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    Cut-Off Times


    Deposits received during business hours on Monday – Friday will be treated as received that same day. Deposits received on Saturdays or when we are closed will be posted on the next business day we are open.


    The ATMs will process any deposit or transaction received before 2pm on the current days business.

    Bill Payment

    Payments will be processed twice a day Monday through Friday (excludes Saturdays, Sundays and holidays). Payments are processed at 2:00am CT and at 12:00pm CT. If you schedule a payment to be processed before 2:00am CT for payment that day, it will be processed at 2:00am ; subsequently, if you schedule a payment to be processed after that time, it is processed at 12:00 noon CT that same day. If you schedule a payment to be processed after 12:00 noon CT, it will be processed the next business day at 2:00am. For all entries made using the Services, the time recorded by the Online Banking service will be considered the official time of the transaction.

    Cash Management ACH Files

    Must be received by 3pm for processing/settlement the next business day. 

    Online Loan Payments

    Payments processed by 8pm CST will be credited the following business day. 

    Mobile Deposit

    Mobile Deposits made by 6pm CST will be credited on that day's business.

    What Do Our Neighbors Think?

    Exchange Bank & Trust offers us that small town flavor with a national reach.