Online Banking Services FAQs
Common Questions About Consumer eBanking
Exchange OnLine is available for all personal banking customers to view accounts and eStatements. Minors using Exchange OnLine will have limited money movement abilities . Minors under the age of 13 should request parent or guardian approval before enrolling.
Please visit our Mobile Banking page to read more about our mobile app’s features and benefits. If you are looking for help, live chat is available inside the app during regular business hours, you can send secure messages in the “Message Center” in the app or call your local office.
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.
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.
You can view any account, including personal checking, savings, credit cards, loans and certificate of deposits. As soon as you sign on, you will see a list of your personal accounts.
Exchange OnLine has a “forgot password” feature. If you ever forget a password, click “Password” in the “Forgot Username or Password” link on the login screen. You will need to choose a password that has not been used previously.\
Additionally, you may change your password at any time in the Settings > Security menu.
Multi-factor authentication can only be set up through the browser version of Exchange OnLine. We recommend using a PC or tablet to access the security settings. Once logged in, select your picture or icon in the upper right-hand corner and choose settings, then go to the security tab.
If you are attempting to do a transfer to another financial institution (an external transfer) for more than $250, the MFA process will be triggered, and you will be asked to authenticate the request with a one-time passcode. You may also get a passcode request from the other financial institution. Only one of the requests is from National Exchange Bank & Trust’s online banking.
Exchange OnLine users will be able to view at least 90 days of activity upon enrollment as a new customer (and upon first login after the transition to the new platform in June 2025). Transaction history will build up to 2 years. Statements will build for up to two years as well.
You have the option to download your activity and save it in a variety of formats including CSV, OFX, QFX and QBO. From a browser on a computer or tablet, in the Accounts screen for any account select the download arrow icon immediately above your transactions for download options to pop-up on the right. Choose your preferred download format, date range and account(s) for the transactions you want to download and select "Download."
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 seemany 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, hit enter to save
Note: You will not be able to delete or edit custom categories.
If the system’s AI is removing your check number, within the browser version of Exchange OnLine, click “Help” in the upper right corner of the transaction summary drop down. Then choose “The transaction’s simple description is inaccurate.” This will allow you to revert to the original description which includes the check number.
Your Current Balance is the balance that includes all finalized transactions. It does not include any pending transactions such as card payments. Your Available Balance is your Current Balance plus electronic transactions currently pending. This is the balance used when attempting card transactions.
Yes.
Use the Message Center to send a secure form to request your contact information change.
In Exchange OnLine in a browser, choose the account you want from your dashboard and select Account Details. In the mobile app, select the account you want and touch “Show Details” in the upper right corner.
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.
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.
In the app, select the “More” menu with the three dots, and at the top you will see the “Log out” button displayed to the right of your name. On a PC, select your profile in the top right and “Log Out.”