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  National Exchange Bank & Trust Relationship Checking

National Exchange Bank & Trust Relationship Checking

in Checking Accounts from National Exchange Bank & Trust · Member fdic

Unaffiliated

National Exchange Bank & Trust Relationship Checking

Unaffiliated

in Checking Accounts from National Exchange Bank & Trust · Member FDIC

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Highlights
Monthly Fee $5
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee $500
APY (Annual Percentage Yield) N/A

National Exchange Bank & Trust Relationship Checking Review

National Exchange Bank & Trust Relationship Checking is offered by National Exchange Bank & Trust, a bank founded in 1933 and based in Fond du Lac, WI. National Exchange Bank & Trust Relationship Checking is available in 1 state across the USA.

Key Takeaways
  • Charges a monthly fee. This account charges a monthly maintenance fee of $5, but the fee is waived if you keep a minimum balance of $500.
  • $50 minimum deposit. This account requires a higher minimum initial deposit than most of the accounts we track.
  • Free bill pay. Pay your bills to practically anyone in the United States through National Exchange Bank & Trust.
  • Hard credit pull. National Exchange Bank & Trust may require a hard pull on your credit report to open a checking account.
National Exchange Bank & Trust Relationship Checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not earn interest.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
National Exchange Bank & Trust Relationship Checking FAQ

Are checking accounts from National Exchange Bank & Trust federally insured?

Yes, your National Exchange Bank & Trust checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #10044). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does National Exchange Bank & Trust Relationship Checking offer?

National Exchange Bank & Trust Relationship Checking is not an interest bearing account.

What are the account minimums for National Exchange Bank & Trust Relationship Checking?

National Exchange Bank & Trust Relationship Checking requires a minimum initial deposit of $50 to open an account.

National Exchange Bank & Trust Relationship Checking Account Minimums
Description Amount
Minimum Initial Deposit $50
Minimum Combined Balance to Avoid Monthly Fee $1,000
Minimum Balance to Avoid Monthly Fee $500

What fees does National Exchange Bank & Trust Relationship Checking charge?

The good news is that this account does not have a monthly service charge.

National Exchange Bank & Trust Relationship Checking Fees
Description
ATM Reimbursement Monthly Limit $3
Check Image Service $5
Debit Card Replacement Fee $10
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $5
Online Bill Pay Fee $0
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $35
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $1

What features and perks does National Exchange Bank & Trust Relationship Checking offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - National Exchange Bank & Trust Relationship Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - National Exchange Bank & Trust Relationship Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

Other Services by National Exchange Bank & Trust

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Availability

  Available in 1 state
Wisconsin
Availabile in all of Wisconsin

Feature Breakdown

Minimum Combined Balance to Avoid Monthly Fee $1,000
Minimum Initial Deposit $50
Minimum Balance to Avoid Monthly Fee $500
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $3
Check Image Service $5
Debit Card Replacement Fee $10
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $5
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $35
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $25
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $1
Bank Account Features
  • FDIC Member
  • Check Writing
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • Check Images with Statement
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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