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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 & Trust’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

Congratulations to the two 2023 Step-Up Scholarship recipients, Lakely Kloetzke and Kaylee McCarty.

Kaylee McCarty - Step-up Scholarship WinnerLakely Kloetzke

Lakely Kloetzke plans to attend Fox Valley Technical College to major in Dental Hygiene. She is the daughter of Jaime Kloetzke of Rosendale.

Kloetzke recently graduated from Laconia High School in Rosendale, where she had actively participated in basketball, softball, track and field, volleyball and the National Honor Society.

Outside of school, Kloetzke has been active in the community by volunteering at a clean-up day for the elderly and working as a dog caretaker at Curve Crest Kennels.

Dalton Casey - Step-up Scholarship WinnerKaylee McCarty

Kaylee McCarty currently attends Concordia University of Wisconsin where she is majoring in Psychology and minoring in Athletic Coaching and Social Science. She is the daughter of Steve and Kelly McCarty of Adell.

During high school, McCarty was active as a member of yearbook, a varsity cheerleader, a golf instructor assistant, a part of summer musicals and the head of fundraising for student council. During this time, she was a Herb Kohl Finalist and a recipient of the Global Education Certificate as well. In college, she became involved in Psych Club and the co-chair of student affairs for the student government association.

Outside of school, McCarty has been active volunteering for psych service projects, collecting food for the local food pantry, collecting supplies for Casa Guadalupe and making Christmas Cards for the Samaritan Home.

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