Frequently Asked Questions

Yes! Your login email and password are still the same.  If you forgot your password, please click the Forgot Password link on the log in page.

If you started registration less than 7 days ago, you do not need to start the process again and can complete your registration through SecureExchange.com.

If more than 7 days have passed, your pending registration has expired and you should begin again at SecureExchange.com.

SecureExchange is a digital payments network that allows people and businesses to easily and securely send money to anyone or receive money from anyone with a U.S. bank account. An email address or mobile phone number is all it takes to transfer funds. It’s that simple!

The network is used by the nation’s top banks, and leverages existing bank accounts to transfer money directly. This means there’s no need to set-up or fund a separate account, and network users benefit from bank-level security and privacy. In plain English: we talk to your bank so they transfer your money with flawless efficiency. The network is accessible within network bank websites and apps, and available to anyone with a U.S. bank account through SecureExchange.com.

We need you to link your email or mobile number to your bank account; that way, you never have to share sensitive bank details again to receive money. We use that email or mobile phone number to direct any payments you receive into your bank account. You’ll also receive an instant payment notification every time someone sends you money.

To set up a SecureExchange profile on SecureExchange.com, you will need to have a U.S. address (U.S. territories included), a checking or savings account with any U.S. bank (that is not already a member of the SecureExchange network), and be at least 18 years of age. You must be authorized to use the bank account you register, and your financial institution must permit electronic funds transfers to and from the account.

See if your bank is listed among our network banks.

* Foreign bank accounts, and other types of payment accounts (such as prepaid cards, credit cards, etc.) are not eligible.

You will not be able to receive or send money through the SecureExchange network. If you have already been notified about a pending payment, then that payment will expire and no funds will be transferred.

SecureExchange network banks reach over 250 million people, so it’s likely your bank has already joined the network. If your bank is a network bank, you can use your current online or mobile banking service to send and receive payments.

See if your bank is listed among our network banks.

Good news – if your bank is not in the SecureExchange network, you can still use our service to receive payments by signing up right here at SecureExchange.com. Sign up now

Once you have logged in to SecureExchange, select “Manage Your Profile”. On the Manage Your Profile Settings page, you can add/delete/change:

Yes! You can send money to recipients if their bank is eligible to receive money from SecureExchange.com.

Just enter the recipient’s information in your SecureExchange.com profile and select ‘Add’. If the recipient is not eligible, we’ll let you know.

It’s a one-time security measure to ensure that you have access to that bank account.

Generally, trial deposits will be sent by SecureExchange and posted to your bank account within 2 business days. They will appear as two small deposits of less than $1.00. Look for trial deposits in the account activity of the bank account registered in your SecureExchange profile.

You must verify the trial deposits within 14 calendar days from the day we send them to your bank account. If you don’t, the process expires and you will have to start the account verification process again by initiating new trial deposits. Once you have verified your bank account with trial deposits, you can begin using SecureExchange.com to send payments or respond to payment requests (in addition to receiving payments).

Your recipient will generally receive the funds within five business days. Recipients can check with their bank to confirm receipt of the payment. If after that time the recipient still has not received it, please contact SecureExchange Customer Support.

Nope.

Usually within three business days after you set up your SecureExchange profile. Check with Customer Support if you haven’t received your payment within three business days after registering.

Yes, it’s secure. If you bank with a network bank, your sensitive financial information never leaves your bank. If you register with SecureExchange.com, your private information is protected by industry leading AES encryption when it’s stored and SSL encryption when you send it to us.  For more information about how we keep your personal information private and secure, please read our Privacy and Information Security Notice.

No. Payment recipients won't see your account number.

We want to make sure your information is as secure as possible. So, we ask for verification to ensure that only you, the rightful owner of the mobile number or email address, are using it. Protecting your privacy is our utmost concern, and this helps us ensure that only you can access your SecureExchange profile.

If you receive an email that looks like it’s from SecureExchange and you believe it may be fraudulent, or you are just unsure of its authenticity, we want to know about it. Please forward all such emails to abuse@secureexchange.com.