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  National Exchange Bank & Trust Relationship Checking
National Exchange Bank & Trust Relationship Checking Unaffiliated

National Exchange Bank & Trust Relationship Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) N/A
Monthly Fee $5
Minimum Balance to Avoid Monthly Fee Starting at $0

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 are available in 1 state across the USA.

Key Takeaways

  • $0 monthly account fees available. This account charges a monthly service fee of $5.
  • Bill pay. Pay your bills to practically anyone in the United States through National Exchange Bank & Trust.

National Exchange Bank & Trust Relationship Checking Pros & Cons

Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • 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 deposits 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 Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $1,000

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
Monthly Fee $5
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
ATM Reimbursement Monthly Limit $3
Foreign Transaction Fee (Debit Card) 1%
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
Online Bill Pay Fee $0
Check Image Service $5
Debit Card Replacement Fee $10
Early Account Closure $25

Does National Exchange Bank & Trust Relationship Checking charge overdraft fees?

Yes, National Exchange Bank & Trust Relationship Checking charges a $35 fee for every overdraft. You can get overdraft protection at a cost of $35 per transaction.

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 unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online 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 or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for National Exchange Bank & Trust Relationship Checking?

The customer support email for National Exchange Bank & Trust Relationship Checking is businessbanking@nebat.com.

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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.

Message From National Exchange Bank & Trust Relationship Checking

You have a choice of simple options that meet your needs. And it’s not just about checks anymore. A CheckCard with Rewards, Online Banking, Bill Payment and more are great add-ons!

Relationship Checking offers you free, unlimited access to all the features of Exchange OnLine (electronic banking) and the mobile banking app including Bill Payment, eBills, eStatements and Personal Financial Management tools. Receive a free, no-annual-fee Visa® CheckCard and earn points towards great rewards.

 

Availability

  Available in 1 state
Wisconsin
Availabile in all of Wisconsin

Feature Breakdown

Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $1,000
Monthly Fee $5
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1
ATM Reimbursement Monthly Limit $3
Foreign Transaction Fee (Debit Card) 1%
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
Online Bill Pay Fee $0
Check Image Service $5
Debit Card Replacement Fee $10
Early Account Closure $25
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing

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