Exchange Bank — Banking Built for Real Life
Exchange Bank delivers personal and business banking products designed to keep your money working harder. From no-fee checking to competitive mortgage rates, every account is backed by FDIC insurance and supported by people who know your name.
Whether you need everyday checking, a savings plan, a small business loan, or seamless digital banking, Exchange Bank has the tools and the team to make it straightforward.
Exchange Bank is an FDIC-insured community bank offering a full range of personal and business financial services, including checking, savings, money market accounts, CDs, mortgage and auto loans, SBA lending, treasury management, and 24/7 digital banking through its online and mobile platforms. Customer service is available at (800) 397-3962, Monday–Friday 8 AM – 6 PM ET.
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What Can We Help You With?
Jump directly to the banking service you need — accounts, loans, digital tools, or support.
Checking & Savings
Everyday accounts with no hidden fees, ATM access, and FDIC protection on every dollar.
Explore Accounts →Loans & Mortgages
Competitive rates on home loans, auto loans, and personal financing with local decision-making.
See Loan Options →Business Banking
Business checking, treasury management, SBA loans, and merchant services for every stage.
Business Solutions →Online Banking Login
Sign in to manage accounts, pay bills, send wires, and monitor transactions anytime.
Sign In →Why Exchange Bank
Banking That Fits the Way You Live
Three pillars set Exchange Bank apart: personal service, full-spectrum products, and digital tools that actually work.
Accounts Built Around Your Financial Goals
Exchange Bank personal banking starts with the basics and grows with you. Free checking with no minimum balance requirements means your account works without penalties for everyday life. High-yield savings and money market accounts let idle cash earn more, while CDs provide locked-in returns for medium-term goals.
Every personal account includes free online and mobile banking, mobile check deposit, and Zelle person-to-person payments. Exchange Bank debit cards are accepted nationwide and carry zero liability for unauthorized transactions.
- Free checking with no monthly maintenance fee
- Competitive APY on savings and money market accounts
- CDs from 3-month to 5-year terms
- Personal loans up to $50,000 with same-day approval decisions
- Mortgage and refinance products with local underwriting
Tools That Help Your Business Grow
Exchange Bank business banking covers the full financial lifecycle — from opening a business checking account to securing an SBA 7(a) loan for expansion. Business owners get dedicated relationship managers, streamlined commercial lending, and treasury management tools that make cash flow visible and controllable.
Merchant services through Exchange Bank include point-of-sale integrations, next-day funding, and detailed sales reporting. Commercial real estate lending supports property purchases, refinancing, and construction projects with local decision-making that moves at the speed of business.
- Business checking with unlimited transactions
- SBA 7(a) and 504 loan programs
- Commercial real estate and construction lending
- Payroll integration and ACH origination
- Dedicated business relationship manager
Full Banking Access from Any Device
Exchange Bank online banking gives account holders complete control without leaving home. Log in to view balances, review transactions, schedule transfers, and pay bills — all through a browser or the Exchange Bank mobile app. The app carries a 4.8-star rating across iOS and Android, driven by its clean design and reliable performance.
Security features match what large national banks deploy: 256-bit SSL encryption, multi-factor authentication, biometric login, and real-time fraud alerts. Account alerts let you set custom triggers — low balance warnings, large purchase notifications, or login activity — delivered by text or push notification.
- Mobile check deposit up to $5,000 per day
- Real-time account alerts and fraud notifications
- Zelle integration for instant person-to-person transfers
- Domestic and international wire transfer submission
- eStatements with up to 7 years of history
What Customers Say
Trusted by Thousands of Account Holders
"Switching to Exchange Bank was the best financial decision I made this year. The free checking has no gotchas, the mobile app is fast, and when I had a question the team picked up immediately."
"Exchange Bank approved my SBA loan in under two weeks. My relationship manager walked me through every step. No runaround, no bureaucratic delay — just straight answers and fast execution."
"I've used big banks and regional banks. Exchange Bank is different — you can tell they actually care about the community. The mortgage rate was competitive and the closing was smooth."
Ready to Bank with Exchange Bank?
Open a checking or savings account in minutes — or speak with a banker about loans and business services. FDIC insured. No hidden fees. Real people answering real questions.
FAQ
Exchange Bank — Common Questions Answered
Everything you need to know before opening an account or logging in for the first time.
What is Exchange Bank?
Exchange Bank is a community-focused financial institution offering personal banking, business banking, and digital banking services. All eligible deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category — providing protection and peace of mind for every account holder.
How do I log in to Exchange Bank online banking?
Go to the Exchange Bank login page, enter your username and password, and complete the two-factor authentication step if prompted. First-time users need to enroll through the bank using their account number and the email address on file. See the full step-by-step guide at exchange bank login.
Is Exchange Bank FDIC insured?
Yes. Exchange Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Checking accounts, savings accounts, money market accounts, and CDs are all covered up to $250,000 per depositor per ownership category. For official FDIC information, visit fdic.gov.
What checking account options does Exchange Bank offer?
Exchange Bank offers free checking with no monthly fee and no minimum balance, interest-bearing checking for balances above $1,500, and premium rewards checking with cashback debit card benefits. All tiers include free online banking, mobile check deposit, and Zelle access. See full details on the checking accounts page.
Can I open an Exchange Bank business account online?
Yes. Sole proprietors, LLCs, and most small corporations can begin the business checking or savings account application online. You will need your EIN, formation documents, and a government-issued ID. Some business types — such as trusts or nonprofits — may require an in-branch visit to complete verification. Start at the business checking page.
Does Exchange Bank offer mobile banking?
Exchange Bank mobile banking is available on iOS and Android. Features include mobile check deposit up to $5,000 per day, real-time balance alerts, Zelle peer-to-peer transfers, bill payment scheduling, and biometric login. The app uses the same 256-bit encryption as the desktop platform. Learn more on the mobile banking page.
How do I contact Exchange Bank customer service?
Reach Exchange Bank customer service at (800) 397-3962, available Monday through Friday, 8 AM – 6 PM ET. You can also send a secure message through online banking, use the live chat feature in the mobile app, or visit your nearest branch. Full contact details are on the contact us page.