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Mobile Banking


With an active Exchange OnLine account, mobile banking makes it easy to do your banking anywhere and everywhere.

  • Deposit Checks with Remote Check Deposit
  • Check your account balances
  • View your transaction history
  • Transfer funds between accounts
  • Use Bill Pay
  • Locate National Exchange Bank & Trust Offices and ATMs

Mobile App

Android and iPhone apps are available for download through Google Play (Android) or the App Store (iPhone) - search National Exchange Bank & Trust.

Download our App on the Apple Store Download our App on the Google Play Store

Text Banking

As simple as one letter: Text “B” for balance and “H” for history.

Text Banking is a fast, easy way to look up account balances or recent account history without needing a smart phone or logging into your account.

To enroll in Text Banking, go to “Customer Service” in the "More" menu inside Exchange OnLine and click "Mobile Banking" then click the “ADD TEXT BANKING" button. You will receive an activation code, instructions and a text message from National Exchange Bank & Trust to get you started.

Managing Your Mobile Devices

In Exchange OnLine, you can add, remove or disable mobile devices through the Mobile Banking Center, by choosing “Manage mobile banking settings” under the “Customer Service” tab or on the Quick Links Menu on the “Accounts Overview” page.


Just like using Exchange OnLine on a computer, you will always be asked to provide your secure username and password. Device passwords are also encouraged.

Up-to-date virus and malware protection should be on all equipment used to access Exchange OnLine.

Use the FCC’s Smartphone Security Checker to take additional steps to secure your device.


Mobile Apps and Text Banking are free; however, text message and data fees may apply from your wireless carrier.

Mobile Banking Terms and Conditions of Use.

Mobile FAQs and Troubleshooting

Mobile Check Deposit FAQs

Pass Code / Quick Access Issues for Android Users

If you are having issues with your Fingerprint or Passcode Quick Access not working properly, try the following steps:

  1. Ensure your phone operating system is up-to-date with the latest Android release. Running Android 13 has been known to help and this has been an impactful first step for many of our users.
  2. Ensure you are running the latest app version. Open the app and click About on the login screen to find the app version and compare it to what is on Google Play Store.
  3. Uncheck the small box that defaults to fingerprint access (if applicable) on the log in screen.
  4. Log in to the app with your User ID and Password.
  5. Go to More > Settings and disable Quick Access.
  6. Sign out and close the app.
  7. Open the app and log in.
  8. Go to More > Settings and enable Quick Access.
  9. Sign out and close the app (again).
  10. Re-launch the app and log in using your Quick Access settings.


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