Exchange Bank Scheduler

Online Banking General FAQs

If you do not find an answer to your question(s) below, please contact us. We’d be happy to help you.

Q: Exactly what equipment and software do I need to access EB Online?

A: You’ll need an internet service provider, a modem (28,800 baud or higher is recommended), and browser software which supports 128–bit encryption. To upgrade to the latest version of your favorite browser, click on the appropriate icon below:

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Q: How current is the information displayed on the EB Online System?

A: A full extract of history and balance information is performed in the early morning hours Monday through Saturday. The system is then updated with transactions you conduct, such as branch deposits, ATM, and PIN based POS withdrawals frequently throughout the day.

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Q: If I forget my password or User ID and the system locks me out, what do I do?

A: Please contact us at 707.524.3000 or 800.995.4066. Our business hours are Monday through Friday, 7:00am to 6:00pm and on Saturdays from 8:30am to 2:30pm (Pacific).

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Q: What types of accounts are included in EB Online Banking?

A: You can access the following types of Exchange Bank accounts: Checking, Savings, Time, Loans, IRAs.

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Q: What information is available for each type of account?

A: Current balance and interest rate information is available for all types of accounts. Full account history detail is available for all checking and savings accounts.

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Q: What is the daily cut–off time for same day bill payments, loan payments, and account transfers?

A: 4:00 p.m. Monday through Friday.

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Q: What can customers do through Online Bill Pay?

A: You can:

  • Set up automatic payments for recurring bills of same amounts — like mortgage or cable TV.
  • Make simple payments for different amounts at different times — like the phone or utility bills.
  • Send money to any individual in the U.S.
  • Review upcoming scheduled payments and make changes or cancel them.

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Q: When does Exchange Bank take the money out of my account?

A: The money is withdrawn from your account on the day you’ve scheduled your payment to be sent.

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Q: What is the fee for Online Bill Pay?

A: Online Bill Pay is free.

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Q: Is Online Bill Pay secure?

A: The security and integrity of customers’ accounts and transactions are top priorities for Exchange Bank. The bank introduces online functionality only when we’re fully confident that the systems meet the level of security appropriate to safeguard our customers. Exchange Bank encrypts your Online Bill Pay sessions within our banking servers in order to provide you with the best available form of cryptography commercially available.

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Q: Can I use Online Bill Pay if I live outside the U.S.?

A: Yes. Exchange Bank now encrypts your Online Bill Pay sessions within our banking servers.

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Q: How does Online Bill Pay work for joint account holders?

A: To have a joint membership, both members must be joint signers on a checking account. Each member needs a unique password and user ID.

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Q: Can I view the payment history for a specific vendor?

A: In Payment History, you can view up to three months’ worth of history and six payments per payee.

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Q: Can I obtain the cancelled checks or proof of payment?

A: You’ll receive a reference number for every payment you schedule. This can be used to track payments in the Payment History screen. Otherwise, the proof of payment should be shown on the next bill you receive from the merchant.

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Q: What type of account do I need for Online Bill Pay?

A: Any Exchange Bank consumer checking account is acceptable.

Note: Exchange Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, Exchange Bank will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. We’ll also not be liable if there are insufficient funds or credit availability in your designated payment account and/or overdraft protection plan; if a legal order directs us to prohibit withdrawals from the payment account; if the payment account is closed or frozen; or if the Exchange Bank ATM or any part of the electronic fund transfer system isn’t working properly. Exchange Bank will not be liable for indirect, special, or consequential damages arising out of the use of Online Bill Pay.

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