chjecking accounts

Checking Accounts

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.