Exchange Bank




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Protect Your Money

Safe Banking Tips & Tools

Taking a few steps now can help prevent you from becoming a victim of financial fraud in the future.
 
new horizons travel club

Explore the world 

Whether it’s a getaway or a bucket-list adventure, New Horizons Travel Club makes travel fun and easy.

Start your journey

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Personal Loans

Flexible Personal Loans

At Exchange Bank, we’re here to help you finance the things that matter most—whether it's a new boat for weekends on the lake, a camper for family road trips, or a personal loan for unexpected expenses. 
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Exchange Investment Services

Secure your future

Whether you're planning for retirement, investing for growth, or securing your family's future, we’re here to guide you.

Exchange Investment Services

mortgage loans

Homeownership Made Easy

Whether you’re buying your first home, upgrading, or refinancing, we’re here to help. Exchange Bank makes home financing easy.

Apply Online Today

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Business Loans

We’ll Help You Grow. 

Whether you're starting up, expanding, or managing cash flow, Exchange Bank Business Loans provide the financing solutions you need to succeed.

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Latest News & Announcements

 

Exchange Bank & Jo Jones Realty Partner to Fight Hunger with Second Harvest

This March, Laura Poyner, Keith Davis, and Laura Thompson went beyond sponsorship—they rolled up their sleeves and volunteered with Second Harvest for its March Food Distribution.

Exchange Bank of Lake Oconee and Jo Jones Realty & Company recently partnered to sponsor this month’s food drive, and we couldn’t be prouder of our team for taking it a step further to give back directly to those in need.

It’s moments like these that remind us what community is all about—showing up, lending a hand, and making a difference.

 

Celebrating Our Team: Milestones, Growth & Moments That Matter

At Exchange Bank, we believe our employees are the foundation of our success. We take pride in fostering a workplace culture built on teamwork, growth, and community involvement. Whether we’re honoring years of service or applauding new opportunities, we remain committed to supporting our employees as they grow with us. 


Laura Poyner Promoted

Exchange Bank is proud to announce the promotion of Laura Poyner to Senior Vice President – City Executive – Commercial Loan Officer. Laura has been a driving force behind Exchange Bank’s success since joining in 2013. She has played a key role in expanding the bank’s presence in the Lake Oconee market, leading commercial lending efforts and driving loan growth.

 

Meet Kayla Avant

Kayla Avant joins Exchange Investment Services, Inc. (EIS) as a Sales Assistant and Insurance Agent, bringing extensive experience in customer service and financial services. Kayla holds life and health insurance licenses and is working toward her securities licenses. Her dedication to client service and professional growth makes her a valuable addition to the Exchange Investment's team.

Terry Kennedy Promoted

Exchange Bank is proud to announce Terry Kennedy’s promotion to Chief Human Resources and Business Development Officer. Terry has been instrumental in strengthening workplace culture and driving business growth. In his expanded role, he will continue leading HR strategy while advancing business development efforts to support the bank’s mission. 

 

 

Committed to Our Community

At Exchange Bank, we believe in giving back. From supporting local schools to community programs, we’re dedicated to making a difference where it matters most. Learn how we’re investing in our community today.
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Supporting local Causes

Keep Milledgeville-Baldwin Beautiful

Bank staff spent the day cleaning up litter to support KMBB.


Investing in Education

Investing in Education and the Future

 
Exchange Bank is committed to giving back to local schools and investing in the next generation.
Georgia Heart Program

Exchange bank donated $120,000 to local hospitals

Exchange Bank’s mission is to serve our local communities. We are so proud of the incredible work of our hospitals and are excited to have the opportunity to redirect our income tax dollars to help them continue the wonderful work that they do.

Banking with Purpose

At Exchange Bank, we understand that banking is more than just a financial transaction. We believe in building solid relationships with our customers, providing personalized service, and investing in the communities we serve.

Serving the Middle Georgia area, we are dedicated to supporting our communities through volunteerism, sponsorships, and partnerships with local organizations. We pride ourselves on our commitment to creating positive change in the areas we call home.

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




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