Debit Card
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How do I apply?
The Exchange Bank Debit Card is your checkbook and ATM card rolled into one. As an ATM card, you have access to cash at ATMs throughout the world. As a debit card, you can make purchases anywhere Visa is accepted. You may apply for an Exchange Bank Debit Card by completing the Application Form and returning it to the bank via FAX or e-mail.
How do I report a lost or stolen card?
To report a lost or stolen card you may call 1-800-523-4175, 24 hours a day, 7 days a week. You may call the bank to report a lost or stolen card at 913-367-6000 between the hours of 8am - 5pm Monday through Friday.
How do I handle a potentially fraudulent charge?
If you detect a transaction on your account that you believe is fraudulent, was not authorized by you, or that there is an issue with the merchant, please contact the Card Services Department at 913-367-6000. The Customer Dispute Request form must be completed.
How do I set my PIN?
Your debit card is issued without a PIN number. For security reasons, the new and reissued cards cannot be used until you call Card Services. You must call from one of the phone numbers on record from your application to activate your card. New card PIN numbers are also selected by you when activating your card. The Card Service's number is 1-866-985-2273 and is available 24 hours a day, 7 days a week. This number may also be called at any time to change your PIN. If you know your current PIN, you may also make a change at any EBT ATM.
What’s the difference between a PIN and a signature transaction?
First of all, when you use your PIN, you will find that the transaction is settled more quickly than if you sign for a purchase. While the money comes out of your checking account whether you use a PIN or a signature debit, with a PIN it often comes out a little faster. Your PIN transaction can be settled at the end of the day. Merchants may also have varying options for cash back on PIN transactions. Due to EBT’s experience with fraud, purchases from certain merchants are only accepted as PIN transactions.
The alternative to using your PIN when you swipe your debit card is signing for your purchase. It takes longer for these to settle through the system. In some cases, it might actually take a couple of days for your signed debit transaction to be finally deducted from your checking account (although a Memo-Post of the transaction normally remains on the account until the final posting occurs). Visa offers “Zero Liability” for fraudulent signature-based transactions.
Which should you choose?
In the end, whether you choose a PIN or signature-based transaction is up to you. When the merchant offers both types of transactions, you make the choice. All cards can process either type of transaction. (If one method is unsuccessful the alternate may complete the transaction in some cases.) On the other hand, you may want to make a PIN transaction because it is sometimes considered a little more secure at the terminal.
What’s my card limit?
Your debit card limits are generally $1,000 a day total for signature and PIN based transactions, which includes a $500 a day limit for PIN/ATM transactions. These limits are set based on general usage and bank liability, not account balance. Card limits can be modified to accommodate special short term needs with a call to the Card Services Department.
When does my card expire?
Your debit card generally has a three-year expiration period. Cards are valid through the month that they expire. The new card is issued towards the end of the expiration month. Cards must be activated upon receipt. This may be done via the Card Service's phone number 1-866-985-2273, or via an ATM transaction. Please remember to register a PIN number to your new card during the activation process.
Can I use out-of-network ATMs?
When using an ATM not associated with Exchange Bank, you may be able to avoid some fees.
Exchange Bank & Trust offers nationwide access to ATMs with the MoneyPass® Network.
Whether you’re around town or traveling across country, look for an ATM with the logo and use your debit card wherever you are and reduce your ATM fees.
Download the MoneyPass® mobile app for iPhone® or Android™ to locate ATMs anywhere coast-to-coast or use the online locator1.
1Applies only to customer/member cards authorized by participation financial institutions. Customer /member must confirm participation in the program with his/her financial institution.
How do I set email alerts?
Keep tabs on your debit card with Email Alerts! Debit Card Email Alerts allow you to protect your account with added security. There are a variety of alert options that can help you keep track of your activity and account balances. Sign up for alerts to start managing your accounts today!
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Mobile Banking
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What is Mobile Banking?
