Mobile Deposit Now Available

In order to take advantage of Mobile Deposit, you must be signed up for Internet Banking, Mobile Banking and have downloaded the Exchange Bank App onto your device from the Apple or Android App Store. 

To Use Mobile Deposit:

  1. In your Exchange Bank App, tap "Remote Options."
  2. Snap a picture of the front of your check. (Make sure the check is flat against a solid surface and well lit.)
  3. Snap a picture of the back of your endorsed check, with "Mobile Deposit Exchange Bank."
  4. Tap the account to receive the deposit.
  5. Enter the amount you wish to deposit.
  6. Tap "Deposit." 

For more information, view the Mobile Remote Deposit Service Disclosure & Agreement. 

Frequently Asked Questions About Mobile Deposit 

What is Mobile Deposit? 
Mobile Deposit is a service provided to our Internet Banking and Mobile Banking customer at no additional cost. The service allows you to remotely deposit original paper checks electronically using any Android or Apple mobile device. Access to the Mobile Deposit service is subject to approval and can be revoked at the discretion of Exchange Bank. 

What types of checks can I deposit?
You can submit personal checks, business checks, or Federal checks as long as they are payable to you. However, you can NOT submit checks payable to any person or entity other than you, savings bonds, money orders, foreign, traveler checks, counter checks or substitute checks. 

When will my funds be available? 
Deposits submitted before 5:00 PM ET on a business day generally will be available by the next business day. Deposits submitted after 5:00 PM ET or on any day Exchange Bank is not open including Federal holidays, will be considered deposited on the next business day we are open. We will notify you if we delay your ability to withdraw funds for any reason and we will tell you when the funds will be available. 

What should I do with my check after I’ve deposited it? 
After you receive confirmation that we have received an image, you must securely store the original check for 10 business days in case we need to review it for any reason. After you have confirmed the deposited funds have been applied to your account correctly, write “VOID” on the face of the check, then shred and dispose.

What are my deposit limits? 
Your daily total deposit amount cannot exceed $2,500.00 or 5 transactions per day, not to exceed a monthly total deposit amount of $12,000.00 or 25 transactions per month. 

What mobile device software must I have to use Mobile Deposit? 
Mobile Deposit is supported on Android mobile devices running Andorid 4.1 and above and on Apple mobile devices running iOS 7 and above. 

Sign up for Internet Banking 

To sign up for Internet Banking, you must see a Customer Service Representative at any of our five convenient locations (Milledgeville, Gray, Lake Oconee) or call 478-452-4531.

Sign up for E-Statements 

You must be an Internet Banking customer to obtain E-Statements.

Log on to internet banking, choose “E-Statements” and follow the prompts.

“Sign-Up/Changes” Tab:
You will see a list of accounts and document types that are available for enrollment in electronic delivery. You may place a check next to any document you wish to enroll or place a check next to any account(s) in which you wish to enroll all documents. If you uncheck any document or account, you will be un-enrolled in electronic delivery for those applicable documents and/or accounts. No selections will be saved until you select the "Save Settings" button.

Note: Accounts and documents shown with a gray checkbox denote that they have already been enrolled. These may include joint and/or combined accounts and documents already enrolled by another account holder.

“E-Mail Settings” Tab:
Enter your e-mail address and a security phrase. The security phrase is intended to assure our customers that any e-mailed statements or notices have indeed originated from our financial institution. If the security phrase does not appear within any e-mail related to a statement or notice reported as coming from our financial institution, do not submit any sensitive information such as User Id or Password.

Note: Please report any suspicious e-mails to our Customer Support Center as soon as possible. These measures are being taken to protect our customers from a fraudulent Internet scamming method known as “Phishing”. Phishing describes the act of sending an e-mail to a user falsely claiming to be a legitimate enterprise in hopes of scamming the user into surrendering sensitive information that will be used for identity theft.

“Additional Recipients” Tab:
You currently have no Additional Recipients. Please be aware that additional recipients will see your check images and security phrase. Username is the log-in name the additional recipient will use when signing in to view the statement and/or document. It may not contain spaces or special characters. The Access Pin is the recipient's password and must be between 8 and 12 characters in length, containing both alpha and numeric characters. It is case sensitive and will expire every 6 months.

You will now begin receiving your E-Statements as you requested.


Please visit our privacy policy to see how we protect your information.