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Exchange Bank and Trust Company

Cash Management Services

Exchange Bank is committed to providing you and your business the tools you will need to manage your money effectively! Please find a list of our Cash Management Services provided below...


ACH transactions allow you to credit or debit employee, vendor or customer accounts directly without cutting checks. It will save your company both time and money! 

Exchange Bank has installed the latest in ACH technology. This allows us to create automatic credits on your behalf for posting to any customer's bank account in the U.S. Because of the volume of transactions moving through ACH, the individual cost is minimal. You can extract pay information directly from your computer onto a secure website. We will generate the transactions on your behalf.
Contact our ACH Specialist to schedule a meeting today! We will be happy to discuss your specific needs.



Skip the stamps and pay your bills online!

SMALL BUSINESS ACCOUNTS: 10 FREE Bill Payments per month and $0.50 per item thereafter.


BUSINESS ACCOUNTS: $6 monthly fee, 10 FREE Bill Payments per month and $0.50 per item thereafter.




Merchant Capture is a remote deposit product that uses a desktop scanner connected to your PC and Internet to scan checks received from customers. With Merchant Capture, you don’t need to make a trip to the bank to turn deposits into cash.

Benefits of Merchant Capture
Merchant Capture is cost-effective, easy to use and offers the following benefits:

  • Streamline your check deposit process and better manage your receivables
  • Added convenience with the ability to make deposits outside of normal banking hours
  • Save time preparing deposits
  • Reduce costs spent on courier fees or trips to the bank
  • Deposit funds from multiple offices into one bank
  • Ability to deposit checks for large dollar amounts
  • Works well with or without popular accounting software


A Wire Transfer is an electronic transfer of money that goes from one bank to another using a secure network!