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Exchange Bank and Trust Company

Electronic Banking

Giving you the tools to bank on your own terms

We provide the ultimate digital banking experience by managing your accounts anywhere with Exchange Bank e-banking. Exchange Bank e-banking provides flexibility, reliability and control to assist managing your finances.

FREE Online Banking

Our online banking service is available to you worldwide, 24 hours a day, 7 days a week.
Check balances, transfer funds, make a loan payment, pay bills and so much more!

FREE Bill Pay for Consumer Accounts

Skip the stamps and pay your bills online with FREE Bill Pay for Consumer Accounts from Exchange Bank.

FREE E-Statements

Help save the Earth... one bank statement at a time with FREE E-Statements! Do your part & live smart!

FREE Telephone Banking

Access your account with your phone at all times with our telephone banking services.

FREE ATM/Debit Card

Open an account with Exchange Bank and receive a FREE ATM/Debit Card. *Upon credit approval*

Mobile Banking


Exchange Bank's EZ Mobile Banking App FAQs


What requirements do I have to meet to use the EZ Mobile Banking App?

  • You must be enrolled in Internet Banking at Exchange Bank.
  • You must have the EZ Mobile Banking App downloaded on your smartphone.

Tell me more. What does the EZ Mobile Banking App do?

Glad you asked! The EZ Mobile Banking App is like having your bank right in the palm of your hand 24/7. You can Pay Bills, Check Balances, Transfer Funds, Make Loan Payments and Make Deposits using the new Mobile Deposit feature. Save yourself a trip to the bank by using the EZ Mobile Banking App for the iPhone, iPad, or Android.
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Do I have to have the App in order to use the Mobile Deposit feature?

Yes. The Mobile Deposit feature is built into the EZ Mobile Banking App. You will have to download the App in order to use Mobile Deposit.

Is this App and the Mobile Deposit feature safe?

Exchange Bank requires a secure login to access information on the EZ Mobile Banking App. No one is able to access your account without knowing your User ID and Password. We also enlist multiple security layers, including data encryption to protect information sent and received. In addition, the EZ Mobile Banking App never transmits or stores confidential data on customer devices and ensures that all private information sent shields personal details.

What is my User ID and Password to access the EZ Mobile Banking App?

Your login is the same as your current Exchange Bank Internet Banking credentials. If you have forgotten your User ID and Password, or do not currently have Internet Banking, please contact Customer Service at 580.336.5531or 405-742-0202.

Is everyone eligible to use the Mobile Deposit feature of the App? When can I start depositing checks?

Mobile Deposit is available to all consumer and small business account holders. It is not available to commercial accounts. Also, you cannot have any overdrafts in the past 60 days. If your account has remained in good standing then you will be able to use the Mobile Deposit feature immediately.

What types of checks are eligible for Mobile Deposit?

Any checks made payable to the account owner or joint owners. The checks must be endorsed "For Mobile Deposit Only."

What types of checks are NOT eligible for Mobile Deposit?

  • Savings Bonds
  • Foreign Checks
  • 3rd Party Checks
  • Returned or re-deposited items
  • Rebate Checks

Is there a cutoff time?

The cutoff time for submitting deposits is 4:00pm Monday - Friday (excluding Federal Holidays).

Are there any fees associated with this service?

The EZ Mobile Banking App is absolutely FREE!! Download it and begin using it immediately with no charge whatsoever!
See the fees associated with the Mobile Deposit feature below:
  • Consumer accounts: FREE
  • Small Business accounts: FREE
  • Commercial Business Accounts: Not available for Commercial Business Accounts.

Are there any limits to how many items I can deposit using Mobile Deposit?

Consumer Accounts: 5 checks per day or $2,500 per day / 10 checks per month or $5,000 per month.
Small Business Accounts: 10 checks per day or $5,000 per day / 20 checks per month or $10,000 per month.
Commercial Business Accounts: Not available for Commercial Business Accounts.

When will my deposit be available?

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal Holidays. If your deposit was accepted prior to the 4:00 pm deadline, it will be considered deposited on that business day and subject to the Funds Availability Disclosure provided during account opening.

How do I know if my deposit posted?

You will receive notification via email or text message (depending on your settings) that your deposit has been approved.

What do I do with my check after I deposit it?

It's a good idea to securely store the check for 30 days. After the 30 day period, please shred the item.

Do I need a deposit slip to make a deposit using the Mobile Deposit feature?

Nope! Our system will automatically create the deposit slip on our end.

What if I submit the same check twice in error?

You will receive an error message informing you that the deposit cannot be accepted.

If I have a check that was returned can I resubmit it on this Mobile Deposit feature?

No. If a check is returned, it cannot be redeposited via Mobile Deposit. You will have to bring that into the bank.

Do you have any suggestions for taking good photos of my checks?

Great question! Taking high quality photos of the check is the best way to make the Mobile Deposit feature quick and easy to use. Here are some useful tips to keep in mind...
  • Good lighting
  • Avoid shadows
  • Align the check within the grid on the screen
  • Focus is important- being too close can make the image super blurry
  • Make sure the check is the only thing visible in the photo. Try not to get other objects in the background.
  • Take the photo on a flat, dark surface. Avoid white backgrounds.
**Message and data rates may apply. Please check with your service provider for access rates, texting charges, and other applicable fees.


Help save the Earth... one bank statement at a time with FREE E-Statements from Exchange Bank! Now you can receive your monthly or quarterly statement via email. It's fast, convenient, safe, and best of all it's FREE! Do your part and live smart!
  • Receive your statement anytime or anywhere.
  • Get your statement via email and avoid getting another piece of mail.
  • Store your statements on your computer for instant access.
  • Print what you need, when you need it.
  • Files are sent to you password protected for security.
  • Your statement cannot be lost or tampered with in the mail.
  • Eliminate post office delivery time.

To Enroll

  • Visit and sign into your Online Banking account with your secure User ID and password
  • Select the E-Statement tab under "Options"
  • Place a check mark beside each checking or savings account that you would like to enable for E-Statement
  • Carefully read the disclosure, and if you agree select "I Agree" to continue the enrollment process
  • You will receive a confirmation email. In order to begin receiving your statement(s) electronically, you must respond to the confirmation email.
  • Statements will not be delivered until you respond to the directions contained in the confirmation email.
By enrolling in E-Statement, you agree to no longer receive your bank statement(s) through U.S. Mail. You can also continue to view and print your images on your Internet Banking as well.
Need Enrollment Assistance? Enrolled in Error?
Please contact us:
Customer Service
580-336-5531 or 405-742-0202


Exchange Bank has an automated telephone banking service that gives you immediate access to all of your accounts. Simply call 1- (888)-653-1372 and enter your personal identification passcode. If you are not currently enrolled please contact a Customer Service Representative at 580-336-5531 or 405-742-0202 for more information. Call for your balance, make a transfer, pay on your loans and check on your CD/IRAs!
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Credit Cards

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Personal Loans

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