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Exchange OnLine

Experience the time-saving benefits and convenience of electronic banking with Exchange OnLine


Receive instant access to your account online when you auto enroll using your personal identifying information. The easiest process is to use your CheckCard information, but you may also use your most recent deposit statement information or loan account information to successfully enroll. The process includes the option to enroll in Bill Payment and eStatements.

Enroll Now

Easy enrollment guide

Viewable Accounts

  • Checking
  • Savings
  • Certificate of Deposits
  • Money Market
  • Loans
  • Home Equity Line of Credit
  • Credit Cards
  • Personal Line of Credit
  • IRA Balances

Deposit balances and activity and loan account balance information is real-time and updated as your transactions are processed. Your transaction history is built starting with your first login, and up to 550 days of history is viewable.

Premium Alerts

Alerts are a great tool to communicate important banking events to you via email or text message. They allow you to monitor and act quickly to prevent potential fraud and monitor online banking activity. Visit the Settings > Alerts page within the "All" menu of Exchange OnLine and get started. Examples of notifications include:

  • Balance activity such as daily notifications or when the daily balance starts a certain level - low or high.
  • Transaction alerts for out-of-state or international transactions. Even Card Not Present transactions so that you are notified as your card is being used via telephone or the web.
  • Notification if a bill payment payee was added.

To update your contact information to include a secondary email address or mobile number to receive text alerts, go to Contact Information within the Customer Service menu of Exchange OnLine. 

Use of text alerts requires that you agree to the Internet Banking Premium Alerts Terms of Use.

Other Great Features


Free, electronic replicas of your printed statement that eliminates the need to print and mail the paper copy.

Bill Payment with e-bills

The ability to pay bills online without sending a paper check.

People Pay

Send money online to friends and family with easy-to-use People Pay inside Exchange OnLine and through the mobile app.

Personal Finance

View your entire financial picture and easily budget with this free tool!

Stop Payments

The ability to initiate a stop payment on a specific check.

Internal Transfers & Scheduled Transfers

Inside Exchange OnLine and the mobile app, you have the ability to conduct transfers of funds between accounts held at National Exchange Bank & Trust. You can also future date transfers and set-up recurring transfers.

Transfers scheduled before 8:00 PM CST will be completed on the same business day.

External Transfers

Transfers funds between accounts held at National Exchange Bank & Trust and another Financial Institution. External transfers may also be future dated or set to reoccur. (Separate authorization is required.)

Transfers scheduled before 8:00 PM CST will be completed on the same business day.

Advanced Login Authentication

Your identity is checked through multiple channels at login as added protection when signing in to your already secure electronic banking account. Please verify your phone numbers on record with the bank are up-to-date including your mobile phone number.

Advanced Login Authentication Tips

Forgotten Password

Use this tool at the Password Screen in Exchange OnLine (after entering your User ID) to reset your password using an Out of Band Authentication process. We will call or text you at a phone number we have on file. Once you have been locked out for too many login attempts, the forgotten password service is also be locked out, so please use this feature before being locked out.

Virus Protection and Spyware | System Needs

For your protection, it is important that your computer have the latest virus protection and spyware tools installed including the latest updates as they are released.

Exchange OnLine Required Hardware and Software


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