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Golden Years Club (GYC)

If you have celebrated at least 55 birthdays, National Exchange Bank & Trust has a program just for you. The Golden Years Club (GYC) is the premier bank club for people age 55 and older.

The program offers many benefits including discounts, informational seminars and a top-notch travel club


  • Checking — no minimum balance or maintenance fee.
  • Check safekeeping — 3 free copies per month.
  • Exciting travel program and other events.

Additional Perks

PLEASE NOTE: Safe Deposit Box contents and Investment and Trust Services are NOT FDIC insured.


  • Members must be 55 or older.
  • You need to have a combined minimum balance of $1,500 (per qualifying member) at National Exchange Bank & Trust in any of the following personal deposit accounts:
    • Checking
    • Savings
    • IRA
    • Certificate of deposit
    • Money market account
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