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eStatements
eStatements are free, electronic replicas of your printed paper statement that eliminate the need to print and mail the paper copies. Follow these simple sign-up instructions to get started today!
How it Works
You may enroll in eStatements through your Exchange OnLine electronic banking account.
Once you have enrolled, on your next statement date, you will receive notification that your eStatement is available for you to retrieve inside the secure Exchange OnLine product.
When your statement becomes available each month, a notification will be sent to the preferred destination, email or text message, on record with the bank and through the Exchange OnLine Message Center.
To ensure the highest security available, we have chosen to send you an email notification that your eStatement is available to view online and not to send the statement out to you. You may then log into Exchange OnLine where your account information is protected.
Receiving Access
eStatements are available to all customers enrolled in Exchange OnLine. Exchange OnLine is National Exchange Bank & Trust’s free consumer eBanking program.
If you are already an Exchange OnLine customer, simply log into Exchange OnLine and choose “Statements” under the Documents icon or More > Documents. You will be taken through a one-screen consent form. After agreeing to receive eStatements, choosing this link in the future will take you directly to your eStatements.
Why eStatements and OnLine Access?
Some customers may be curious why they need a statement when all the information they need is available in their account activity screen in Exchange OnLine.
Federal laws require that customers are sent a statement regardless of whether they can view the information online through their electronic banking account. Financial institutions may only offer the statements electronically if they are similar to the statement they would receive via the US mail.
Eligible Accounts
Accounts available for eStatements include checking, savings, money market, loans and CDs.
eStatement Resources
Online Tax Forms
eTax Forms are available inside Exchange OnLine. These forms include Forms 1098, 1099 and 5498.
How it Works
You may enroll in eTax Forms through your Exchange OnLine electronic banking account.
Once you have enrolled, you will receive notification that your eTax Form is available for you to retrieve inside the secure Exchange OnLine product. Yearly, a notification will be sent to the preferred destination, email or text message, on record with the bank and through the Exchange OnLine Message Center.
To ensure the highest security available, we have chosen to send you an email notification that your eTax Form is available to view online and not to send the statement out to you. You may then log into Exchange OnLine where your account information is protected.
Other eNotices
In addition to eTax Forms, other notices are also available inside Exchange OnLine. eNotices are a great way to receive important information about your accounts faster than in the mail. They also reduce clutter, help you stay organized and save trees!
Receiving Access
eTax Forms are available to all customers enrolled in Exchange OnLine. Exchange OnLine is National Exchange Bank & Trust’s free consumer eBanking program.
If you are already an Exchange OnLine customer, simply log into Exchange OnLine and choose “Tax Forms” under the Documents icon or More > Documents. You will be taken through a one-screen consent form. After agreeing to receive eTax Forms, choosing this link in the future will take you directly to your eTax Form.
Examples of eNotices Available
- Loan Year to Date Activity
- Annual Escrow Account Notifications
- Final (Last) Payment Notice
- Amortization Schedule Variable Plan
- Pending Interest Change Notice
- Transfer Notice
- Past Due Notice
For Personal Banking
Changing your document delivery method is simple and easy through your Exchange OnLine electronic banking account.
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Step One: Log in to Exchange OnLine or enroll today.
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Step Two: Click "More" > “Customer Service.”
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Step Three: Click “Document Delivery.”
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Step Four: Follow the prompts.
For eStatements:
If you are already receiving at least one eStatement but would like to change other accounts from paper to electronic delivery, follow steps 1-3 above and then:
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Step One: Select “Online” from the drop-down menu next to each eligible account.
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Step Two: Read the Service Agreement & Disclosure and click in the check box.
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Step Three: Click “Submit.”
For Credit Cards Through eZCard
Credit Card customers who have enrolled in the online credit card website, eZCard, can easily switch to eStatements for credit card statements.
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Step One: Log in to eZCard, National Exchange Bank & Trust’s credit card management site, or enroll today.
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Step Two: Under “Statements,” click on “Delivery Options.”
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Step Three: Click the circle next to “Electronic.”
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Step Four: Read through the Agreement and follow the instructions listed.
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Step Five: Click "I Agree" to submit your delivery preferences change request.
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Step Six: Verify your email address to complete the process: Log into your email and click the link in the email sent for verification or follow the instructions provided on the Statement Preference Confirmation page you see after clicking "I Agree" in step 5.
Online Document FAQs
Will I continue to receive my printed statement in the mail if I sign up for online documents?
No, when you sign up for online documents you will no longer receive paper documents in the mail effective with your next statement date.
What accounts are available via eStatement?
eStatements are currently available for checking, savings, money market, certificate of deposit and loan accounts.
