Exchange Bank
Protect Your Money
Safe Banking Tips & Tools
Taking a few steps now can help prevent you from becoming a victim of financial fraud in the future.
new horizons travel club
Explore the world
Whether it’s a getaway or a bucket-list adventure, New Horizons Travel Club makes travel fun and easy.
Personal Loans
Flexible Personal Loans
At Exchange Bank, we’re here to help you finance the things that matter most—whether it's a new boat for weekends on the lake, a camper for family road trips, or a personal loan for unexpected expenses.
Exchange Investment Services
Secure your future
Whether you're planning for retirement, investing for growth, or securing your family's future, we’re here to guide you.
mortgage loans
Homeownership Made Easy
Whether you’re buying your first home, upgrading, or refinancing, we’re here to help. Exchange Bank makes home financing easy.
Business Loans
We’ll Help You Grow.
Whether you're starting up, expanding, or managing cash flow, Exchange Bank Business Loans provide the financing solutions you need to succeed.
Laura Poyner Promoted
Exchange Bank is proud to announce the promotion of Laura Poyner to Senior Vice President – City Executive – Commercial Loan Officer. Laura has been a driving force behind Exchange Bank’s success since joining in 2013. She has played a key role in expanding the bank’s presence in the Lake Oconee market, leading commercial lending efforts and driving loan growth.
Jessica Elliott Promoted
Exchange Bank’s Board of Directors and President & CEO John C. Childs, Jr., are pleased to announce the promotion of Jessica Elliott to Vice President of Accounting Operations. Over the past 20 years, Elliott has demonstrated exceptional growth and adaptability, advancing through numerous positions that showcase her versatility and commitment to excellence.
Terry Kennedy Promoted
Exchange Bank is proud to announce Terry Kennedy’s promotion to Chief Human Resources and Business Development Officer. Terry has been instrumental in strengthening workplace culture and driving business growth. In his expanded role, he will continue leading HR strategy while advancing business development efforts to support the bank’s mission.
Where Community Matters
Exchange Bank has proudly served Middle Georgia families and businesses across Milledgeville, Gray, and Lake Oconee since 1903.
Supporting local Causes
Keep Milledgeville-Baldwin Beautiful
Bank staff spent the day cleaning up litter to support KMBB.
Investing in Education
Investing in Education and the Future
Exchange Bank is committed to giving back to local schools and investing in the next generation.
Exchange Bank Awards Scholarship
Exchange Bank recently announced Caden Loyd as the recipient of its 2025 Baldwin County area scholarship. Caden, a graduating senior of Georgia Military College Preparatory School, was honored with the $1,500 scholarship by Exchange Bank President and CEO John Childs during GMC’s recent Senior Honors Night.
Banking with Purpose
At Exchange Bank, we understand that banking is more than just a financial transaction. We believe in building solid relationships with our customers, providing personalized service, and investing in the communities we serve.
Serving the Middle Georgia area, we are dedicated to supporting our communities through volunteerism, sponsorships, and partnerships with local organizations. We pride ourselves on our commitment to creating positive change in the areas we call home.