FDIC Insured · NMLS #480228

Exchange Bank Account Alerts — Real-Time Notifications for Every Transaction

Exchange Bank account alerts keep you informed the moment anything significant happens on your account. Set your own thresholds, pick your preferred delivery channel, and let the alerts work in the background while you focus on your day.

Exchange Bank Account Alerts — What You Need to Know

Exchange Bank offers five primary alert categories: Low Balance, Large Transaction, Login Activity, Deposit Received, and Payment Due. Each alert can be delivered by SMS text, mobile push notification, or email — or any combination. Thresholds are fully customizable and changes take effect immediately after saving. Alerts are free for all Exchange Bank account holders. Configure alerts by logging in to online banking at online-banking or through the mobile banking app. For help, call (800) 397-3962.

Stay Informed

What Exchange Bank Account Alerts Do For You

An account alert is an automatic notification triggered by a specific event or condition on your Exchange Bank account. Rather than logging in to check your balance after every transaction, alerts bring the information to you.

Proactive Financial Awareness

Most overdraft fees, missed payment penalties, and fraud losses share a common root cause: the account holder didn't know something had happened until too late. Account alerts close that gap. A low balance alert fires before you overdraw. A large transaction alert catches unauthorized spending within minutes. A login activity alert tells you if someone accessed your account from an unrecognized device.

Exchange Bank account alerts are not passive reports — they are actionable signals. When a large transaction alert arrives, you know immediately whether to call (800) 397-3962 to report fraud or simply recognize a purchase you made. That distinction, made in real time, is the difference between a stopped fraudulent transaction and a difficult dispute weeks later.

Fully Customizable Thresholds

Every alert at Exchange Bank uses customer-defined settings. You choose the dollar threshold for a low balance warning — whether that's $100 or $2,000. You set what counts as a "large transaction" for your lifestyle. You decide whether alerts arrive by text, push notification, email, or all three simultaneously. There is no one-size-fits-all configuration because spending patterns and risk tolerance differ for every account holder.

Security Alerts You Cannot Turn Off

Certain security-critical notifications — including failed login attempts, password changes, and new payee additions — are mandatory and cannot be disabled. These alerts exist to protect you regardless of your other preferences. They are delivered to the primary email address and phone number on file. If your contact information changes, update it immediately through Settings in online banking or by calling customer service to ensure these alerts reach you.

Alert Reference

Exchange Bank Account Alert Types at a Glance

All five alert categories, their delivery options, customization settings, frequency, and typical delivery delay.

Alert Type	Delivery Channel	Customizable Threshold	Frequency	Typical Delay
Low Balance	SMS, Push, Email	Yes — set any dollar amount	Once per trigger event	1–5 minutes
Large Transaction	SMS, Push, Email	Yes — set minimum transaction amount	Per qualifying transaction	1–5 minutes
Login Activity	SMS, Push, Email	No — triggers on every login	Per login event	Under 2 minutes
Deposit Received	SMS, Push, Email	Optional — minimum deposit amount	Per qualifying deposit	1–5 minutes
Payment Due	SMS, Push, Email	Yes — number of days before due date	Once per billing cycle	Delivered on scheduled day

Getting Started

How to Set Up Account Alerts at Exchange Bank

Configuring alerts takes less than two minutes. Here is the exact path through both the web platform and the mobile app.

Step 1 — Log In

Go to exchangebank.co.com/login.html and sign in with your username and password. Complete the MFA prompt if one appears. From the dashboard, locate the Settings icon in the upper right corner or in the app's bottom navigation menu.

Step 2 — Open Alerts Settings

Under Settings, tap or click "Alerts & Notifications." You will see a list of all accounts linked to your online banking profile. Select the specific account you want to configure alerts for — checking, savings, or credit accounts can each have independent alert preferences.

Step 3 — Configure and Save

Toggle each alert type on or off, set your dollar threshold where applicable, and select your delivery channels. You can choose SMS, push notification, email, or all three for each alert independently. Tap "Save" when finished. There is no waiting period — alerts activate immediately.

Security First

Fraud Alerts vs. Account Alerts — Understanding the Difference

Exchange Bank's security system generates automated fraud alerts independently of the account alerts you configure. Knowing the difference helps you respond appropriately to each type.

Automated Fraud Alerts

Exchange Bank's fraud detection engine monitors transaction patterns in real time. If a transaction is flagged as potentially fraudulent — due to unusual location, amount, merchant category, or velocity — an automatic alert is sent to your contact information on file. These alerts may ask you to confirm or deny a specific transaction. Responding accurately helps protect your account and prevents legitimate transactions from being blocked.

Standard Account Alerts

Standard alerts are events you define — low balance warnings, large purchase notifications, deposit confirmations, and so on. They are informational and do not require a response. They work best when the thresholds are tuned to your actual spending patterns: set a large transaction alert at a level that would genuinely surprise you, not at an amount so low that every coffee purchase triggers a notification.

What to Do When an Alert Arrives

Never click a link inside an SMS or email claiming to be from Exchange Bank unless you are certain it is legitimate. If you receive a suspicious alert or are unsure whether activity on your account is authorized, call Exchange Bank directly at (800) 397-3962. Exchange Bank will never ask for your full password or PIN by phone, text, or email.

FAQ

Exchange Bank Account Alerts — Common Questions

How do I set up account alerts at Exchange Bank?

Log in to Exchange Bank online banking or the mobile app, go to Settings, then Alerts. Select the account you want to monitor, choose an alert type, set your threshold or preference, and select your delivery channel — SMS, push notification, or email. Save your settings. Changes take effect immediately and alerts begin triggering on the next qualifying event.

What is the difference between SMS, push, and email alerts?

SMS alerts are text messages sent to your mobile number — they arrive even without a data connection and do not require the Exchange Bank app. Push notifications are delivered through the Exchange Bank mobile app and appear on your device's lock screen when the app is installed. Email alerts go to your address on file and are best suited for less time-sensitive notifications like payment due reminders. All three can be enabled simultaneously for the same alert type.

How long does it take for an account alert to arrive?

Most Exchange Bank account alerts are delivered within 1–5 minutes of the triggering event. Security-related alerts such as login activity notifications are prioritized and typically arrive in under two minutes. Carrier delays during peak times or in areas with limited mobile coverage may occasionally extend delivery. Payment Due alerts are pre-scheduled and arrive on the calendar day you select during configuration.

What is the difference between fraud alerts and standard account alerts?

Standard account alerts are configured by you to notify you of conditions you select — low balance, large transaction, deposit received, etc. Fraud alerts are generated automatically by Exchange Bank's security systems when unusual or suspicious account activity is detected. Fraud alerts may include a request to confirm or deny a specific transaction. Both types use your contact information on file, but fraud alerts are mandatory and cannot be disabled by the customer. Contact (800) 397-3962 if you receive a fraud alert you did not expect.

How do I disable or change an Exchange Bank account alert?

Log in to online banking or the Exchange Bank app, go to Settings, then Alerts. Select the alert you want to change and adjust the threshold, delivery channel, frequency, or toggle the alert off entirely. All changes save immediately. You can also call (800) 397-3962 during business hours to have a representative update your preferences if you are unable to access online banking.

Keep Exploring