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 2024 Step-Up Scholarship recipients, Madison Hernandez and Michael Doll!

Madison Hernandez

Madison Hernandez plans to attend UW-Madison to major in Psychology. She is the daughter of Adam Engles of North Fond du Lac and Elana Hernandez of Fond du Lac.

Hernandez recently graduated from Fond du Lac High School in Fond du Lac. During her time in the Fond du Lac school district she actively participated in Science Technology Engineering and Math (STEM) Student Council, the National Honors Society (NHS), and Fond du Lac High School (FDLHS) Student Council.

Outside of school, Hernandez has been active in the community, working as a barista for Uba Brews and Blends as well as Annie’s Fountain City Cafe. She also helped pass a “Trap-Neuter-Return” ordinance for the City of Fond du Lac and became co-founder of STEM TV.

Michael Doll

Michael Doll currently attends St. Norbert College where he is majoring in Theology. He is the son of Kevin and Dawn Doll of Mt. Calvary.

Prior to attending St. Norbert, Doll was active as a member of home school performing arts club, Schoenstatt Boys Youth, and 4-H. In college, he has become involved in Frassati College Catholic Men’s Group and Knights for Life.

Outside of school, McCarty has been a volunteer for Shepherd of the Hills Parish and St. Norbert College Parish. Additionally, he works as a cashier for Fleet Farm and in the cafeteria at St. Norbert College.