Exchange Bank Mobile Banking — iOS & Android App
The Exchange Bank mobile banking app puts full account control in your pocket. Check balances, deposit checks by photo, pay bills, send money with Zelle, and get real-time fraud alerts — all with biometric login protecting every session.
Exchange Bank offers a free mobile banking app for iPhone (iOS 15+) and Android (Android 10+). Core features include mobile check deposit up to $5,000 per day, Zelle person-to-person transfers, bill payment scheduling, account alerts, eStatement access, and domestic wire submission. Biometric login via Face ID or Touch ID is available on supported devices. Download by searching "Exchange Bank" in the App Store or Google Play. Support: (800) 397-3962, Monday–Friday 8 AM – 6 PM ET.
Feature Comparison
Mobile App vs. Online Banking — Side-by-Side
Both platforms share the same account data in real time. Here is what each offers.
| Feature | Mobile App (iOS/Android) | Online Banking (Browser) |
|---|---|---|
| Account Balances & History | Yes — real-time | Yes — real-time |
| Internal Transfers | Yes | Yes |
| External Account Transfers | Yes | Yes |
| Bill Pay | Yes | Yes |
| Zelle Transfers | Yes | Yes |
| Mobile Check Deposit | Yes — up to $5,000/day | Not available |
| Biometric Login (Face ID / Touch ID) | Yes — on supported devices | Not available |
| eStatements | Yes — view and download | Yes — view and download |
| Account Alerts | Yes — push, SMS, email | Yes — SMS, email |
| Domestic Wire Transfers | Yes | Yes |
| Stop Payment Requests | Yes | Yes |
| Secure Messaging | Yes — in-app chat | Yes — secure message center |
| Card Controls (lock/unlock) | Yes | Limited |
App Features
What You Can Do with the Exchange Bank Mobile Banking App
From depositing a check at midnight to locking your debit card from across town — the app handles it.
Mobile Check Deposit
Take a photo of the front and back of a check to deposit it from anywhere. Deposits up to $5,000 per day are available. Funds typically post the next business day. Endorse the check "For Mobile Deposit Only — Exchange Bank" before photographing.
Biometric Login
Enable Face ID on iPhone or fingerprint login on Android devices to sign in without typing a password. Biometric data never leaves your device — Exchange Bank receives only a cryptographic confirmation. Your full password remains required for password changes and wire submissions.
Real-Time Alerts
Push notifications arrive on your phone the moment a transaction posts, a balance drops below your threshold, or someone logs in to your account. Set up custom alert rules under Account Alerts in the app. No delay, no batch processing — alerts fire in seconds.
Zelle Integration
Send or request money from friends and family using just an email address or U.S. mobile number. Zelle payments through the Exchange Bank app arrive within minutes when both parties are enrolled. There is no fee to use Zelle through Exchange Bank.
Card Controls
Lost your debit card? Lock it instantly from the app to prevent unauthorized use. Unlock it just as fast when you find it. You can also set spending limits, restrict international use, and receive a real-time notification every time your card is used.
Bill Pay & Transfers
Schedule payments to any U.S. payee and move money between accounts without opening a laptop. The app shares the same payee list as your online banking account — changes sync instantly across both platforms.
Mobile Deposit
How to Deposit a Check with the Exchange Bank App
Three steps stand between you and a deposited check — no branch visit needed.
Endorse the Check
Sign the back of the check and write "For Mobile Deposit Only — Exchange Bank" beneath your signature. This endorsement is required — deposits without it may be returned.
Photograph Front and Back
Open the app, tap Deposit, select your account, and enter the amount. Follow the on-screen guides to photograph the front and back of the check in good lighting. The app confirms image quality before submission.
Confirm and Keep the Check
Review the details and tap Submit. You will receive a confirmation notification immediately. Keep the physical check for 14 days until the deposit clears, then destroy it securely.
FAQ
Exchange Bank Mobile Banking — Common Questions
How do I download the Exchange Bank mobile banking app?
Search "Exchange Bank" in the Apple App Store or Google Play Store. The app is free to download. Log in with your existing online banking username and password. First-time users must complete enrollment at exchangebank.co.com/login.html before using the app.
What are the mobile deposit limits for Exchange Bank?
Standard Exchange Bank accounts have a mobile deposit limit of $5,000 per business day and $10,000 per rolling 30-day period. Premium accounts may qualify for higher limits. New accounts open for fewer than 90 days may have lower limits. Funds are typically available the next business day; holds may apply based on check amount and account history.
Which devices are supported by the Exchange Bank mobile app?
Exchange Bank mobile banking supports iPhone and iPad running iOS 15 or later, and Android smartphones and tablets running Android 10 or later. Older operating system versions are not officially supported. Update your device's OS for security and full app functionality. Jailbroken or rooted devices may be blocked for security reasons.
How do I enable Face ID or Touch ID for Exchange Bank?
After logging in to the Exchange Bank app, go to Settings, then Security, and toggle on Face ID or Touch ID. You will be prompted to confirm your password once to authorize biometric login. Biometric login can be disabled at any time from the same Settings menu. Your biometric data is stored only on your device, not on Exchange Bank servers.
What is the difference between the Exchange Bank app and browser banking?
The Exchange Bank app adds mobile check deposit, biometric login, push notifications, and card lock/unlock controls that are not available in the browser. The browser-based online banking platform may display more detailed reporting on large screens. Both access the same real-time account data and share the same payee list, alert settings, and transaction history. Most customers use both — the app for quick daily tasks, the browser for detailed review.
Digital Banking Silo
More Exchange Bank Digital Services
Online Banking
Full browser-based account access with bill pay, transfers, and statements.
Online Banking →Bill Pay
Schedule one-time and recurring payments to any U.S. payee.
Bill Pay →Account Alerts
Custom real-time notifications by push, SMS, or email.
Account Alerts →eStatements
Paperless monthly statements with 7 years of searchable history.
eStatements →Wire Transfers
Domestic and international wires submitted securely through the app or online banking.
Wire Transfers →Login Guide
Step-by-step sign-in help, MFA, and locked account recovery.
Login Guide →Security
How Exchange Bank protects your account on mobile and desktop.
Security →Exchange Bank Home
All personal and business banking services in one place.
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