Scam Alert: Misinformation Campaign Targeting Bank Customers
A recent email scam is circulating, falsely claiming banks are "preparing for the Digital Dollar" and urges customers to act within a specific amount of hours. These messages are designed to create fear and distrust. Do not click on any links. To learn how to protect yourself, visit our Fraud Resources page.
Read the Full Warning from the Wisconsin Banker's Association
iOS: Download on the App Store
Android: Get it on Google Play
Details for Online Banking Users Action Needed Check List FAQs
We're excited to be investing in a major upgrade to our personal online banking platform, Exchange OnLine and the mobile app. This page is your go-to resource for important updates and information. Use the anchor linked buttons above to quickly find the information you are looking for. Supporting our customers and providing you with peace of mind is our top priority, and our goal is to make this transition as smooth and easy as possible!
We are investing in new online banking technology to benefit you, our customer, with new and improved functionality, which includes:
Online and mobile banking will be temporarily unavailable from Friday, June 13 at 8 PM CST through the morning of Monday, June 16. During this time, you will not be able to access our online banking website or mobile app.
Bill Pay will be removed on Thursday, June 12 in the afternoon; however, scheduled payments will process as expected.
Please plan accordingly for any banking needs you may have during this period and be sure to complete the Exchange OnLine upgrade Pre-Launch Checklist to help you prepare.
Verify your contact information is correct inside online banking. Login to Exchange OnLine > Go to More > Customer Service > Contact Information
In preparation for the upgrade, National Exchange Bank & Trust “on-us” loan payees in Bill Pay should not be used to make a loan payment. Your payment may not go through if you choose this payee.
Use Transfer as the best method for making your NEBAT loan payment electronically.
Simply login to Exchange OnLine and go to the Transfer page, then:
If you choose to set up recurring transfers, the recurring payment will transition to the new platform.
If you choose to use bill pay and create a new payee for your loan as your preferred payment method, please note that delays will occur in applying your payment.
Be sure to cancel any upcoming or recurring payments scheduled in bill pay for which you establish a transfer for to avoid duplication.
We are experiencing a delay in the delivery of electronic loan statements. Starting mid-June, your monthly loan statements will be delivered via U.S. mail, in paper form. Here are some actions you can take now:
We are actively working to reintroduce loan statements in Exchange OnLine, and when they are available, we are excited to share that you will be able to view them in the mobile app as well as on desktop!
You will receive notifications via email and online banking messaging when Loan eStatements are ready.
Accessing the desktop version of Exchange OnLine from any page of nebat.com will not change, and it is the recommended method of logging in. If you have saved an alternate login page on any device or browser, that page will not work after the upgraded site has launched.
For security purposes, you will be asked to provide additional personal identification information the first time you login and the new system will then prompt you to update your password with at least 12 characters.
Recurring transfers are expected to transition. You will want to confirm your transfers happen as expected.
External transfers will require a security code received through email or text, your chosen MFA (multi-factor authentication) method for enhance security. Additionally, external transfers made after 3 PM will be processed on the following business day.
eStatement and other eDocument history will change to two years. We highly encourage you to download and save all eDocuments (eStatements, eNotices and Tax Forms) currently available in Exchange OnLine.
Bill Pay payees and history are expected to transfer but will temporarily NOT be available starting the Thursday before transition weekend. Be sure to monitor your previously scheduled bill payments to ensure they have all transferred correctly.
Alerts that you have previously setup will need to be recreated. To combat fraud, we highly encourage the use of Alerts via email and/or text.
The new mobile app will have nearly all of the same abilities as the full desktop version of Exchange OnLine. To accomplish this exciting upgrade, we are completely rebuilding the app.
Apps on iPhones are expected to automatically update depending on the user’s settings.
Android users and iPhone users who have not enabled auto updates will need to download the new app (we suggest you also uninstall the old app as it will no longer work).
Look for this icon to confirm you are accessing the most recent app.
