Exchange Bank Online Bill Pay — Schedule & Automate Payments
Pay any U.S. biller from Exchange Bank online banking or the mobile app. Set up one-time payments, automate recurring bills, or receive eBills directly in your account — no stamps, no paper checks, no missed due dates.
Exchange Bank bill pay is included with every personal and business checking account at no additional charge. Account holders can pay any U.S. payee — utilities, mortgage servicers, credit cards, government agencies, or individuals — through online banking or the mobile app. Electronic payees receive funds in 1–2 business days. Paper check payees take 3–5 business days. Single payment limit is $25,000. Recurring and eBill options are available for most major billers. Questions? Call (800) 397-3962, Monday–Friday 8 AM – 6 PM ET.
Payment Options
Exchange Bank Bill Pay Options — One-Time, Recurring, and eBill
Three payment structures cover every billing scenario. Choose the one that fits your needs or use all three for different payees.
| Payment Type | Setup Time | Processing Days | Payment Limit | Cancellation Window |
|---|---|---|---|---|
| One-Time Electronic Payment | Immediate — payee added in under 2 minutes | 1–2 business days | $25,000 per transaction | Until midnight ET on the prior business day |
| One-Time Paper Check | Immediate — payee added in under 2 minutes | 3–5 business days | $25,000 per transaction | Until midnight ET on the prior business day |
| Recurring Electronic Payment | 2–3 minutes to set schedule and amount | 1–2 business days each cycle | $25,000 per occurrence | Until midnight ET on business day before next payment |
| Recurring Paper Check | 2–3 minutes to set schedule and amount | 3–5 business days each cycle | $25,000 per occurrence | Until midnight ET three business days before next payment |
| eBill (electronic statement) | 3–5 business days for biller to confirm enrollment | 1–2 business days once payment scheduled | $25,000 per transaction | Until midnight ET on the prior business day |
How It Works
Setting Up Bill Pay Through Exchange Bank in Three Steps
Adding your first payee takes less time than writing a check and addressing an envelope.
Add a Payee
Log in to Exchange Bank online banking and navigate to Bill Pay. Click Add Payee, then enter the company name, your account number with that biller, and their mailing address. For eBill-capable payees, you will see an option to receive electronic statements.
Schedule the Payment
Select the payee, enter the payment amount, and choose the date you want the payment to arrive. Exchange Bank calculates the send date automatically based on whether the payee accepts electronic payments or requires a paper check. For recurring bills, set the frequency and end date.
Confirm and Track
Review the payment summary and submit. A confirmation number is generated immediately. Track all scheduled and completed payments from the Bill Pay dashboard. You can also set up an alert to notify you when a bill pay transaction posts to your account.
eBill Feature
What Is an eBill and How Does It Work with Exchange Bank?
eBills eliminate the need to visit multiple biller websites every month.
Receive Bills Inside Online Banking
When you enroll in eBill for a participating biller — a credit card company, utility provider, or mortgage servicer — that biller sends your monthly statement directly into Exchange Bank online banking. You see the balance due and due date without logging in to the biller's website.
Pay with One Click
Each eBill arrives with a Pay Now button. Click it, confirm the amount, and the payment is scheduled. You can pay the minimum, the full balance, or a custom amount. Auto-pay rules let you automatically pay the minimum or full balance each cycle without logging in at all.
Stay Notified
Exchange Bank sends an email or push notification when a new eBill arrives and again when the payment due date approaches. You will not miss a due date because the bill goes directly where you are already managing your money — inside your Exchange Bank account.
FAQ
Exchange Bank Bill Pay — Common Questions
How long does Exchange Bank bill pay take to process?
Electronic payments to ACH-capable payees typically reach the biller within 1–2 business days. Payees that require a paper check — usually smaller companies or individuals — take 3–5 business days from the scheduled send date. Schedule payments at least 3 business days before the due date to be safe. Processing times exclude weekends and federal holidays.
What is the maximum payment I can send through Exchange Bank bill pay?
The standard single-transaction limit is $25,000. Monthly aggregate limits vary by account type. For payments above this threshold — such as mortgage payoffs, large tax payments, or business vendor payments — a domestic wire transfer may be more appropriate. Contact Exchange Bank at (800) 397-3962 for assistance with large payments.
Can I cancel a bill payment after scheduling it?
Yes. Log in to online banking, go to Bill Pay, and select Scheduled Payments. Find the payment you want to cancel and click Cancel Payment. You must cancel before midnight ET on the business day before the scheduled payment date for electronic payments. Paper check payments may require cancellation 3 business days in advance. Payments already in transit cannot be stopped.
What is the difference between an eBill and a paper bill in Exchange Bank?
An eBill is an electronic statement delivered directly into your Exchange Bank bill pay dashboard from a participating biller. The balance due, minimum payment, and due date appear automatically — you pay with one click without visiting the biller's site. With a non-eBill payee, you manually enter the payment amount each time based on your paper statement. eBill is available for major utilities, credit card companies, and national service providers.
Does Exchange Bank offer same-day bill payment?
Same-day bill payment is not available through Exchange Bank's standard bill pay service. Electronic payments take 1–2 business days. If you need same-day delivery, a domestic wire transfer submitted before the 3:00 PM ET cutoff on a business day is the fastest option. Wire transfers carry a fee; see the wire transfers page for current rates.
Digital Banking Silo
More Exchange Bank Digital Services
Online Banking
Full account access, transfers, and bill pay from any browser.
Online Banking →Mobile Banking
Pay bills and manage accounts from the iOS and Android app.
Mobile Banking →Wire Transfers
Same-day domestic wires for time-sensitive large payments.
Wire Transfers →Account Alerts
Get notified the moment a bill pay transaction posts.
Account Alerts →eStatements
Paperless statements with 7 years of history on demand.
eStatements →Login Guide
Step-by-step help signing in to access bill pay.
Login Guide →Checking Accounts
Bill pay is included free with every Exchange Bank checking account.
Checking Accounts →Exchange Bank Home
All personal and business banking services in one place.
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