C+ MyBankTracker Rating

Exchange Bank

About Exchange Bank

Exchange Bank, Sonoma County’s oldest and largest community bank, today announced a $75 million commitment to new consumer and small business loans for customers in Sonoma County. The Sonoma County Loan Program includes newly reduced rates for a broad range of consumer and small business credit – including conforming residential mortgages to be held in the bank’s portfolio.

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MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Exchange Bank Bank Customer Reviews

  • R
    Reviewed By Richard Jun 7, 2013

    worst bank in my life my age 56 there fees for over draft - out of this world

    i am a disabled veteran on SSI I lost my wallet on Sunday June 2nd 2013 or Monday June 3rd 2013 not really sure but know I had it Sunday evening and Monday evening it could not be found.I had a check in my wallet to deposit in this bank all my SSI checks are automatically deposited on the second Wednesday of every month.I check my account on the automated teller Monday evening it said I had $800 in my account.Tuesday as well

    I call the bank and it says I'm overdrawn $311.00 I get in my car drive as fast as i can get there and the women inside is locking the door she unlocks it and lets me go make a deposit $244.64 get my receipt now I'm $630.72 cents in the negative because they charged me (5) over draft fees of $32.00 each before I got there or I had enough to cover everything they paid every little bill they could to charge me those fees. Wednesday June 5th
    i was so pissed off did not go to the bank.so Thursday afternoon I got the check replaced that i lost with my wallet and deposit $1200 into my account in Cotati told the lady about my wallet being lost she put a hold on it so no one could use it look at my receipt positive $792.44 call the bank automated line it says there was (12) $32.00 fees I totally pissed keep my cool go to bank talk with them lady says manager will call me she would she what she could do.I go home no phone call talk with customer service Oh there's nothing he can do.I tell I have never been able to figure out hows this bank does it transactions you call there's things post or memo posted even some of the things posted have not officially paid yet like my mortgage last month they would have to think about it.gets even better they pay all these piddly charges to rack up the bill but they don't pay only one bill My car insurance-now, I'm totally screwed. i plan to show up there Monday morning early with signs to let there customers see how they treat disabled veterans $320 is my food money for like 3 months just because they would not let a person slide.

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  • J
    Reviewed By Janetex Apr 5, 2014

    New Policy! Checking account goes to zero balance and we close it!

    Surprise! New Policy - if you're checking account goes to zero balance they close it - no notice whatsoever. Last transaction 2/11 account at zero - not overdrawn but just zero balance. Two weeks later, I went in to make a deposit, the account was closed on 2/18. If you want to reopen it, you need to keep money in a savings account or your checking account will be closed if it goes to zero balance.

    Support your local bank? /Not any more. They are just as sleazy as the national banks with the extra added attraction of higher fees for everything and not even a letter in the mail to tell you your account has been closed.

    Thank you for your feedback Is this review helpful?

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A