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Step-Up Program (Ages 13-25)

The Step-Up Program was created to help meet the financial needs of young people age 13 through 25. It’s a simple and effective way to help you achieve your goals and develop your financial independence.

The Step-Up Program Offers


A savings account bearing interest at a preferential rate above the rate posted at the bank. Open with only $25 and take up to 12 months to build to the $100 balance needed in order to continue with no service charge.


Financial steps are made easier as young adults learn to manage their money with a checking account. Earn rewards, such as ATM fee refunds and interest rate bonuses, for making sound financial choices with a Step-Up Checking Account. Plus carry out many transactions at home or while away at school with Exchange OnLine on a computer or via our mobile app.

Co-signer is required if under 18 years of age or at the discretion of the bank.

Dollars for Scholars

It’s never too early to start saving for your higher education. The right place to start is National Exchange Bank’s Dollars for Scholars savings plan.

Other Features

  • A personal line of credit may be available to protect against overdraft fees. A $250 line of credit is available to qualified applicants. A co-signer may be required.
  • Apply for a National Exchange Bank & Trust Visa® Credit Card and start establishing credit. A co-signer is required if under 18 years of age or at the discretion of the bank.
  • One-half percent discount on your first installment loan.

Step-up Scholarship

2020 Application PDF

2020 Application Word Doc

Congratulations to the two 2019 Step-Up Scholarship recipients, Emily Hockenhull and Marlee Halbach.

Emily Hockenhull Step-Up Scholarship WinnerEmily Hockenhull

Emily Hockenhull, daughter of Tom and Cindy Hockenhull of Howards Grove, will return to Lakeshore Technical College and Lakeland University this fall to continue earning credits towards a degree in Marketing.

Last semester, Hockenhull was a full-time student, worked part-time and was active on campus through Phi Theta Kappa Honor Society and Intervarsity Christian Fellowship and Business Professionals of America student organization.


Marlee Halbach Step-up Scholarship WinnerMarlee Halbach

Marlee Halbach is the daughter of Troy and Jaemy Halbach of Saint Cloud. She will be starting her college career at UW-Oshkosh this fall in pursuit of a Business major.

In addition to her academic achievements throughout high school, Halbach was a member of National Honors Society, Service Club, Forensics, the basketball team, and the soccer team.  Halbach has participated in both World Languages Day at UW-Madison and Fond du Lac Government Day.


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