Exchange Bank & Trust on Your Credit Report
In short: Based in Atchison, Kansas, Exchange Bank & Trust is a state-chartered commercial bank that is not a member of the Federal Reserve System. Its FDIC record is certificate 4619, with a charter date of January 1, 1856. That makes it a pre-Civil-War charter, so its reporting history predates most of the systems that now carry it. The 06/30/2026 call report puts total assets at $627 million, spread over 10 FDIC-reported offices. Lending from its own balance sheet makes Exchange Bank & Trust the furnisher of record rather than an assignee, so your FCRA §623 dispute reaches the institution that actually holds the account documents. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Exchange Bank & Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Exchange Bank & Trust appears in the FDIC's institution directory as certificate 4619, a pre-Civil-War charter established January 1, 1856 in Atchison, Kansas, now reporting $627 million in assets over 10 offices on its 06/30/2026 call report.
How Exchange Bank & Trust appears on your credit report
Exchange Bank & Trust furnishes its own tradelines as the original creditor, which matters for how you write. A 10-office community bank rarely has a dedicated disputes department, so precision in your letter does more work than volume. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Deposit-secured and consumer installment credit written in-branch
- ◆Mortgage and home-equity credit originated in the Kansas market
- ◆Overdraft lines and deposit-linked credit tied to Exchange Bank & Trust checking accounts
Grounds to dispute a Exchange Bank & Trust entry
Each of these is a reason a Exchange Bank & Trust tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Exchange Bank & Trust
- ◆Charge-off reported by Exchange Bank & Trust after the account was settled in full
- ◆The same Exchange Bank & Trust loan appearing twice after a branch or system consolidation
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Exchange Bank & Trust is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Exchange Bank & Trust has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Exchange Bank & Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Exchange Bank & Trust questions, answered
Is Exchange Bank & Trust FDIC-insured, and what is its certificate number?
Yes. Exchange Bank & Trust holds FDIC certificate 4619. The FDIC record shows a charter established January 1, 1856, headquarters in Atchison, KS, and 10 FDIC-reported offices with $627 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state banking regulator.
Who regulates Exchange Bank & Trust, and where do I escalate if a dispute fails?
Exchange Bank & Trust is a state-chartered commercial bank that is not a member of the Federal Reserve System, so its primary oversight runs through the FDIC and its state banking regulator. If a dispute with the bank and the bureaus does not resolve an inaccuracy, you can file a complaint with the Consumer Financial Protection Bureau, and you retain a private right of action under FCRA §§616–617. Escalating does not require a third party — you can do all of it yourself at no cost.
How many credit-card complaints does the CFPB show against Exchange Bank & Trust?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Exchange Bank & Trust exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can an Exchange Bank & Trust charge-off stay on my credit report?
A charged-off Exchange Bank & Trust account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date Exchange Bank & Trust charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with Exchange Bank & Trust and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Exchange Bank & Trust's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Exchange Bank & Trust tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Exchange Bank & Trust report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Exchange Bank & Trust's own arrangements. A lender with 10 offices and $627 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding an Exchange Bank & Trust account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Exchange Bank & Trust was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Exchange Bank & Trust migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten.
Can I dispute Exchange Bank & Trust reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Exchange Bank & Trust naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Exchange Bank & Trust reporting?
Three fields decide how long an item lasts and how heavily it weighs: date of first delinquency, account status, and high balance or credit limit. On this charter, a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. Compare each against your own statements before writing, because a dispute that names one provably wrong field resolves far more often than a general request to remove the account.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Exchange Bank & Trust; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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