At Philo Exchange Bank, we offer a variety of checking accounts to suit a diverse set of needs with our personal and commercial accounts.
Horizon Checking
Save time. Save money. Save the planet.
- No minimum balance required
- No monthly service charges*
- Free online banking (required)
- Free Online Bill Pay
- Free E-Statements (required)
- Free ATM/Debit card
- $50 minimum opening deposit required
GR8 STRT Checking
Specially designed for customers age 18-24.
- No minimum balance required
- No monthly service charges*
- Free online banking (required)
- Free E-Statements (required)
- Free Online Bill Pay
- Free Card Valet mobile phone app (data and message rates may apply)
- Free ATM/Debit card
- A $20 monthly credit toward any fees imposed by ATMs not owned by Philo Exchange Bank
- After every 200 debit card transactions, you receive a $10 iTunes gift card!
- Free GR8 STRT checks
- $50 minimum opening deposit required
Universal Checking
Appeals to just about everyone!
- $100 minimum balance ($7.50 monthly fee if the balance drops below the minimum)
- Minimum balance and minimum service charges waived if one of the following applies: customer is 21 year of age or younger, customer is 50 years or older, or customer has a monthly direct deposit into the account.
- Unlimited transactions
- Free ATM/Debit card
- $100 minimum opening deposit required
NOW Account (Checking with Interest)
Perfect for those who maintain a balance of $1,000 or more.
- $1,000 minimum balance ($7.50 monthly fee if balance drops below the minimum)
- Unlimited transactions
- Interest credited monthly
- Free first order of 200 wallet-style checks
- Free ATM/Debit card
- Free Card Valet mobile phone app (data and message rates may apply)
- Free Online Bill Pay (E-Statements required)
- Option of paper or Free E-Statements
- Please contact the bank for current rates
*Other fees: For every checking account, a fee of $27.50 applies for each overdraft and non-sufficient (NSF) item.