checking

Checking Accounts

At the Philo Exchange Bank we offer a variety of checking accounts to suit a diverse set of needs to personal and commercial accounts.

Horizon Checking

Save time. Save money. Save the planet.

  • No minimum balance required
  • No monthly service charges*
  • Free online bill pay and e-statements
  • Free ATM/debit card
  • $50 minimum opening deposit
GR8 STRT

For customers age 18-24

  • No minimum balance required
  • No monthly service charges*
  • Free ATM/Debit card, plus a $20 monthly credit toward fees imposed by ATMs not owned by Philo Exchange Bank; after 200 debit card transactions, you receive a $10 iTunes gift card.
  • Free checks
  • Enrollment in e-statements required
  • $50 minimum opening deposit
Universal Checking

Appealing to just about everyone.

  • $100 minimum balance ($7.50 monthly fee if the balance drops below the minimum)
  • No minimum balance required or monthly service charges*
    with direct deposit; for full-time students age 21 or younger;
    for persons age 50 or better
  • Unlimited transactions
  • Free ATM/Debit card
  • $100 minimum opening deposit
Checking with Interest (NOW)

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
  • First order of 200 wallet-style checks free
  • Free ATM/Debit card
  • 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.