Exchange Bank offers paper checking accounts, but you'll need to visit a branch in person to open one

Exchange Bank is a regional bank based in California with branches across the North Bay and surrounding areas. If you want a paper checking account — one where you receive a physical checkbook and statements on paper rather than online — you can open one at any Exchange Bank branch. The process requires you to visit in person with identification and proof of address, similar to opening any checking account at a traditional bank.

Exchange Bank does not offer online-only checking accounts the way some national banks do. This means all their checking accounts come with the option to use paper checks and receive paper statements if you want them. You won't be forced into digital-only banking, which matters if you prefer or need physical checks for bills, rent, or other payments.

Key Takeaways

  • Exchange Bank is a regional California bank where you must visit a physical branch to open any checking account, including paper checking accounts.
  • You will need a government-issued ID, proof of your current address, and your Social Security number to open an account.
  • Exchange Bank checking accounts come with check-writing privileges and the option to receive paper statements, though you can also use online banking if you choose.
  • Minimum opening deposit amounts and monthly fees vary depending on which checking account product you select, so ask the branch what options are available.

What you need to bring to the branch

Bring a government-issued photo ID — a driver's license, passport, or state ID card. You'll also need proof of your current address, which can be a utility bill, lease, mortgage statement, or recent bank statement with your name and address on it. The document should be dated within the last 60 days. Have your Social Security number ready as well.

If you're opening an account for a business rather than personal use, bring your business license or EIN documentation along with your personal ID. Exchange Bank staff can tell you what specific documents they need when you call ahead or arrive at the branch.

Finding an Exchange Bank branch near you

Exchange Bank has branches throughout Sonoma, Marin, Napa, and Solano counties in California. You can find the full list of branch locations and hours on their website. Call ahead before you go — this lets you confirm the branch is open and ask whether you need to make an appointment, especially if you're visiting during busy times.

Some branches may have different hours or temporary closures, so a quick phone call saves a wasted trip. The staff can also answer questions about which checking account option might work best for your situation before you arrive.

What happens during your visit

A bank representative will ask you questions about how you plan to use the account — whether you'll be depositing checks, making transfers, or using it primarily for bill pay. They'll explain the checking account options available and what the monthly fees, minimum balances, and other terms are. You'll complete an process form with your personal information.

The bank will verify your identity and address using the documents you brought. They may also check ChexSystems, which is a banking history report that shows whether you've had problems with accounts at other banks. Once everything is approved, you'll sign the account agreement and receive your account number. Your checks will be ordered and mailed to you, usually arriving within one to two weeks.

Paper checks and statements

Your first set of checks will be ordered as part of opening the account. You can choose from standard check designs, and the bank will print your name, address, and account number on them. Reordering checks is straightforward — you can order them through online banking, by phone, or in person at a branch.

Paper statements are sent monthly by mail unless you choose to go paperless. Even if you set up online banking, you can request paper statements at any time. Some people use both — they check their account online regularly but keep paper statements for their records or taxes.

Online banking alongside your paper account

Having a paper checking account doesn't mean you can't use online banking. Exchange Bank offers online and mobile banking for all their checking accounts. You can set up online banking during your branch visit or afterward by going to their website. This lets you check your balance, transfer money, and pay bills electronically while still having the option to write paper checks when you need them.

Many people use both methods — they write checks for rent or larger bills but use online transfers for everyday payments. You're not locked into one way of banking just because you have a paper checkbook.

Frequently Asked Questions

Do I have to use paper checks if I open a checking account at Exchange Bank?

No. You can order checks but never use them, and instead handle all your banking online or with a debit card. The checks are available to you if you need them, but there's no requirement to use them. You pay for checks only when you order them.

What if I don't have a recent utility bill for proof of address?

A lease agreement, mortgage statement, or recent bank statement from another institution will work. If you've just moved and don't have any of these yet, ask the branch what other documents they accept — some branches may take a signed lease or a letter from your landlord.

Can someone else open the account for me if I can't visit the branch?

No. You must be present in person with your own ID to open a checking account. This is a legal requirement for all banks. If you're unable to visit, ask whether the branch offers appointments at times that work better for you.

How long does it take to get my checks after I open the account?

Checks typically arrive within one to two weeks of opening your account. You can use your account and debit card when ready, even while you're waiting for checks to arrive. Ask the branch for an estimate based on their current processing times.

Will Exchange Bank let me know if my process is denied?

Yes. If there's an issue with your ChexSystems report or another problem, the bank will tell you during your visit or contact you shortly after. You have the right to know why an account was denied and can dispute information in your ChexSystems report if it's incorrect.