Exchange Bank

Couple on front porch.

Your Hometown Bank

Deeply involved in our local community and focused on exceptional customer service, we offer all the services and conveniences of a big bank without the big bank feel!

About Exchange bank
Woman paying with watch.

Payments with a tap

An electronic version of your physical wallet, allowing you to enjoy
transactions via your phone, tablet or watch. Use it at
any store that accepts mobile payments!

Digital Wallet Details
Young couple outside new home.

Let’s build your dream home

Building a new home to your exact specifications is one of the most
exciting and rewarding projects you could ever undertake. Let us
help you finance it!

Woman on phone outdoors.
self-service banking

self-service banking

Log in with Face ID or your fingerprint, and handle most banking transactions from your mobile phone – transfer funds, deposit checks, schedule payments and more. Mobile BankingMake a loan payment. Reorder checks.

Arial view of Croatia.
new horizons travel club

what is it?

Discounted group travel opportunities, as well as exceptional products and services to meet many or all of your financial needs. New Horizons Travel Club.

Man and woman walking on andalusia farm.
personal lending

consumer loans

Finance your next purchase, consolidate debt or build credit with a consumer loan. Explore Consumer Loans.

Four young ladies at metropolis.
premier investing services

It's best to invest

Help plan for your future goals, save and grow your investments. Investment Services.

Parents with two kids at home playing.
mortgage loans

mortgage options

Our online application process is conveniently designed to allow you to stop anytime and pick up where you left off. We're here to help you find the exact loan to meet your specific needs. Apply online.

Young ladies walking downtown shopping.
Personal checking solutions

checking options

All our Checking Accounts include the convenience of Internet Banking, Mobile Banking, Online Bill Pay and E-statements. We are constantly looking at ways to make our customer's lives easier through new technology and exceptional customer service.

We are just good people at Exchange Bank.

Missy Swicord, Vice President/Branch Manager of EXCHANGE BANK Northside, moved to Milledgeville in 1987 from Summerville, South Carolina and knew instantly that it would be her permanent home. Missy says, “The friendly manner in which we, Milly, as a community, embrace our visitors and transplants is impeccable and second to no other small community. We have it all, schools, colleges, universities, diverse community, and long-standing citizens that stand up for the right and the good of the people!”

A graduate from GCSU and student athlete, Missy is a 6 time All American – Gymnastics Athlete and was inducted into to the GCSU Athletic Hall of Fame in 2008. In 1999, Missy Graduated from the Georgia Bankers Association's Banking Operations School. In 2008, she Graduated Georgia Bankers Association's Banking School. Missy is currently Vice President and Branch Manager at Exchange Bank of Northside with 22 years of service to Exchange Bank.

In 2009, Missy accomplished her life-long dream of opening her own gymnasium. Through Lake Country Gymnastics, Missy works hard to grow not just great athletes but hard-working, dependable and self-disciplined citizens.
Deeply involved in our community, Missy currently is an active member of Milledgeville Exchange Club and serves as Chair of the Board for the Downtown Development Authority. Missy is a graduate of Leadership Baldwin and served as a Milledgeville-Baldwin County Chamber of Commerce Ambassador. Missy has served numerous boards in our community including: Family Connection, Community in Schools, Milledgeville Exchange Club, Downtown Development Authority.
Missy’s unique background and experiences grant her the ability to connect with customers in a way that makes them feel right at home.

Employee Highlights

CONGRATULATIONS Amanda Sanders, Main Office - Teller, for achieving 10 years of service at EXCHANGE BANK! We appreciate your hard work over the years and always serving our customers with a smile and warm welcome. 

Male President of Bank presenting award to female teller holding award in front of drive thru

CONGRATULATIONS John Kennedy, Bank Courier, on your retirement!  John brought with him an outstanding work ethic with efficiency, accuracy and professionalism each and every day. We wish John all the best on the next chapter of his life’s journey!
Two Men Shaking Hands

CONGRATULATIONS to Sherry Bishop, Senior Bookkeeper, for reaching a huge milestone in her career, 20 years at EXCHANGE BANK. Your ability to take on every task with utmost sincerity is inspiring. Thanks for all you do, Sherry!

CEO of Exchange Bank, male, presenting award to femal employe

Empty house entry.

Let’s build your dream home together

We make it easy to finance your new home with competitive rates, friendly service and guidance.

Couple at blackbird coffee.
SBA PPP REsponse

SBA and PPP Loans

Exchange Bank is proud to help our local business owners during the COVID-19 pandemic with our implementation of the Payroll Protection Program.

Photo of hands linked symbolizing a sense of community
STRONGER together


During the COVID-19 pandemic, Exchange Bank provided over 50 care packages to many local organizations.

Picture of Blocks with the words "Give Back" spelled out
United way of central Georgia

Exchange bank's united way campaign

Our employees are committed to supporting our local communities. Every year, our employees participate in payroll deduction donations throughout the year to help raise money for the United Way of Central Georgia. Each year more than $11,000 is donated by our employees. 

We Care About the Community 

Exchange Bank cares deeply about our community. We are constantly looking at how we can best support our local businesses, the Chamber of Commerce and non-profit organizations.  

Community Involvement

Best bank in town! I've tried almost every one. Their service stands out above all the others!
- Exchange Bank Customer Since 2008
Read more on our accessibility statement