Holiday Closing - Independence Day
Our offices with Saturday hours will be closed on Saturday, July 4, for Independence Day. Note: ACH, wires and mobile deposits do not get transmitted on federal holidays.
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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.
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.)
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.
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 Scholarship
Congratulations to the two 2026 Step-Up Scholarship recipients, Joseph Kalbacken and Hannah Stommel!
Joseph Kalbacken
Joseph Kalbacken plans to attend UW-Platteville to major in electrical engineering. He is the son of Kent and Pamela Kalbacken of Elkhart Lake.
Kalbacken recently graduated from Elkhart Lake-Glenbulah High School. Throughout his high school career, Joseph Kalbacken participated in National Honor Society, forensics, band, Model United Nations, student council and Leadership Day conferences, while also competing in robotics and participating in soccer, track and band, earning varsity letters and leadership recognition.
Outside of school, Kalbacken volunteered extensively with the Elkhart Lake-Glenbeulah Athletic Association, the American Red Cross, his church and through various community service efforts. He also serves as a youth soccer official, supporting skill development and sportsmanship among younger athletes. In addition, he works at the Osthoff Resort, where he assists with kitchen operations, trains new employees and supports customer service.
Hannah Stommel
Hannah Stommel currently attends Concordia University – Wisconsin, where she is double majoring in physical education and exercise science. She is the daughter of Sharon Stommel and the late John Stommel of Eden.
A graduate of Campbellsport High School, Stommel was actively involved throughout her high school career in 4-H as a long-time member and secretary, as well as the Fond du Lac County Teen Leaders Association and Adult Leaders Association, where she held leadership roles including president, secretary and youth representative. She served as captain of the varsity soccer team and participated in club soccer, while also being involved in National Honor Society, Spanish Club, Art Club and a freshman mentoring program.
Her community involvement includes volunteering as a meal server at Hospice Home of Hope, and she gained work experience as a youth soccer referee. She currently works as a peer advisor in the Academic Advising Office at Concordia University – Wisconsin.
