Exchange OnLine: First Time Login
Exchange OnLine and the NEBAT mobile app received a major upgrade! Use your existing username and password to login. Then, follow the prompts to access your online banking account and set up a new password.
For links directly to the app stores, FAQs and support contact information, please visit our Online Banking Upgrade news blog.
Holiday Closing - Independence Day
Our offices will be closed on Friday, July 4, for Independence Day. Note: ACH, wires and mobile deposits do not get transmitted on federal holidays.
Be Aware of Text Scams
We have been informed of an increase in text scams, falsely claiming to be from "Kroger." These messages appear as purchase alerts, suggesting that your card has been used to make a payment at Kroger. Please remember: Do not click on any links in these messages. Do not send any payments or personal information. Do not call the number provided in the text message. If you receive this message, delete it immediately. Stay safe and vigilant!
Bill Payment reduces the amount of your precious time spent writing and mailing checks and allows you to schedule one-time or recurring bills. Centralize all of your bill payments in one easy-to-use location, and pay your bills with just a couple of clicks of the mouse.
Enhance your experience with e-bills and expedited payments.
To add the Bill Pay feature in Exchange OnLine and the mobile app, login and navigate to Tools > Secure Forms and submit the Bill Pay Access Request Form. You will be notified once your request is processed.
With this feature, you may make a last-minute payment via Exchange OnLine Bill Payment and still get it there on time. For a small convenience fee, you gain peace of mind that your payment is being made in a secure, confidential environment while avoiding costly late fees or a black mark on your credit rating.
Visit our Expedited Payments FAQ for more information. Getting started is easy!
Log into Exchange OnLine.
Go to the "Bill Pay" page, find the payee to expedite payment to, click the down carrot next to the payee, and choose "Need to pay it faster?"
Complete your payment information and you are done!
Log into Exchange OnLine, go to "Secure Forms" under "Tools" and submit the "Bill Pay Request Form."
Once your enrollment is confirmed, click the "Bill Pay" page, set-up the payee, then click the down carrot next to the payee, and choose "Need to pay it faster?"
Complete your payment information and you are done!
EBills allow you to receive bills online conveniently in the Bill Payment area of Exchange OnLine, making the payment of your bills easier and more convenient.
Payees that offer an electronic bill option are identified with a "Setup eBill" link found below each individual payee. Before adding an eBill in Exchange OnLine, you must first have established a UserID and Password at the site of the biller which you wish to add.
Bill payments, including expedited payments, submitted before 8:00 PM CST will be considered submitted the same business day.
You can change your default account in the Manage tab of the Bill Payment payee.
Bill Pay Alerts are only sent via email. Please ensure the bank has your current email address on file.
This feature is in the "Bill Pay" section of Exchange OnLine. To begin using this feature, click on the “Sign up for eBill” within the individual payee that is eligible for eBills, and enter the information from the vendor bill that you receive.
Please note that not all payees are able to do eBills. Only those payees with "Sign up for eBill" are compatible with eBills.
Electronic bills are retrieved using two different methods:
1. Bill information retrieved from the Web site of the payee. (Indirect e-bills)
In order to retrieve bill information, users must enroll for online access at the Web site of the payee first (i.e. to receive an Alliant Energy e-bill, the user must be registered at Alliant Energy’s Web site).
2. Bill information is retrieved through a direct relationship we have with the payee. (Direct e-bills)
When a bill is set up for a payee via this method, customers are asked to provide information such as: last bill date, amount and billing cycle (the information varies by payee).
This information is used to validate your ownership of the account with the payee and to inform the payee that you have requested the e-bill service with us.
There are no additional fees for receiving e-bills online.
When your eBill arrives, you may view it by clicking "eBill Available". In the History list, click “View” on the particular bill to view the image.
Depending on how your biller provides the information, the bill may be in HTML or PDF format.
It is easy to pay your bills from either the Bill Pay page or when viewing your eBill.
You have three choices on how to schedule your eBill payments. You can access the Auto Pay options by choosing Enable Autopay.
Manual: An email alert is sent to you when a bill arrives, allowing you to review the bill and issue a payment. This is the default way to pay your bills presented online.
Auto Pay - In Response to an eBill: You can setup your own rules for how to pay a bill when it is received. Automatic payments get made every time a bill is received, without requiring you to approve the payment each time. You can choose to pay the full amount on the bill, pay the minimum amount due or customize the amount each month based on the amount billed.
Auto Pay - At Regular Intervals: You can establish a schedule for paying your bills for a fixed amount and frequency regardless of receiving a bill. This is done outside of the eBill process in the Make a Payment tab.
An automatic payment may be set up to go out every time a bill is received, without requiring approval of the payment each time. In the eBills Autopay section, choose SOMETHING I DON’T KNOW > Enable AutoPay. Choose your options within the When a Bill Arrives and Payment Delivery Options that fit your desired payment amount and timing.
You may choose to:
Yes. For bill payments set up to be recurring, your eBill notification email will indicate:
After an eBill arrives, you may view the bill in the eBills tab of the Payee.
No. You may still conveniently receive them in Exchange OnLine where you can easily consolidate and pay all of your eBills from a number of payees in one place.
Even though a payee is successfully set up for eBills, the paper bill may still be sent to you. Some payees will turn off the paper bill when an eBill is activated and some will not.
If you receive both a paper bill and an electronic bill, please pay special attention to avoid making duplicate payments. Some payees may offer the option of turning off the paper bill as a preference on their Web site.
Click "Update eBill Enrollment" on the eBill tab. Then choose Unenroll.
With the Expedited Payments feature, you can make a last minute payment to anyone, using funds available in your account at the time you send the payment, anywhere in the continental United States and faster than ever before. And since Expedited Payments is part of National Exchange Bank & Trust’s Online Banking product Exchange OnLine, you can enjoy the convenience of paying all of your bills in one location.
Our Expedited Payment feature provides you two options to make your payments.
These checks can be delivered to almost any payee the next day. In addition, when you confirm this payment, you will receive a FedEx tracking number that you can use to verify the receipt of your payment.
This option is available for any payee to which we currently send electronic payments. When you setup your expedited payment, the system will display the payment options that are available for you for the specific payee.
Yes, there is a nominal convenience fee associated with an expedited payment. The convenience fee is deducted from the funding account from which the payment was made, as a separate transaction.
Once you set up an Expedited Payment, you will not be able to edit or cancel it for any reason.
Yes. If the Expedited Check has not been cashed, a stop payment can be placed.
The address that is used for regular payments is stored in the system. You are asked to enter or edit the payment mailing address that is provided with the bill. Sometimes billers indicate a special address to use for payments delivered via an overnight service. If the address is a P.O. Box, you will need to contact the payee to identify an address to use for payments received via FedEx.
Yes. Overnight Checks are limited to the contiguous 48 states. You may not use bill payment services to (a) pay taxes or make other payments to governmental agencies, or (b) make payments to payees outside the United States or U.S. territory.
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