What the portal covers
Three reference tracks sit under this index — Exchange Bank sign-in, the National Exchange Bank naming clarification, and a fees-and-routing readout on this same page.
Branch Readout
- Exchange Bank operates 17 staffed branches across Sonoma, Napa, and Marin counties.
- The Exchange Bank login portal accepts both consumer and small-business credentials on one entry screen.
- Routing prefix appears on the lower-left of every Exchange Bank paper check; wire routing differs from ACH routing.
- National Exchange Bank institutions carry different charters and are NOT affiliated with California Exchange Bank.
Exchange Bank login surface
Signing in to the Exchange Bank portal
The Exchange Bank login page handles consumer, business, and credit-card logins on one entry surface. Two-step verification is prompted on unrecognised devices.
Most members reach the Exchange Bank sign-in screen through the member-portal bookmark or by typing the Exchange Bank URL directly — never through a search result that might lead to a look-alike domain. The Exchange Bank login accepts the same credentials a member used when opening the account at a branch, and the recovery path relies on the phone number on file plus an e-mail token. Pass-through to bill pay, transfers, and statements happens after one sign-in, so repeat credential entry is rarely needed during a session.
The full Exchange Bank login walkthrough — including the two recovery branches, browser-cache notes, and session-timeout behaviour — lives on a dedicated page. Start there if a sign-in attempt has stalled.
Charter context
National Exchange Bank and community-bank context
National Exchange Bank is a name carried by several federally chartered institutions in the Midwest — distinct from California Exchange Bank. The reference page untangles the confusion.
A shopper searching for "Exchange Bank" will often land on results for a National Exchange Bank hit elsewhere in the country. The two naming patterns coexist because state-chartered banks and national-chartered banks can legally share similar common-noun names so long as the registered titles are distinct. The National Exchange Bank reference on this portal explains how to tell the charters apart, which regulator supervises which, and what a member should confirm before routing a payment.
If a paper statement or a transfer confirmation references "National Exchange Bank" and the account was opened with California Exchange Bank, something has been mis-routed — the reference page explains the usual causes.
Fee schedule
Fee schedule and routing at a glance
A current Exchange Bank fee schedule — monthly service charges, overdraft costs, outgoing wires, and the ABA routing prefix used on paper checks.
| Service | Fee | Waiver conditions |
|---|---|---|
| Basic Checking monthly | $5.00 | Waived on $500 min daily balance or direct deposit ≥ $250 |
| Overdraft item (paid) | $32.00 | One courtesy waiver every 12 months on request |
| Outgoing domestic wire | $25.00 | None; cut-off 3:00 pm Pacific |
| Outgoing international wire | $45.00 | None; cut-off 1:30 pm Pacific |
| Non-Exchange Bank ATM | $2.50 | Waived for Premium Interest Checking members |
| Stop-payment request | $30.00 | None |
| Paper statement (per month) | $3.00 | Waived with e-statement enrolment |
Numbers above are member-facing; every branch posts the same figures in lobby placards. Wire routing is different from ACH routing, and both differ from the institution code on a paper check — confirm the prefix inside the portal before initiating an outgoing payment for the first time.
Overdraft and stop-payment charges are the two line items that change most often across community banks, and the published figures here are what appears on statement cycles ending in the current quarter. If a recent statement shows a different overdraft amount, a courtesy-waiver request through the member-service line usually resolves the first occurrence without appeal.
Fee waivers are assessed at statement close, not in real time. A qualifying direct deposit that lands on the last business day of the cycle still satisfies the Basic Checking waiver for that month. Members who split direct deposits across two accounts should route the qualifying portion to the account where the waiver is needed.