HELOC Application – EB Direct

Get Started
Housing
Personal
Income
Assets & Liabilities
Finalize

Home Equity Line of Credit

To apply, you acknowledge:

You are a legal US resident
You are at least 18 years old
You have a Social Security number
You have a qualifying credit score
You have a Government Issued ID
You have a mortgage or own your home free and clear.

Acceptable Government Issued IDs:

Driver's License
State ID card
Passport
Permanent Resident Card
Military ID card

An Exchange Bank Loan Officer will contact you within two business days to discuss the equity in your home and moving forward with your HELOC.

Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Get Started

Please enter your ZIP code.

Are you currently a customer with Exchange Bank?

Yes No

Have you started and/or submitted an online application with us before?

Yes No

Are you an employee of Exchange Bank?

Yes No

Please note that an Exchange Bank Loan Officer may contact you to verify your identity following the submission of your application.

Which Exchange Bank Branch would you prefer to work with?

Omaha, NE Lincoln, NE Grand Island, NE Gibbon, NE Kearney, NE Salina, KS Junction City, KS No Preference

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You may request disclosures in paper form at no costs by contacting Exchange Bank’s Electronic Banking Services by phone or email: electronicservices@eb-us.com or (844) 804-6947. Your consent applies to this application only.

Do you own your home?

Yes No

How much of your Home’s Equity are you requesting access to?

What are you hoping to accomplish with a HELOC?

Choose as many as you like Refinancing Debt Home Improvements Make a Large Purchase Covering Emergencies Other

Address of Collateral

Is this a Joint Application?

Yes No

Please enter your address information

Present Address

Since (Month & Year)

Have you lived at this address for two or more years?

Yes No

Mailing Address (If different from present address)

Your Former Addresses

From (Month & Year)

To (Month & Year)

Former Address 2

From (Month & Year)

To (Month & Year)

Former Address 3

From (Month & Year)

To (Month & Year)

Former Address 4

From (Month & Year)

To (Month & Year)

Do the above addresses & your current address equal at least two years (24 months) of living?

Please enter your contact information

Social Security Number

Why do we need your SSN? This information is used to access your credit report to determine eligibility. If you have questions please contact us: marketing@eb-us.com

Confirm Social Security Number

Date of Birth

Mother's Maiden Name

Citizenship Status

US Citizen Resident Alien Non-Resident Alien

City of Birth

Please upload an image of one form of your government issued identification

Choose file

Upload

Issued Date

Expiration Date

Document Issued by Country

ID Number

Please enter the following information

Applicant Role

Borrower Co-Signer Guarantor

Marital Status

Married Separated Unmarried (includes single, divorced, windowed)

Do you have any dependents?

Yes No

Joint Applicant Information

Please enter your contact information

Address

I have the same address as the primary applicant

Joint Applicant Information

Social Security Number

Why do we need your SSN? This information is used to access your credit report to determine eligibility. If you have questions please contact us: marketing@eb-us.com

Confirm Social Security Number

Date of Birth

Mother's Maiden Name

Citizenship Status

US Citizen Resident Alien Non-Resident Alien

City of Birth

Joint Applicant Information

Scan Driver's License

Choose file

Upload

Issued Date

Expiration Date

Document Issued by Country

ID Number

Joint Applicant Information

Applicant Role

Borrower Co-Signer Guarantor

Marital Status

Married Separated Unmarried (includes single, divorced, windowed)

Employment Status

Employed Retired Homemaker Self Employed Student Unemployed

Current Employer

Name & Address of Employer

Full Time?

Yes No

How long have you been at this employer?

Years

Months

Other Income

Notice: Alimony, Child Support, or Separate Maintenance Income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation

If you have nothing to enter, you can click "Next"

Joint Applicant Information

Employment Status

Employed Retired Homemaker Self Employed Student Unemployed

Joint Applicant Information

Current Employer

Name & Address of Employer

Full Time?

Yes No

How long have you been at this employer?

Years

Months

Joint Applicant Information

Other Income

Notice: Alimony, Child Support, or Separate Maintenance Income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation

If you have nothing to enter, you can click "Next"

Checking and Savings Accounts

Stock and Bond Assets

Life Insurance - Face Value

Real Estate Owned Assets

Vested Interest in Retirement Funds

Net Worth of Business Owned

If you have nothing to enter, you can click "Next"

Automobiles Owned

Other Assets Owned

If you have nothing to enter, you can click "Next"

Liabilities
To the best of your abilities, please add your liability information
(Debt you owe)

Child Support/Alimony/Separate Maintenance Owed to

Job Related Expense

If you have nothing to enter, you can click "Next"

Would you like to open a checking account?
A checking account with Exchange Bank is useful with an EB HELOC because you can access funds with ease, set up auto payments a manage your account online.

