Exchange Bank

Headquarters: Santa Rosa, California
Charter: Bank
Assets: $3.2B
Fed district: San Francisco

5 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 13, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Premier Plus Checking
Can be waived with a balance of $25,000 or more.
Exchange Bank: $20
Exchange Bank: $20
U.S. median: no median
Overdraft (OD)
Exchange Bank: $32
Exchange Bank: $32
U.S. median: no median
NSF / Returned Item
Exchange Bank: $32
Exchange Bank: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 13, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Exchange Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee (Premier Plus Checking)$20
per month

Overdraft & NSF

Overdraft Fee$32
per item
NSF Return Item Fee$32
per item
Overdraft Fee of daily maximum$160
per day

Digital & Electronic

Automated Clearing House (ACH) transactions, electronically converted checks, electronic bill payments, and recurring de$32

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee (Premier Plus Checking)	$20	per month	None
Overdraft & NSF
Overdraft Fee	$32	per item	None
NSF Return Item Fee	$32	per item	None
Overdraft Fee of daily maximum	$160	per day	None
Digital & Electronic
Automated Clearing House (ACH) transactions, electronically converted checks, electronic bill payments, and recurring de	$32	Not stated	None

Correct a fee source

Oct 13, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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