Online Bill Pay

Frequently Asked Questions

After how many invalid logon attempts will I be locked out of Internet Banking?
Can I use Internet Banking if I only have a CD, Loan, or Savings Account?
How can I add or delete an account from Internet Banking?
How can I reset my Internet Banking Account (not Online Bill Pay)?
How can you guarantee the security of my banking information?
How do I know if my browser has 128-bit encryption?
What do I need to gain access to Internet Banking?
What does Internet Banking cost?
What happens if I lose or forget my ID or PIN?
What services are offered through Internet Banking?
Are there excessive withdrawal limits when transferring from my Money Market or Savings Accounts?
Between what accounts can I transfer?
How late can I make a transfer and still have it post to my account that night?
Will Internet Banking be available to me all the time?
Who can have Internet Banking?
 

After how many invalid logon attempts will I be locked out of Internet Banking?

Three invalid logon attempts will lock you out of Internet Banking. Customers should contact Data Processing (580) 336-5531 Monday - Friday from 8:30 A.M. 03:00 P.M.

Can I use Internet Banking if I only have a CD, Loan, or Savings Account?

Yes. If you have any Exchange Bank CD, Loan, Savings, or Checking product, you can get Internet Banking for FREE. You must have a checking account to have Online Bill Pay.

How can I add or delete an account from Internet Banking?

The change can be made through any employee at any Exchange Bank location.

How can I reset my Internet Banking Account (not Online Bill Pay)?

You can call Data Processing at (580) 336-5531 Monday - Friday from 08:00 A.M. - 03:00 P.M.

How can you guarantee the security of my banking information?

First, we use 128-bit encryption, the highest form of encryption currently available, to secure your Internet Banking sessions. Whenever you see the padlock symbol in your browser, you know this security feature is active. Other security tools are in place to ensure the integrity of your data, including firewalls and filtering routers that secure computers from Internet access and a "trusted" operating system, which protects information from both internal and external threats.

For additional security, customers select their own Personal Identification Number. PIN guessing is deterred by locking the ID out of the system following three unsuccessful logon attempts. These are just a few of the many security tools we use. These layers of security work together to make sure that all information transmitted between you and Exchange Bank is both secure and authentic.

How do I know if my browser has 128-bit encryption?

By clicking on the Test Browser button on our home page of internet banking.

What do I need to gain access to Internet Banking?

User ID, PIN, and Internet access. The Internet access could be at home or work. The browser must have 128-bit encryption. Using Internet access from some company locations may not work because of the security that company has implemented for outside Internet browsing.

What does Internet Banking cost?

Internet Banking is free to all customers. Online Bill Pay has two plans available to meet your needs: $7.99 per month with unlimited transactions or $3.50 per month and $.35 per transaction.

What happens if I lose or forget my ID or PIN?

If you lose/forget your ID or PIN, call Data Processing at from 8:00 A.M. - 3:00 P.M.

What services are offered through Internet Banking?

 

  • Unlimited in the number and types of accounts you can access.
  • Transfer funds electronically between all checking and savings accounts owned by you at Exchange Bank (regulatory limitations may apply).
  • View balance and history information on all accounts owned by you at Exchange Bank (once they are enrolled).
  • Statement information on all deposit accounts.
  • Check Image statement retrieval with front and back images on all listed checks.
  • Download transactions from any deposit accounts to industry standard money management software.
  • Online Bill Pay Option - access the designated checking account to pay most bills

Are there excessive withdrawal limits when transferring from my Money Market or Savings Accounts?

Due to Federal Regulations the customer may not make more that six transfers or withdrawals per month or statement period, no more than three of which can be payable to third parties, when these transfers are made by means of a pre-authorized or automatic transfer, or telephonic agreement, order or instruction, including Internet Banking. Any of the three third party transfers count toward the six monthly transfers.

Between what accounts can I transfer?

You may transfer between all your designated deposit accounts at Exchange Bank. Some accounts may be excluded from transfer capability due to regulatory requirements, bank policy, or loan agreement between the customer and Exchange Bank.

How late can I make a transfer and still have it post to my account that night?

A transfer can be made up to 3:00 P.M. CST time during any business day for that transaction to post that night. This includes all transfers between deposit accounts and loans. A transfer made after 3:00 P.M. will "memo post", but will not actually appear until the next business day.

Will Internet Banking be available to me all the time?

It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties.

Who can have Internet Banking?

Any customer can use Internet Banking and Online Bill Pay. Call (580) 336-5531 for more information.

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