The simplicity of a check meets the convenience of your phone.

No third parties. No credit card. No signing up for yet another account.

Pay friends directly from your account to theirs.

You owe your friend for some tickets. You want to give your nephew some walking around money for his road trip. There are times when you want to transfer funds but a credit card doesn’t make sense.


For those times, there’s ExcheQ.

ExcheQ allows you to pay friends directly from your account to theirs. And it's a secure transaction between our bank and the recipient's—with no third party holding accounts or credit cards involved. And it really is easy.

As easy as sending a text.

When you want to pay someone, use ExcheQ's inttuitive design to send them a payment request with a text message. The payee will receive a message to securely enter their account information and accept the payment. Just like that, you've added a new payee for future payments! Your payment will be in their account in one business day or less.

No transaction fees from ExcheQ.

The ExcheQ app is supported on most smart phones and tablets and is available through iTunes and Google Play. For help getting started, contact a banker at the location nearest you. They'll be happy to help.

For more information about ExcheQ please call us at 651-636-9654 or email us at

Download on the App Store Get it on Google Play