Yes No

Would you like a debit card?

Yes No

Would you like to add beneficiaries to your account?

Yes No

Your Beneficiaries

SSN

Congratulations! Fund Your Account!

Amount to initially fund your account

Select the method to fund your new account

Bank Transfer

Bank Routing Number

(The numbers on the bottom left of your check)

Confirm Routing Number

Bank Account Number

Confirm Account Number

(The numbers to the right of the routing number on your checks)

Transfer Account Type

Checking Savings

Acknowledgements

Authorization for micro deposit & withdrawal

I authorize Exchange Bank to make two micro deposits and one micro withdrawal to verify my account.

Please expect an email from an Exchange Bank Personal banker asking you to verify the micro deposit amounts. You will need to sign to authorize the final one time ACH transfer.

Deposit account agreement & Disclosures

I acknowledge that I received the deposit account agreement and disclosures and agree to them.

One Time Authorization

Amount: $0.00

By selecting One Time Authorization, I authorize an ACH debit to my checking or savings account, for the amount noted in this web form, to fund my new bank account(s). I understand that because this is an electronic transaction, these funds may be withdrawn from my account as soon as today.

Acknowledgements

In order to be eligible for a HELOC, credit will need to be pulled.

I acknowledge that my credit will be pulled.

Digital Signature

Clear Signature

Please note that an Exchange Bank loan officer may contact you shortly to verify your identity. Please provide the best number to reach you.

How did you hear about us?

Advertisement Internet search I'm a current customer An Exchange Bank customer Other

Thank You

Your application has been submitted and is under review.

Print this page for your records

What's Next?

Please expect an email from an Exchange Bank Personal banker asking you to verify the micro deposit amounts. You will need to sign to authorize the final one time ACH transfer.

For any questions or inquiries regarding your application, please contact us through the link below:

Home Equity Line of Credit

Acceptable Government Issued IDs:

Get Started

Are you currently a customer with Exchange Bank?

Have you started and/or submitted an online application with us before?

Please let us know why you are submitting another application.

Are you an employee of Exchange Bank?

Which Exchange Bank Branch would you prefer to work with?

Please enter your email address

Privacy Policy & Esign Consent

Please enter the code that was sent to your email.

Do you own your home?

What are you hoping to accomplish with a HELOC?

Address of Collateral

Is this a Joint Application?

Primary Applicant Information

Please enter your address information

Present Address

Have you lived at this address for two or more years?

Mailing Address (If different from present address)

Primary Applicant Information

Your Former Addresses

Former Address 2

Former Address 3

Former Address 4

Do the above addresses & your current address equal at least two years (24 months) of living?

Primary Applicant Information

Please enter your contact information

Primary Applicant Information

Social Security Number

Confirm Social Security Number

Date of Birth

Mother's Maiden Name

Citizenship Status

City of Birth

Primary Applicant Information

Please upload an image of one form of your government issued identification

Issued Date

Expiration Date

Primary Applicant Information

Primary Applicant Information

Please enter the following information

Applicant Role

Marital Status

Do you have any dependents?

Joint Applicant Information

Please enter your contact information

Address

Joint Applicant Information

Social Security Number

Confirm Social Security Number

Date of Birth

Mother's Maiden Name

Citizenship Status

City of Birth

Joint Applicant Information

Scan Driver's License

Issued Date

Expiration Date

Joint Applicant Information

Applicant Role

Marital Status

Primary Applicant Information

Employment Status

Primary Applicant Information

Current Employer

Name & Address of Employer

Full Time?

How long have you been at this employer?

Primary Applicant Information

Please Enter Your Past Employment Information We will need a two-year employment history

Name & Address of Employer

Full Time?

How long have you been at this employer?

Employer 2

Name & Address of Employer

Full Time?

How long have you been at this employer?

Employer 3

Name & Address of Employer

Please Enter Your Past Employment Information
We will need a two-year employment history

Please Enter Your Past Employment Information
We will need a two-year employment history

Liabilities
To the best of your abilities, please add your liability information
(Debt you owe)

Would you like to open a checking account?
A checking account with Exchange Bank is useful with an EB HELOC because you can access funds with ease, set up auto payments a manage your account online.