System Enhancement 2026

The Evolution of Better Banking.

Digital Banking System Enhancement.

Exciting Online Banking enhancements are coming to Exchange Bank in 2026!

Your banking experience, whether in our branches or online, is of the utmost importance to us. That is why we are updating our digital banking platform with better usability and new features. Soon you’ll enjoy easier saving, spending, tracking, account opening, and access to new helpful financial features and functions.

Don't forget to check your mail!

Please keep an eye on your mailbox for a green envelope which contains a full printed booklet of system enhancement information! If you do not receive an envelope, please contact us.

Read Our Guide

New debit cards

You will receive new debit cards between July 8th and July 20th, and they can be activated on August 6th using the instructions that will come with the card. Your old debit card will no longer work on August 6th. If you do not receive a new card, please come by your local branch.

Important Updates:

Wednesday, August 5th:

ATMs will be out of service starting at 2:00pm
Your old debit card will be deactivated at the end of the day
QuickBooks^® and Quicken^® users do a full data backup
Before August 5th, make sure you download any online data such as transactions and eStatements for your records, as these will not immediately be available in the new online banking platform
Access to online bill pay will be unavailable starting at 2:00pm. Any bill scheduled to be paid after that time will still process, but no new bills can be added.

Thursday, August 6th:

Activate and begin using your new debit card; your old card will no longer work
Online and mobile banking will be unavailable
Online bill pay is unavailable
Mobile check deposit is unavailable
Telephone banking will be unavailable
ACH processing stops after 2:00pm

Friday, August 7th:

Online and mobile banking will be unavailable
Online bill pay is unavailable
Mobile check deposit is unavailable
Telephone banking will be unavailable

Monday, August 10th:

Access to online and mobile banking will be available after 9:00am. Mobile users will need to update or download the new app before logging in using the instructions below.
Online bill pay will be available after 9:00am
Mobile check deposit will be available
Telephone banking will be available
After August 10th, you will need to reactivate your QuickBooks^®/Quicken^®. Please note, full integration cannot occur until after August 17th.

Tuesday, August 11th:

ATMs will be available

Dedicated Customer Support Number: (660) 727-3344

Available to you during normal banking hours.

Download the New Mobile App

On August 10th, Android^® users will need to download the new Exchange Bank mobile app. Apple^® users will not need to download a new app, but instead will receive a forced app update. Old apps will be inactive as of August 5th.

Please Note: Apple users will not need to download the new app as long as they have enabled automatic updates. If the Apple app does not update automatically, Apple users will need to navigate to the App Store and manually download the new version.

Please use the links below to download the new apps.

ATM Availability

Downtime will occur, beginning at 2:00pm on August 5th. ATMs will be available again starting August 11th.

How to Prepare for the System Enhancement

We recommend you take the following actions before August 6th to minimize disruption in your Exchange Bank accounts and services to ensure a smoother transition during the upcoming system enhancement.

Be sure you know your online banking credentials
Download transaction history and eStatements ahead of time
Receive and keep new debit card safe
Verify your contact information is up-to-date
Business online banking customers should collect ACH template data

The Following Features Will Be Available:

Customizable Debit Card Limits – Temporarily adjust debit card limits within the mobile banking app, up to the available balance in your account, to make large purchases.

Adjusted Processing Times – 5:00pm cut-off time for day-end processing, 4:00pm for mobile check deposit.

Credit Score Monitor – View credit score and monitor changes to credit.

Debit Card Management – Monitor & manage your debit card within the digital banking app.

Additional Benefits:

Available in the weeks following the enhancement.

Mobile Wallet – Add your Exchange Bank debit card to Apple Pay^®, Samsung Pay^®, Google Pay^TM or Garmin Pay^TM.

Person-to-Person Payments – A new platform to quickly and instantly send and receive money with other individuals, whether you’re splitting a bill, paying a friend, or sending funds to family, making everyday transactions more convenient and secure than ever.

Online Account Opening – A new, more intuitive platform allowing for the opening of accounts from anywhere, anytime.

External Transfers – Gain greater control over your finances by seamlessly managing and moving funds between your Exchange Bank accounts and accounts you hold at other financial institutions, all from one convenient platform.

Business Digital Wire Transfers – Business customers can request access to initiate domestic wire transfers with enhanced ease and efficiency directly through our digital platform, providing a secure and streamlined way to send larger sums.

What to Expect?

The enhancement will occur Wednesday, August 5th - Monday, August 10th.
The bank will remain open during this time; however, there may be interruptions to digital banking. Stay tuned for more details!

What’s New

More efficient and user-friendly features for both online and mobile banking.
New debit cards with tap-to-pay and digital wallet capabilities.
and so much more!

We are dedicated to making this transition as simple and stress-free as possible for all our customers. Rest assured, our team is confident and prepared for this change and will do all we can to minimize interruptions to your banking.

In the meantime, please ensure Exchange Bank has your most up-to-date contact information, and we will be in touch with more information about this exciting upgrade.