Steps (Youth Financial Programs)

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

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!

Olivia 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.

Evan 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.