Mobile Banking allows you to perform everyday banking functions through the convenience of your mobile device. For example, you can access your account balances, review your most recent account activity, make transfers, pay bills, and even be alerted on your account activity even if you are not close to a computer.
Is there a fee for using Mobile Banking?
No. Exchange Bank does not charge a fee for using its Mobile Banking Service. If your account limits the number of transactions you are allowed, for savings accounts, for example, and you exceed those limits, certain fees could apply for transfers you make through Mobile Banking. Small Business customers will also be responsible for any Bill Payment fees associated with their account, as defined in the disclosures for their respective account type.
Is Mobile Banking secure?
Exchange Bank is very concerned about the safety and privacy of your account information and is committed to security. To ensure the security of your account information, several security features have been built into our Mobile Banking Service.
- No Identifiable Information — Texts and Alerts from Exchange Bank never include any personally identifiable information, such as your full account number, Password, e-mail address, or mobile number. Your User ID and Password will never be included in any of the text messages or alerts you receive from Exchange Bank.
- Secure Login — Mobile Banking via Mobile Web and Mobile Application require a secure login for access. No one can access your account information without knowing your unique username and password.
- Data Encryption – For your protection, only limited information (such as your account nicknames and cached balances) is stored locally on your mobile device. All your account data resides at your bank, just as with Online Banking.
Of course, as with any electronic banking service, customers also have a responsibility to make sure they are using the service in the way it was intended, to protect their access codes. You must tell us promptly if your mobile devise is missing or if you change your mobile telephone number. When using Text/SMS Message Mobile Banking, we recommend that you lock your mobile device. Any device that remains unlocked and is enrolled to receive text alerts will have account nickname and balance information exposed to anyone who uses the mobile device. Additionally, we recommend that Text/SMS Messages sent to or received from Exchange Mobile Banking be deleted as they are received.
What are the services offered as part of Mobile Banking?
Mobile Banking consists of three separate — but complementary — services:
- Mobile Banking via Text/SMS Message: Mobile Text/SMS Banking gives you the ability to send certain text message commands to our short code (89549) to obtain account balances and view account transaction history.
- Mobile Banking via Mobile Web: Mobile Web is a web site that is accessed through your mobile device. It contains many of the features available in online banking but is optimized for viewing on a small screen. This enables you to use many of the features available through Online Banking today, including viewing account balances, viewing transaction history, transferring funds, paying bills, and locating the nearest Exchange Bank Banking Center or ATM.
- Mobile Banking via Mobile Application: A Mobile Application is downloaded to your mobile device from a mobile App Store. The app is a program that is installed on your mobile device that provides a unique experience designed specifically for the iPhone, iPad and Android devices. It allows you to sign on to a mobile-device version of Exchange Bank’s Online Banking to enable you to use many of the features available through Online Banking today, including viewing account balances, viewing transaction history, transferring funds, paying bills, and locating the nearest Exchange Bank Banking Center or ATM.
What is a short code?
Short codes are special telephone numbers, usually five or six digits long, which are used to send and receive text messages from mobile phones within the U.S. You can think of a short code as a Web address for your cell phone, using five digits instead of a URL such as www.myexchangebank.com. They are often used for services such as television voting, ordering ring tones, charity donations, and mobile services.
89549 is Exchange Bank’s short code for communicating with you via a text message.
How do I sign up for Text Banking?
You may enroll for alerts by accessing Mobile Settings within Online Banking. You may also contact us at 913-367-6000 and we can assist you with setting up your alert preferences.
- Log into Online Banking and then select Options, then mobile settings, text mobile
- Enable text access check box
- Enter your mobile phone number to receive messages on.
- Select your cellular service provider
- Select the accounts you would like to receive messages from and create a short name for each account
- Click Submit.
Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service (for example, CH1, CH2, CC, SAV).
An example of this would be sending a message to 86549 with bal ch1 to check the balance on checking account one.
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