Skip to main content Go to Online Banking

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

The 2022 Step-Up Scholarship Application is closed. Stay tuned for the recipients!

Congratulations to the two 2021 Step-Up Scholarship recipients, Meghan Schmitz and Cara Steiner.


Meghan Schmitz Step-up Scholarship WinnerMeghan Schmitz

Meghan Schmitz plans to attend UW-La Crosse to major in Biology and minor in Microbiology. She is the daughter of Kevin and Brenda Schmitz of Malone.

Schmitz recently graduated from New Holstein High School, where she had actively participated in soccer and poms. In addition, she has earned her CNA Certificate from Moraine Park Technical College to work as a Nursing Assistant, completed CCD and participated in Just 5 Days, an immersive program doing service work for five days in a row.

Outside of school, Schmitz works at Willowdale as a CNA, Blanck’s Supper Club as a waitress and at Burg’s Homes as a cleaner.

Cara Steiner Step-up Scholarship WinnerCara Steiner

Cara Steiner currently attends St. Norbert College in De Pere where she is working to earn a BBA in Accounting & Supply Chain Management. Steiner is the daughter of Mark and Debra Steiner of New Holstein.

Steiner is active at her college as the treasurer for the Ballroom Club. In addition to attending college, Steiner works on campus and continues to work two more jobs during school breaks.


Some content requires Adobe Acrobat Reader to view.