Lobbyless Banking


EXCEL lobbyless banking allows you to have access to your accounts anytime…from anywhere. Pay bills, deposit checks, transfer money or even apply for loans on your schedule without visiting a branch!

Login to Online Banking from any computer or tablet and manage your finances quickly. With a few clicks, you can:

  • View your account and transaction history
  • Transfer funds between your EXCEL accounts
  • Pay one time or recurring bills
  • Make loan payments
  • Verify cleared checks
  • View your eStatements

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Who doesn’t have a smart phone in their hand, or nearby? Download the EXCEL app and enjoy control of your finances at your fingertips – literally! You can even deposit your checks as easily as you post your selfie, just a quick tap and snap. Plus, with mobile banking, you can:

  • View your accounts and transaction history
  • Deposit your checks
  • Transfer funds between your EXCEL accounts
  • Send P2P payments to friends and family
  • Pay one time or recurring bills
  • Apply for a loan
  • Make loan payments

Download the EXCEL app from GooglePlay or the AppStore.

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Can you post a selfie? Then you can deposit a check! Simply download the EXCEL app for free from the App Store or GooglePlay and you’re ready to make your deposit! Don’t have a smart phone? You can also use a scanner to submit an image of the check to Online Banking on your computer.

For members with a smart phone and Online Banking, mobile deposits are as easy as 1, 2, 3!

Using your smart phone, download the free EXCEL app from the GooglePlay or App Store.

  1. Login using your Online Banking username and password and click on the “DeposZip® Remote Deposit” tab. When using for the first time you’ll be asked to agree to the terms and conditions first.
  2. Follow the prompts to take a photo of the front and back of your check to deposit. Make sure you’ve endorsed the back of the check.

Mobile Deposit Disclosure

Don’t have a smart phone or prefer not to download an app? No problem! You can also deposit checks using a computer and scanner.

  1. Login to Online Banking and click “Online Services”.
  2. Select “DeposZip® Remote Deposit” in the dropdown menu.
  3. Follow the instructions provided to scan and upload a photo of your endorsed check.

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Have an Online or Mobile Banking account? Save time by securely scheduling all your payments in one centralized view. From recurring bills such as your mortgage, car payment and utilities, to one-time bills for repairs, medical costs and more, you can pay them all from one easy place.

  • Set up automatic recurring monthly payments
  • Schedule individual, one-time payments
  • View your bill pay history
  • Keep track of your payee information

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Away from your computer or smartphone and need to check in? MoneyLine allows 24-hour access to your EXCEL accounts from anywhere!

Atlanta Area call (770) 441-9235
Outside Atlanta call (888) 441-9235

Simply give us a call, follow the voice prompts to select MoneyLine and have your account number and password ready. With MoneyLine you can:

  • Check account balances
  • Request withdrawal by check
  • Review recent transactions
  • Confirm cleared checks
  • Make EXCEL loan payments
  • Find out dividends earned

Sign me up! View Accounts

Like what you see and want to make it official? You can join EXCEL with just a $5 deposit into your share account! Then you can select which checking account meets your needs or plan for the future with an investment account.

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Already have an account and looking to open another? We love your loyalty! To add additional accounts such as savings, checking or investments, we'll make it easy!

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Have a question or need assistance? Shoot us a text or give us a call!