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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

The 2021 Step-up Scholarship is now available. Step-up members are invited to submit an application any time between now and Wednesday, March 31, 2021.

2021 Step-up Scholarship Application PDF

2021 Step-up Scholarship Application Word Doc

Congratulations to the two 2020 Step-Up Scholarship recipients, Catrin Homuth and Lilly Diedrich.

Catrin Homuth Step-up Scholarship WinnerCatrin Homuth

Catrin Homuth currently attends the University of Wisconsin-Milwaukee at Washington County where she is majoring in Graphic Design. Homuth is the daughter of Bradley and Gail Homuth of Campbellsport.

Homuth is active at her college as a middle blocker for the volleyball team and the treasurer for Gender & Sexuality Awareness (GSA).

In addition to attending college, Homuth holds two jobs. She works at Dairy Queen in Kewaskum and Starbucks in West Bend. 

Lilly Diedrich Step-up Scholarship WinnerLilly Diedrich

Lilly Diedrich plans to attend the University of Wisconsin-Oshkosh with the career goal of becoming an Educational Lawyer. She is the daughter of Todd and Mary Diedrich of Fond du Lac.

Diedrich was very active while in high school as a member of the cheer team, Key Club, Math Club and Servant Leadership. She was also a part of the dance team where she was a captain.

Outside of school, Diedrich volunteered in the community at the Boys & Girls Club, The ARC of Fond du Lac and at her church as an altar server.


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