Card Controls will include controls for both CheckCards and credit cards and will need to be reset in the new app. The SecurLOCK Equip app will not work with NEBAT Cards after transition weekend.
People Pay will be changing and will be removed on February 17. A new person-to-person payment option will be added to the new and improved mobile and online banking tools shortly after launch.
Aggregated accounts will need to be relinked in the new Financial Wellness tool. Any accounts you had previously linked inside Exchange OnLine or the mobile app will need to be re-established.
If you have questions or need assistance, please do not hesitate to use the chat function or call our eBanking Champions at 920-924-2250.
Review and complete applicable items below before 8 PM on Friday, June 13.
Verify your contact information is correct inside online banking for a smooth login process in the new solution.
Login to Exchange OnLine > Go to More > Customer Service > Contact Information
Confirm your current email address
Confirm your current mobile phone number
Confirm you know your current username and password. (Autofill and biometrics will not work.)
Export any historical transactions that you download for other budgeting and accounting applications (only 90 days of transactions will transfer).
Download any deposit statement you want to keep that is older than two years.
Download all loan statements you want to keep – your statement will convert to paper for a short time period.
Clean up bill pay payees – hidden payees will come over as Active Payees. You can either delete old payees now, or make them inactive after the transition if you don’t want to see them on the main bill payment page.
Loan customers: update any NEBAT loan payments to transfers (On-us payees will not transfer; using bill payment will delay your payment.)
Ensure your PIN is set up for Exchange Line (800-707-BANK) to check your balances and transactions over the conversion period. Additional Services - National Exchange Bank & Trust
To ensure a smooth transition to our upgraded digital banking experience, we recommend reviewing our Post-Launch Checklist. It outlines the key steps you should take after you login for the first time.
If you have questions or need assistance, please do not hesitate to use the chat function or call our eBanking Champions at 920-924-2250. Our eBanking Champions will have extended service hours from Monday, June 16 through Friday, June 27. They will be available Monday - Wednesday, 8:30 AM - 6:30 PM, Thursday 8:30 AM - 5:30 PM and Friday 7:00 AM - 5:30 PM.
The upgrade is scheduled to launch the morning of Monday, June 16. Online and mobile banking will be temporarily unavailable from Friday, June 13 at 8 PM CST through the morning of Monday, June 16. During this time, you will not be able to access our online banking website or mobile app.
Yes. Online and mobile banking will be temporarily unavailable from Friday, June 13 at 8 PM CST through the morning of Monday, June 16. During this time, you will not be able to access our online banking website or mobile app.
No, you will not need to re-enroll, and your username will remain the same.
Yes. A new and improved mobile app will be available for download once the new platform has launched.
For security purposes, National Exchange Bank mobile app is designed to be compatible with the most recent operating system releases. As of June 16, 2025, supported operating systems are Android 12 or higher and Apple iOS 15 or higher.
For security purposes, National Exchange Bank's online personal banking platform, Exchange OnLine, is designed to be compatible with the most recent browsers. For most browsers, the latest two versions are supported.
Your active Exchange OnLine username will not change; however, your password will need to be updated once you have logged into the new platform for the first time.
The first time you login to the upgraded platform, you will need to change your password. It will need to be at least 12 digits and include an uppercase, lowercase, number and special character. If your current password meets all of these requirements, it will still need to change the first time you login.
Please contact the bank’s eBanking Champions directly to help assist you with your first login by calling 1-920-924-2250 during the bank’s normal business hours.
Digital ID is an added layer of security for when you need assistance. It will allow National Exchange Bank & Trust customer service representatives to push a request to your mobile device to confirm your identity. Please only give this code when you receive it during a support call using a trusted, published phone number on nebat.com or chat you have initiated with a NEBAT representative on nebat.com or inside an ebanking solution. Do Not give out a one-time passcode in response to a text or call to validate a card transaction.
No. Active payees are expected to transfer and will be available in the new platform.
