Scammers are Spoofing a NEBAT Phone Number  & Impersonating Employees - Beware!

We've recently received reports of fraudsters spoofing a National Exchange Bank & Trust phone number and claiming to see unusual card charges from Walmart, Target and other stores. They are asking to "verify card information." If you receive a call, text or email, do not engage. DO NOT SHARE any information unless you start the conversation using a trusted and verified local number. Stay safe and vigilant!

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Steps Youth Financial Programs

Our youth financial programs are designed especially for our youngest neighbors. From birth all the way up to age 25, we’ll help you get your financial future off to a great start.

Steps Savings Steps Checking Dollars for Scholars

man and woman pushing a girl and a boy on a swingset

First Step (12 and Under)

If you are a parent, grandparent or godparent, here is an opportunity to show that special child in your life how much you care. Open a First-Step Account designed especially for children and young adults.

First-Step Newsletter

National Exchange Bank & Trust serves as a partner for both parents and children. Our First-Step Newsletter is a fun way to get kids started on the road to financial independence.

Latest Edition

Features

  • Preferential interest rate on a savings account with balances greater than $100.
  • Special events throughout the year.
  • No minimum balance for 12 months after account opening. (Minimum opening deposit is $25.)

a woman, girl, and dog piled up together on a sofa

First-Step Program contests

Design Your Own Jersey Contest: Help Spread the Word!

To enter, submit an image of the jersey design (with no people in the photo), along with the first name, last name, age and phone number of the artist. Submissions will be judged in age categories with one winner from each category: 0-4, 5-8 and 9-12. Entries will be shared on our Facebook page for public voting.

Entries must be submitted by Friday, May 15, 2026. Voting begins May 18 and goes through May 25, 2025. The winning jersey will be announced on NEBAT's Facebook page the week of May 25, 2026.

By submitting an entry, you agree to allow National Exchange Bank & Trust to publish your entry on the bank's Facebook Page and use in ongoing marketing. No banking relationship is necessary to enter the contest. National Exchange Bank employees and their immediate family members are not eligible to win. Limited to Wisconsin residents, one entry per person.

First Step Newsletter Enter the Contest 

snowman

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.

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.

Savings

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.

Steps Savings

Checking

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.

Step-Up Checking

Step-Up Scholarship

Congratulations to the two 2025 Step-Up Scholarship recipients, Olivia Bahr and Evan Casper!

Madison Hernandez PhotoOlivia Bahr

Olivia Bahr plans to attend UW-Oshkosh to major in nursing. She is the daughter of Christopher and Christine Bahr of Cedar Grove.  

Bahr recently graduated from Cedar Grove-Belgium High School. During her time in the Sheboygan area school district, she was active as a member of the volleyball, basketball and soccer teams, the National Honor Society (NHS) and the Cedar Grove-Belgium student leadership representatives.  

Outside of school, Bahr is an active volunteer for Holland Fest, her church and the Cedar Grove-Belgium Rocket Athletics concession stand. 

Michael Doll PhotoEvan Casper

Evan Casper currently attends UW-Stevens Point, where he is pursuing a bachelor’s degree in hydrology. He is the son of Kevin and Melissa Casper of Campbellsport.  

Prior to attending UW-Stevens Point, Casper graduated from Lomira High School and was active as a member of several clubs and organizations including Trout Unlimited, the National Honor Society (NHS), Pheasants Forever, the Dodge County Conservation Alliance and Ducks Unlimited. He currently works as a workday coordinator for Back Country Hunters and Anglers.  

 

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