NEW: Horizon Checking!
Save money. Save time. Save the planet.

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

Learn more and start saving today!

Just for our customers age 18-24!

  • No minimum balance required
  • 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.
  • No monthly service charges*
  • 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 nonsufficient (NSF) item.


Welcome to Philo Exchange Bank. We're a locally-owned bank dedicated to serving our customers and our communities. Our hometown focus guides the way we do business, ensuring that you always get the best in financial products and services.

Community Hub

Click here to see information about our communities and schools, plus a calendar of local community-wide festivals and events.