Although all recurring bill payments and bill pay payees transferred from the previous version of Exchange OnLine, the default account set to pay a payee did not transfer. If a recurring payment has been set up, it will continue to pay from the account originally set to pay from; however, the "Pay From" field will not be populated.
For non-recurring payees, each time you pay the vendor, you can select the funding account for each payment. The last account chosen will default in the “Pay From” field for the next payment.
You can change your default account in the Manage tab of the Bill Payment payee.
Yes. Alerts that you have previously set up will need to be recreated. Once the new site has launched, go to Tools > Alerts to set up your alerts. You will need to agree to receive SMS text messages as part of this process. The SecurLOCK Equip app will no longer work with NEBAT Cards after transition weekend.
With the new platform, you will be receiving text notifications all at once around midnight each night. To avoid that please set up daily alerts with a time to avoid getting multiple texts.
If you receive a new device, your alerts need to be updated to push to the new device. Open each alert to update the destination, and manage your devices by logging in through a browser. Once logged in, go to your profile in the upper right. Choose Settings > Security > Push Notification Registered Devices. Controls set up in Card Controls need to be directed to your new device in the Manage Cards section.
The current Personal Finance tool will be replaced with an improved Financial Wellness tool. Any accounts you had previously linked inside Exchange OnLine or the mobile app will need to be re-established.
Two years of statement history will transfer; and a rolling two years of statement history will be maintained. If you would like to have a longer archive, please be sure to save statements out of Exchange OnLine.
Accounts will show in eBanking in a closed status until they go through our historical purge process. You can choose to hide (or show) accounts based on your preference within the Account area of the Settings menu.
A limited number of historical transactions will transfer to the new platform. We recommend downloading any transaction history needed for accounting software before the transition to the new platform.
Yes. Scheduled internal and external transfers will continue. You will want to confirm your transfers happen as expected.
Yes. However, the new Exchange OnLine has different character limitations. When you go to update account parameters, you may be required to remove special characters or shorten your nickname in order to save your changes.
From the accounts page, with the account selected that you want to customize the transactions for, click on the button below the transaction, for example the button may read "Loans" or "Groceries." The side-car menu will display to "Categorize Transaction" in here you will see many options of parent categories to scroll through and select. Once you select a parent category, there are more sub-categories to choose from. You can create a custom sub-category: click the "+," type your category name and hit enter to save.
Note: You will not be able to delete or edit custom categories.
The dashboard settings in a browser on a PC only customize what you see on the dashboard. To hide an account from all areas inside online banking, please use the settings menu found under your profile icon / image in the upper right corner of your screen.
Chromebooks, though they look like a laptop, function differently and do not always display the full browser version of Exchange OnLine. We recommend downloading the mobile app on your Chromebook to get the best experience.
Login to Exchange OnLine or the mobile app and go to “Card Management” under “Manage Cards.” On a PC, hover over the card you want to set alerts and controls for and click “Manage card,” then click the gear icon across from “Alerts and Controls.” On a mobile device, under the card you want to manage, select Alerts and Controls. When the “Alerts and Controls” items are displayed you will see “Update Registration” below the “Card Settings” section. Select the method you want to receive alerts on.
If you have not verified your phone number, SMS text will not be an option. Go to Settings > Contact and choose the pencil next to the phone number that says “Not Confirmed.” You will need to put in two instances of MFA to confirm the number.
Select “Send a code via text” – Chose Text or Call and choose Send. Enter the code you received and click Verify.
Enter the second code you receive in the “Code” section and Select Confirm Code.
A green “Confirmed” button will appear. Choose Save Changes.
You can receive alerts via email, text or push notification. To customize your preferences, go to Update Registration. If one method is already active, select the activated method next to the green icon. A list of available options will appear: email addresses, phone numbers for text and devices for push. Check or uncheck the boxes to turn each method on or off. Be sure to click “Save” to apply your changes.
Loading
Apps on iPhones are expected to automatically update depending on the user’s settings. 