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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 2022 Step-Up Scholarship recipients, Aileen Zenk and Dalton Casey.

Aileen Zenk - Step-up Scholarship WinnerAileen Zenk

Aileen Zenk plans to attend UW-Eau Claire to major in Communication Sciences and Disorders. She is the daughter of Joseph and Renee Zenk of Newton, Wisc.

Zenk recently graduated from North High School in Sheboygan, where she had actively participated in cross country, track and field, blue crew, key club, DELTA club and the National Honor Society.

Outside of school, Zenk has been active in the community as a vacation bible school group leader, an alter server, a faith formation teacher and a food pantry distributor. She was also a part of the People to People exchange program, played a role in the Living Stations of the Cross play, and was a participant in mission trip fundraising.

Dalton Casey - Step-up Scholarship WinnerDalton Casey

Dalton Casey of Campbellsport attends UW-Stevens Point where he is majoring in History and Social Studies Education for secondary education.

During high school, Casey was an actor and cast member for the Campbellsport CYO and a member of forensics with two state winning entries. In college, he became an honors ambassador for the honors program, administrative chair for the leadership team and a fencing member for UW-Stevens Point Falcons Gate.

Outside of school, Casey has been active in the community as a Eucharistic Minister and Sacristan for his local church, and a Senior Patrol Leader/Eagle Scout and Venture President/Adult Leader for the Boy Scouts of America.

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