Business Banking

Online Services

Exchange Bank offers a wide variety of online services to our Business Banking customers. As you can see from the list below we work very hard to provide all of the services that you need to make your banking experience quick and easy. At Exchange Bank we understand the hectic pace of life and we do our best to provide you with services that make it easier to manage all of your accounts at Exchange Bank. *To sign up for any of these services, click the enrollment link below or talk to a Personal Banker at any of your local Exchange Bank Branches.

*Cash Management, Wire Transfers, ACH Origination, and Merchant Capture require individual respective contracts for access. Fees and Limitations may apply as set forth in the contract and per the Fee Schedule.

Online Banking

Exchange Bank is happy to offer our customers free access to all their accounts 24 hours a day, seven days a week. With our full featured Internet Banking program you can securely manage your bank accounts, loans, and investments from the security and privacy of your own home. At Exchange Bank, we understand the need for a quick and convenient way for our busy customers to manage their finances, which is why we offer Online Banking and Bill Pay services to our customers for no charge.

  • Enrollment Information
  • Check Account Balances
  • View Cleared Check Images
  • Transfer Funds between your Exchange Bank Accounts
  • Make Loan Payments
  • Print and View your Full Account Statements with *E-Statements (Images Included)
  • Bill Pay
  • Export Account History in a variety of formats to your Personal Financial Software
  • Secure Internal Email
  • Setup Account Alerts – Great for monitoring your account for unusual activity.
  • Setup Reminders
  • Need Help Logging In? Click Here.

Requires Access to Online Banking, statements are delivered securely within the browser.

Online Cash Management

*Online Banking with Cash Management services makes managing your business accounts and transactions easier than ever. No matter the size of your business you can provide enterprise level management of your finances. Cash Management Services includes a variety of features listed below.

  • **ACH Origination
  • ACH 4.0 Release Notes – Premier Lites
  • ACH-User-Business Online – Outsourcing
  • **Merchant Capture
  • Multi-User Platform with Enhanced security and controls.
  • Internal Fund Transfers
  • **Wire Transfers
  • Multi-Factor Authentication & One-Time Password Token
  • Account Balance & Activity Information
  • Customized Display & Group Management to enable full control of sub-users
  • Customize Account Display Names

*Fees and Limitations May Apply.

**Cash Management, Wire Transfers, ACH Origination, and Merchant Capture require individual respective contracts for access. Fees and Limitations may apply as set forth in the contract and per the Fee Schedule.

1Additional account related fees or service charges may be assessed based on how you use the account, ask for more details.
2Federal transaction limitations will apply, ask for more details.

Merchant Capture

*Merchant Capture is like being connected to your bank 24 hours a day, 7 days a week. Desktop scanners create a digital image of the checks you want to deposit and images are transmitted to Exchange Bank Securely. Merchant Capture is a great way to safely and securely get your deposits to the bank without the hassle of leaving your desk. Merchant Capture can be a great for customers 100 feet or 1000 miles from a branch banking location.

  • **Application and Approval Required
  • Make deposits directly to the bank from the comfort of your office
  • Convenience
  • Minimize labor and travel costs
  • Reduce the risk of carrying deposits to the bank, or the expense of hiring a delivery service

*Fees and Limitations May Apply.

**Cash Management, Wire Transfers, ACH Origination, and Merchant Capture require individual respective contracts for access. Fees and Limitations may apply as set forth in the contract and per the Fee Schedule.

1Additional account related fees or service charges may be assessed based on how you use the account, ask for more details.
2Federal transaction limitations will apply, ask for more details.
3A penalty may be imposed for early withdrawal of the Certificate of Deposits. Interested is compounded quarterly on terms of 12 months or longer. Fees may reduce the earnings on the account.

Merchant Processing

At Exchange Bank, we distinguish ourselves by providing payment processing knowledge and tailored solutions that assist our clients in achieving key business objectives, including increasing your sales. With our years of experience, the goal of our Merchant Services team remains the same: to provide you with the most efficient payment processing program while helping you reduce operating costs, improve cash flow, and minimize your exposure to fraud and risk. Our representatives are knowledgeable and ready to help our current and prospective Merchant Services Clients. For more information please contact your local Exchange Bank branch.

Fees and Limitations may apply, Application Required

Merchant Solutions

Our Merchant Services Solutions offer:

  • Increased payment acceptance opportunities
  • Fast Transaction and Settlement Approvals
  • EMV (Smart Chip) and Mobile Wallet payment acceptance solutions, such as Google Wallet and Apple Pay
  • Free online reporting to access daily activity and deposits, as well as monthly summary statements
  • State of the art processing methods and technology, including mobile processing solutions and tablet-based POS systems
  • Proactive PCI Compliance program to ensure our merchants are protected

Fees and Limitations may apply, Application Required

We have access to direct wholesale pricing with Visa, MasterCard, and Discover. We would love the opportunity to complete a FREE savings analysis for your business to show you the benefits and features of a Merchant Services program with Exchange Bank. Simply contact your Local Exchange Bank Branch for more details.