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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

Congratulations to the two 2018 Step-Up Scholarship recipients, Emily Fraser and Morgan Paul.

The 2019 Scholarship Application window is now open.
2019 Step-Up Scholarship Application
2019 Step-Up Scholarship Application

Morgan Paul Step-Up Scholarship WinnerMorgan Paul

Morgan Paul, daughter of Richard and Tina Paul of Randolph, will return to the University of Wisconsin in Madison this fall to continue earning credits towards a degree in Pre-Pharmacy.

In her first year of college, Paul was a full-time student, worked part-time and was active on campus through the University of Wisconsin-Madison Women’s Club Basketball, Pre-Pharmacy Club and Chi Alpha. She also volunteered for the 5K Homecoming Run, Haunted 10K Run and SSM Health Madison Marathon.


Emily Fraser Step-up Scholarship WinnerEmily Fraser

Emily Fraser is the daughter of Kenneth and Michele Fraser of Coloma. She will be starting her college career at UW-Oshkosh this fall to study Japanese and Graphic Design.

In addition to her academic achievements throughout high school, Fraser participated in band, art club and Spanish club. She also volunteered for Bowls for Hunger by making ceramic bowls.


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