Personal Services

Digital Banking

Banking on the go, wherever you are.

Online Banking – where the digital experience begins

  • Manage all your accounts – checking, savings and loans
  • Secure – state of the art security is our top priority
  • No software to install
  • Re-order checks
  • Stop payments
  • Change address, phone, email
  • Apply online

Get started today. It’s easy. Apply online.


Your account statements – without the slow delivery.  Avoid delays and cut down on paper by signing up for eStatements. Just log in to your online banking, select the account, choose the Statement link and opt in for Electronic Statement Delivery.  Sign up today!

Mobile Banking with Mobile Check Deposit

Banking, wherever you are.  Download from the app store on your digital device.

  • All the time banking on your mobile phone with our EXB app
  • Use same online banking user id and password
  • Transfer money
  • Pay bills
  • Check balances

Find out more about mobile banking safety.

Mobile Check Deposit

Deposit checks from anywhere with your smartphone.

  1. Endorse the check with FOR MOBILE DEPOSIT ONLY and include the account number
  2. Open and sign in to the EXB mobile app
  3. Choose “More” at bottom right
  4. Select “Check Deposits”
  5. Follow the instructions

Deposits made before 3:30 pm CST will typically be available same business day, after 3:30 pm CST will typically be available next business day


Through your digital banking, (online and mobile) schedule and send payments to anyone (in the United States) – your utility company, your credit card company, etc.  There are also same day and overnight payment options.  See your payment history all in one place.  Easy, time-saving and secure.


Be notified of events on your accounts – large transactions, balance notifications, and more.  Settings are on individual accounts and can be turned on or off with just a click in online banking.

Digital Wallet Contactless indicator

Securely shop from your device. Digital versions of your EXB debit card will be stored in a digital wallet app on your mobile device.

  • Add your EXB debit card to the wallet on your device
  • Use your device to pay at participating merchants
  • Multiple layers of security to protect payment information and privacy – to help protect your security, your card number and personal information are not stored.

Click here for information and instructions from our supported devices: Apple Pay, Samsung Pay, Google Pay, FitBit Pay, Garmin Pay

Credit Card Management

The power to manage your Exchange Bank Visa or MasterCard is in the palm of your hand.  Find out more about our Card Management app here.

Debit Cards

Debit Cards are a great way to access your checking account.  If you ever have issues with your debit card, below are the numbers to call:

Overdraft Protection

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.  Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.  Account holder must opt-in for Extended Coverage.  Account holder must meet eligibility requirements.  Please contact Deposit Operations for details and other important information.

You must bring your account balance positive within 32 days.

Find out more about overdrafts and see authorization form here.

Coin Machine

Tired of counting coins?  Come use our coin machine to count for you.  Available at the Gadsden, Rainbow City and Altoona offices.

24 Hour Depository

Reduce liability. Convenient, after hours depository service is available at all bank locations.

Exchange Info-Line

Our automated telephone banking system can be accessed from any touchtone telephone by simply dialing 570-0999 or 589-6323 (Altoona – Walnut Grove area). Available 24 hours a day/7 days a week.  Download our Info-Line Quick Guide in PDF format.

Bank by Mail

Deposit by mailing through the postal service. Postage paid envelopes provided as requested.


Check your balance, withdraw cash and more at EXB ATM machines – located at each of our 5 offices.  Deposits may be made at the Rainbow City ATM.