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. 

Holiday Closing Schedule and Notice

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!

Personal Line of Credit

With a personal line of credit, you can write your own loan, up to a pre-approved loan limit, simply by transacting on your account — regardless of your checking account balance.

Start the application process. Follow the link below for a printable application and take the completed application to your local NEBAT office.

Personal Line of Credit Application

group of adults sitting around a table in a coffee shop

Extra money when you want it

  • With a personal line of credit, you can write your own loan, up to a pre-approved loan limit, simply by transacting on your account — regardless of your checking account balance.
  • A Personal Line of Credit also protects against embarrassing overdrafts and expensive overdraft fees by automatically transferring cash to your account when transactions exceed your balance (up to the amount of your pre-approved limit).
  • Funds will automatically be transferred to your checking account in increments of $100, up to the amount of your pre-approved limit, when the transactions on your account exceed the available balance.
  • Repaying your personal line of credit is easy. A monthly payment — $25 or 5% of the balance, whichever is greater — will be deducted automatically from your account balance 24 days after your checking account statement is prepared. The payment amount includes payment of principal and interest. Subtract this amount from your checking account balance.
  • Additional payments may be made by making a deposit to your checking account and indicating that it is a payment to be applied to your personal line of credit balance. Detailed interest, fee and payment information is disclosed on the application.
Top
Some content requires Adobe Acrobat Reader to view.