Homeownership is Possible!
Funds for the 2025 Downpayment Plus grant program through the Federal Home Loan Bank Chicago are now available, and NEBAT can help you determine eligibility. Learn more.
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| Free Checking | Relationship Checking | Step-Up Checking | Personal Interest Checking | Money Market Investment | |
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| Free Exchange OnLine |  |
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| Free Exchange Line | |
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| No annual fee CheckCard with ScoreCard Rewards or ATM Card | |
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| Free Check Safekeeping with no charge for up to 3 copies of checks | |
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| No minimum balance with a NEBAT Mortgage Loan | |
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| No minimum balance with a monthly minimum direct deposit | |
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| Unlimited Check Writing | |
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| Free Exchange OnLine Bill Pay | |
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| Reduced annual fee on personal line of credit | |
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| Interest paid on balance | |
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| Interest that fluctuates with account balance | |
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| No minimum balance to maintain | |
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| Overdraft Privilege | |
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| Eligible for account specific rewards, such as ATM fee refunds | |
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| Learn More | Free Checking |
Relationship Checking |
Step-Up Checking |
Personal Interest Checking |
Money Market Investment |
What Account Is best for me?
We can recommend a checking account type for you. Please provide some basic information about yourself.
Privacy Note: The information you provide is not sent to nor stored by National Exchange Bank & Trust.
* All fields are required.
My age is...
Overdraft Protection
Have you ever...
- Made a mistake in your checkbook?
- Forgotten to record a deposit? A purchase? A withdrawal? A check order?
- Had to “guess” at what transactions a joint owner has made?
- Had a transaction denied or turned down at checkout?
- Had the embarrassment and expense of a returned check?
We understand that mistakes and unexpected expenses happen that create a time when a transaction you authorize exceeds the funds in your account. To protect you from checking account overdrafts we offer a number of options.
Savings Transfer
Link your savings to your checking account and funds are automatically transferred in $100 increments to bring the balance above $0.
Personal Line of Credit
Your own pre-approved loan that automatically transfers money to your checking account when transactions exceed your balance.
Overdraft Privilege (ODP)
Rather than automatically returning unpaid, all insufficient funds items that you may have, we will consider payment of your reasonable overdrafts up to your assigned ODP Limit. ODP is a privilege on qualifying National Exchange Bank & Trust checking accounts. You do not have to apply for this service. It is already a part of many checking accounts with us.
To opt-in to have ODP service applied to everyday CheckCard transactions, please submit the opt-in form.
Personal Check Reorders
Great check styles and the quality you trust are delivered to your door when you conveniently reorder your checks online. Click the icon below to reorder Deluxe checks. Deluxe is our preferred check printer. You will be securely transferred to their check ordering website.
For your security, information changes can’t be made when using the online tool. However, you may select a new style. For updates to your personal information, please contact your local office.
