Exchange OnLine: First Time Login

Exchange OnLine and the NEBAT mobile app received a major upgrade! Use your existing username and password to login. Then, follow the prompts to access your online banking account and set up a new password. 

For links directly to the app stores, FAQs and support contact information, please visit our Online Banking Upgrade news blog.

Holiday Closing - Independence Day

Our offices will be closed on Friday, July 4, for Independence Day. Note: ACH, wires and mobile deposits do not get transmitted on federal holidays. 

Holiday Closing Schedule and Notice

Be Aware of Text Scams

We have been informed of an increase in text scams, falsely claiming to be from "Kroger." These messages appear as purchase alerts, suggesting that your card has been used to make a payment at Kroger. Please remember: Do not click on any links in these messages. Do not send any payments or personal information. Do not call the number provided in the text message. If you receive this message, delete it immediately. Stay safe and vigilant!

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CheckCard

Conveniently pay for everyday purchases with your Visa® CheckCard from National Exchange Bank & Trust. Earn rewards, get cash or check your balance at one of thousands of ATMs nationwide.

Visit an Instant Issue Location Today!

man holding a NEBAT checkcard in front of him and giving a thumbs up

Visa® CheckCard Mobile Fraud Prevention ScoreCard® Rewards ATM Cards Lost or Stolen Cards FAQs

Visa® CheckCard with rewards

  • This card allows you to use your checking account to pay for items without writing a check.
  • Looks like a credit card but deducts the amount from your checking account.

Tap to Pay with Your NEBAT Card

Why use the CheckCard?

  • Save on check printing costs by writing fewer checks.
  • Increase your checking account range. It’s accepted worldwide, everywhere a Visa® card is accepted.
  • It’s easy to carry. The CheckCard is small, the size of a credit card, and can easily slip into a purse, wallet or pocket.
  • Earn points with qualifying purchases that lead to great rewards.
  • Use your CheckCard as an ATM card also.

ScoreCard® Rewards

Quickly swipe your Visa CheckCard and sign for your purchase, instead of writing out a check or using your PIN, to earn points towards rewards. Redeem points for rewards such as gift cards, brand-name merchandise, travel and more.
Everyday purchases such as groceries, dining out and filling up your gas tank can accumulate points when using your CheckCard and signing for the purchase.

Card Rewards


Travel Rewards

Use your ScoreCard Rewards points to purchase airline tickets and other great rewards!

ATM Cards

Adding this card to your checking account allows you to withdraw cash, transfer funds, make deposits, check account balances, make purchases and more. Visit one of our convenient ATM locations today, or withdraw from one of the thousands of locations that display the PULSE PAY logo.

Find a Surcharge-Free ATM

NEBAT is now a part of the MoneyPass® ATM Network giving you access to more than 34,000 surcharge-free ATMs from coast to coast!

Money Pass ATM Network 

MoneyPass logo

Compromised, Lost or Stolen Cards

To report a compromised, lost or stolen card during normal business hours:

To report a compromised, lost or stolen card after normal business hours:

Compromised Device 

Have you experienced fraud on a device recently? See our Device Compromise handout for guidance on the next steps to take. 
Replace Your Card at an Instant Issue Location

Some National Exchange Bank & Trust locations are able to replace your CheckCard in the office with our Instant Issue card printers. To find a location near you, just look for the Instant Issue icon in our list of locations.

Visa CardLocations

Visa® CheckCard FAQs

Why isn't my Visa® CheckCard working?

There are a number of potential reasons why the transaction you are attempting is not being authorized. Some of them may include:

  • Transaction restrictions established or the card fully blocked through Manage Cards in online banking. Go to the Card Management area inside Exchange OnLine to review your current card settings.
  • After twelve months without being used, your Visa CheckCard becomes inactive.
  • You may have accumulated more than three PIN or transaction failures. Please contact us to verify and reset.
  • You may be over your card's transaction limits for the day.
  • The business accepting your card over the phone may not be inputting the security code or expiration date accurately.
  • Funds in your account may not be available at this time.
  • Your account may be overdrawn, or you may be at your maximum overdraft limit.
  • If your card is not working as you expect, please contact us so we may investigate.

What if I cannot read the three digit security number on the back of my card?

National Exchange Bank & Trust does not know or have access to your CVC number. If you would like to write it down, please keep it in a safe place and do not include your card number with it. If you do not know your CVC and cannot read it, you will need to order a replacement card from your local office to complete any transactions over the phone or online.

How do I reset my PIN on my CheckCard?

If you know your current PIN, you may change it via Exchange Line using your card number and Exchange Line Personal Identification Number or by visiting your nearest office. If you do not know your current PIN, you may request a PIN reminder be sent via the US Mail or visit your nearest office to customize a personal PIN.

Default Card Limits ATM & Instant Issue Locations Checking Accounts Mobile Card Control

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