Step-Up (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 you...


A savings account bearing interest at a preferential rate above the rate posted at the bank. Open with only $25.00 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 $cholars

It’s never too early to start saving for your higher education. The right place to start is National Exchange Bank’s Dollars for $cholars 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, co-signer may be required.
  • Apply for a National Exchange Bank & Trust Visa® Credit Card and start establishing credit. 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

2016 Step-Up Scholarship Winner Serena Grace Pritchard

Serena Grace Pritchard of Waupun has been awarded the 2016 Step-Up Scholarship from National Exchange Bank & Trust. She is the daughter of Thomas and Vilma Pritchard.

Pritchard graduated from Central Wisconsin Christian School at the end of this past school year and has been accepted at Carroll University to start classes this fall. She will be majoring in Marine Biology and minoring in Music.

In addition to her academic achievements, Pritchard has been an active member of the Math Team, National Honor Society, Band, Choir, Praise Band, Pep Band, Art Club and The Finer Things Club. She also studied Martial Arts for five years. Pritchard plays the violin and has been involved in many musical organizations, including the Wisconsin Youth Symphony Orchestras, Beaver Dam Area Orchestra and Madison Area Chamber Orchestra.

Pritchard was selected based on academics along with school and community involvement and her written plans to be “money smart” throughout her college career and beyond.

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