Why can I not choose “online” for my loan account document delivery?
If one of the following applies to you, the bank needs to make a few adjustments in order to view your information in Exchange OnLine:
- Your loan is currently being paid as an automatic payment out of your account.
- You originally received a coupon book.
- You are receiving a summary of your loan balance information combined with your other deposit account statement.
Please contact your local office or send a message via the Exchange OnLine message center so we may adjust your account settings and have an eStatement generated.
Is there a cost associated with receiving online documents?
No, online documents are FREE to National Exchange Bank & Trust customers.
Is special software required to view my online documents?
Your online documents will be in a PDF format so you will need the free program Adobe Reader or a similar PDF Viewer solution. Visit the Adobe Reader website to download the free software.
How do I make my loan payment when I only receive an eStatement?
The payment coupon on the bottom of your eStatement should NOT be sent in. The easiest ways to make your payments are in Exchange OnLine via a Bill Payment or a transfer. Both methods allow for you to set up an automatic recurring payment or to do the payment manually each month.
DO NOT INCLUDE THE BOTTOM PAYMENT COUPON ON AN ESTATEMENT IF YOU MAKE YOUR PAYMENT VIA CHECK. However, please include your account number on your check.
How do I balance my statement?
You may continue to balance your statement as done previously. If you previously chose to balance using the helpful information on the back of the printed statement, you may still access this form by choosing "Balance & Errors" in the top right location of the menu while viewing your eStatement or you may find it on the Disclosures page.
What should I do if I am unable to download my online document?
First, verify that you have the latest version of Adobe Reader as indicated above. Second, confirm that you have configured your browser to allow pop-ups from the Exchange OnLine site. If you have confirmed that both of these issues are addressed and you are still not able to view your online documents, please call us at 1-877-921-7700 or Contact Us electronically.
How do I allow pop-ups from Exchange OnLine?
Please consult your browser’s help area or visit Microsoft’s Website to learn how to change your pop-up setting.
Why am I not seeing my tax document?
Electronic tax documents are only found under the Exchange OnLine UserID for the individual under whom the tax information is filed because they are created based on the social security number of the primary account holder, not the account number. In the Overview page of Exchange OnLine, the name of the user can be found directly under the menu. Each user will only be able to see the tax documents filed with the IRS under their social security number as primary.
Why am I not able to view my most recent past document after I have consented?
Due to varying document dates, new customers to Exchange OnLine may not immediately have a past document available. In these cases, you will be notified as soon as a new document is available.
I can only see the first page of my online document. How do I scroll to the remaining pages?
On the top of your document viewer, you will find the page navigation area. You may either directly enter the page to which you would like to move in the white box or navigate through the pages using the arrow keys.
What should I do if I do not receive my online document notification?
If you have not received an email notification that your online document is available to view online, the email address on file may not be current. Please go to "More" > "Customer Service" in Exchange OnLine, and choose "Contact Information" to check your email address and update it if necessary. Your current email address on file is also indicated on the Accounts landing page.
If your email address is correct and you are still not receiving your online document notification, call us at 1-877-921-7700 or Contact Us electronically.
How do I change the email address to which my online document notifications are sent?
You may modify the email address we have on file in Exchange OnLine by going to "More" > "Customer Service" > "Contact Information."
What if I sign up for online documents and then decide I would like to receive paper documents again?
You may revert to paper documents in Exchange OnLine. Click on "More" > "Customer Service" and then click on "Document Delivery." Choose "Paper" from the drop-down menu.
Withdrawal of consent requires that you receive your statements and disclosures via the US Postal Service. If you change an account's statement delivery method from "Online" to "Paper," you will lose access to any statements previously delivered online. You may want to save your online statements before making this change.
You may also withdraw your consent to receive National Exchange Bank & Trust online documents and disclosures electronically by calling National Exchange Bank & Trust at 1-877-921-7700.
Required Software
Online documents require Adobe Acrobat Reader 7.0 or newer.
If you are unsure whether your program is the most current version, click here to access a test PDF file. If you need to update your software, please click the link below for information regarding downloading the latest version of Adobe Reader.
Because online documents are accessed through Exchange OnLine, customers must also meet the hardware and software requirements for Exchange OnLine.
Additionally, the Microsoft Windows Internet Explorer browser default setting may block downloads and pop-ups. eStatement downloads will be blocked until the user allows pop-ups from the site or changes the setting of the pop-up blocker to low.
Retaining Records
After consent is given, customers will begin to build an 13-month history of active electronic statements. For tax and record-keeping purposes, customers are encouraged to download and save statements in a safe and secure location.
