual situation including balloon, fixed term, or variable rate.
	Nebraska Energy Loans - A low interest rate loan for energy efficient home improvements or appliances. Ask us for details on what types of improvements qualify.

Other Services

ATM Card - A card that allows access to cash from your checking or savings account from any ATM machine displaying the Cirrus symbol.

	No charge for transactions at any Exchange Bank or Nebraska National Bank (in Kearney) ATM Machines with your ATM card
	No charge for the first 4 withdrawals or inquires at ATM machines not owned by the Exchange Bank
	There will be a $1.50 charge for withdrawals or balance inquiries in excess of 4 per month at other ATM's not owned by the Exchange Bank or Nebraska National Bank

VISA Check Card - The VISA Check Card looks like a credit card, but is actually a check substitute. You can make purchases wherever you see the VISA logo and the amount of your purchase will be deducted from your checking account. Also, the VISA Check Card now becomes your ATM card, eliminating the need to carry two separate cards.

Exchange Bank Credit Card - With a wide variety of credit cards to choose from, Exchange Bank makes finding the perfect card for you easy. With the help of Élan Credit Card Services, we have several cards to choose from including:

	Platinum Card
	Platinum Travel Card
	Low Rate Gold Card
	No Annual Fee Gold Card
	College Card