Exchange Bank Online Banking — Secure Account Access, Anytime
Manage every aspect of your Exchange Bank account from any browser. Check balances, pay bills, move money, review statements, and set custom alerts — all protected by 256-bit encryption and multi-factor authentication.
Exchange Bank online banking is available 24 hours a day, 7 days a week through any current web browser. Account holders can view real-time balances across all linked accounts, schedule bill payments, transfer funds, set up account alerts, enroll in eStatements, and initiate domestic wire transfers — all without visiting a branch. New users enroll using their account number and the email on file. Customer support is available at (800) 397-3962, Monday–Friday 8 AM – 6 PM ET.
What's Included
Everything You Can Do with Exchange Bank Online Banking
One login connects you to the complete picture of your finances — no branch visit required.
Account Dashboard
See balances and recent transactions for all your Exchange Bank accounts in one view. Filter by date, amount, or transaction type.
Fund Transfers
Move money between your Exchange Bank accounts instantly, or schedule future-dated and recurring transfers. Link external accounts for cross-bank moves.
Bill Pay
Add unlimited payees, schedule one-time or recurring payments, and receive eBills directly in online banking. Most payments settle in 1–3 business days.
eStatements
Access up to 7 years of PDF statements on demand. Enroll in paperless delivery and receive an email notification the moment your statement is ready.
Account Alerts
Set custom triggers for low balances, large transactions, login events, and payment due dates. Alerts deliver by email, SMS, or push notification.
Security Center
Update contact information, manage trusted devices, view login history, and enable or disable two-factor authentication — all from within your online banking session.
Wire Transfers
Submit domestic wire transfers through online banking for same-day processing when entered before the 3:00 PM ET cutoff. International wires available with additional verification.
Zelle Transfers
Send money to friends and family using just an email address or phone number. Zelle payments through Exchange Bank online banking typically arrive within minutes.
Feature Reference
Exchange Bank Online Banking Features at a Glance
Every feature available through the Exchange Bank online banking platform, with description and availability details.
| Feature | Description | Availability |
|---|---|---|
| Account Dashboard | Real-time balances and transaction history for all linked accounts | 24/7 |
| Internal Transfers | Instant moves between your own Exchange Bank accounts | 24/7, immediate posting |
| External Account Transfers | Transfers to/from verified external bank accounts via ACH | 24/7 scheduling; 1–3 business day delivery |
| Bill Pay | One-time or recurring payments to any U.S. payee | 24/7 scheduling; 1–3 business day processing |
| eBills | Receive electronic billing statements from participating billers | Available for supported payees |
| Domestic Wire Transfers | Bank-to-bank wire transfers within the United States | Same-day if submitted before 3:00 PM ET on business days |
| Zelle Transfers | Person-to-person payments by email or phone number | 24/7; typically within minutes |
| eStatements | PDF monthly statements with up to 7 years of history | Available immediately upon enrollment |
| Account Alerts | Custom notifications for balance, transaction, and login events | Configurable; near real-time delivery |
| Stop Payment Requests | Place stop payments on checks through online banking | Business hours; $30 fee per item |
| Secure Messaging | Send encrypted messages to Exchange Bank customer service | 24/7 submission; response within 1 business day |
| External Account Linking | Verify and link accounts at other financial institutions | Verification takes 1–3 business days |
Security
How Exchange Bank Protects Your Online Banking Session
Security is not a checkbox — it is built into every layer of the platform.
256-Bit SSL Encryption
Every data exchange between your browser and Exchange Bank servers is encrypted with AES-256, the same standard used by government and financial institutions. Your credentials and account data never travel in plain text.
Multi-Factor Authentication
Beyond your password, Exchange Bank online banking requires a one-time verification code sent to your registered phone or email. You can register trusted devices to reduce friction on future logins while maintaining security.
Session Timeout & Login Monitoring
Sessions expire after 10 minutes of inactivity. You can review your login history at any time through the Security Center and receive an instant alert whenever your account is accessed from a new device or location.
Exchange Bank accounts are FDIC insured up to $250,000 per depositor. For information on deposit insurance coverage, visit fdic.gov.
Getting Started
How to Enroll in Exchange Bank Online Banking
First-time enrollment takes about five minutes. Existing customers can be up and running the same day.
Gather Your Information
Have your Exchange Bank account number, Social Security number, and the email address associated with your account ready. You will use these to verify your identity during enrollment.
Visit the Login Page
Go to exchangebank.co.com/login.html and click "Enroll Now." Follow the prompts to verify your identity, create a username, and set a strong password.
Set Up Two-Factor Authentication
Choose your preferred second-factor method — SMS code, email code, or an authenticator app. Register your most-used device as trusted to streamline future logins.
Need help? Call us at (800) 397-3962 or visit the Help Centre. For mobile banking, see the Exchange Bank mobile banking guide.
FAQ
Exchange Bank Online Banking — Common Questions
Answers to the questions customers ask most about managing accounts online.
Which browsers does Exchange Bank online banking support?
Exchange Bank online banking supports the current and prior major versions of Chrome, Firefox, Safari, and Microsoft Edge. Internet Explorer is not supported. Keep your browser updated for the best security and performance. Enable JavaScript and cookies for full functionality.
How long before my Exchange Bank session times out?
Online banking sessions time out after 10 minutes of inactivity. A warning prompt appears at the 9-minute mark. Click "Stay Logged In" to extend the session without re-entering your credentials. Always log out manually on shared or public devices.
Can I link external bank accounts to Exchange Bank online banking?
Yes. Navigate to Transfers, then External Accounts, and enter the routing and account number for the external bank. Exchange Bank will send two small micro-deposits within 1–3 business days. Once you confirm those amounts, the account is verified and ready for transfers. Daily transfer limits apply.
How do I pay bills through Exchange Bank online banking?
Go to Bill Pay in online banking and add a payee using their name and address or account number. Schedule a one-time payment or set up automatic recurring payments. Most electronic payees receive payment in 1–2 business days; paper checks take up to 5 business days. See full details on the bill pay page.
How do I view my statements in Exchange Bank online banking?
Log in and navigate to Accounts, then Statements. Select the account and date range to view or download PDF statements. Exchange Bank retains up to 7 years of statement history in online banking. To stop receiving paper statements, enroll in eStatements through the same menu.
Digital Banking Silo
Explore More Exchange Bank Digital Services
Mobile Banking
Full-featured iOS and Android app with mobile deposit, Zelle, and biometric login.
Mobile Banking →Bill Pay
Schedule and automate payments to any U.S. payee from within online banking.
Bill Pay →Wire Transfers
Domestic and international wire transfers initiated securely online.
Wire Transfers →Account Alerts
Real-time notifications for balance changes, transactions, and login activity.
Account Alerts →eStatements
Go paperless and access up to 7 years of statements anytime.
eStatements →Login Guide
Step-by-step sign-in help, MFA setup, and locked account recovery.
Login Guide →Security Center
How Exchange Bank protects your account data online and in-app.
Security →Exchange Bank Home
Personal banking, business banking, loans, and more — all in one place.
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