A reference to the alerts an Exchange Bank customer can set: balance thresholds, large-transaction notices, card-present and card-not-present alerts, ATM activity, and the international indicator that catches most travel surprises.
A balance threshold alert fires when an account drops below a dollar number the customer picks, or rises above one. Most customers set a floor that lines up with their usual month-end safety cushion and leave it alone. The alert then only appears when a payment cycle goes unusually deep, which is the condition worth paying attention to. Customers who travel on a different cash-flow pattern often add a second threshold aligned with a trip budget.
The companion is the available-balance alert, which watches the funds the customer can spend today rather than the posted balance. On a checking account with a large pending deposit, the two numbers differ by days. Available balance catches overdraft risk earlier, which is why a low-available-balance alert is the one many customers keep for life.
A large-transaction alert fires when any debit above a picked threshold posts or authorizes on an account. Customers set the threshold at whatever feels unusual for their baseline — a few hundred dollars for a retail checking, several thousand for a business operating account. If a posted debit of the right shape turns up in the alert without the customer remembering the charge, the alert is the opening move on a dispute and a card replacement.
Alert fatigue is the biggest reason people turn off notifications. Start with a low-balance alert below the customer's usual month-end float, a large-transaction alert a little above the typical single-ticket spend, and a card-not-present alert that covers online purchases. Three alerts, set once, is enough signal without constant noise.
Card alerts split into a few useful buckets. Card-present means the physical card was swiped, dipped, or tapped. Card-not-present covers online orders, phone orders, and recurring subscriptions. ATM withdrawals sit in their own bucket because the fraud patterns are different — a stolen card used at a sparse ATM is a classic signal. International transactions are the fourth bucket and the one most travelers rely on: when a purchase posts in a country other than the card's home country, the alert fires.
| Alert type | Trigger | Channel | Typical use |
|---|---|---|---|
| Low available balance | Drops below threshold | Push, email | Overdraft early warning |
| High balance | Rises above threshold | Deposit confirmation | |
| Large debit | Single item above threshold | Push, SMS | Fraud detection |
| Large credit | Single item above threshold | Deposit confirmation | |
| Card-present | Swipe, dip, or tap | Push | Lost-card detection |
| Card-not-present | Online or phone order | Push | Subscription oversight |
| ATM withdrawal | Cash taken at ATM | Push, SMS | Cash-pattern monitoring |
| International | Foreign-country purchase | Push, email | Travel awareness |
Consumer guidance on the dispute window for unauthorized electronic transactions is summarized at the CFPB consumer tools library. The FTC consumer advice on protecting personal information pairs well with any alert setup because strong alerts and strong credential hygiene belong together.
Sign-in entry points are at the exchange bank login page, the login help-guide, and the security center. Digital siblings include online banking, mobile banking, bill pay, wire transfers, and mobile check deposit. Account references include personal checking, personal savings, money market accounts, personal credit cards, home mortgages, and auto loans. Business readers move to business checking, business savings, merchant services, treasury management, SBA loans, and commercial real estate. Overview anchors live at about Exchange Bank, leadership, help resources, and contact us.
"Three alerts and that is all I need. A low-balance push, a large-debit push, and an international alert for travel. They run in the background and I sleep well."
Amara Nwankwo Pediatrician · Nwankwo Pediatrics, Sebastopol, CA
"The large-debit alert caught a duplicate charge from a vendor in the same minute it posted. I had the dispute in motion before lunch."
Dmitri Volkov Farmer · Volkov Family Farm, Geyserville, CA
Alert setup lives in the alerts area of online banking and the mobile banking app. Customers pick the account, pick the alert type, set the threshold or trigger, and choose a delivery channel — email, SMS, or push notification in the app.
Exchange Bank does not charge for account alerts themselves. Standard mobile carrier rates apply to SMS delivery, which is why most customers switch to push notifications in the app once they have installed it on a primary phone.
Alerts are a fast early warning, not a substitute for reading statements. A balance alert can miss a problem that only shows up when the customer reconciles a statement against receipts, so alerts and monthly review work together.
Yes. Card-activity alerts split into categories including international transactions, ATM withdrawals, online or card-not-present transactions, and in-person purchases above a threshold. Customers typically enable the categories that match their travel and spending patterns.