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  National Exchange Bank and Trust Free Checking

National Exchange Bank and Trust Free Checking

in Checking Accounts from National Exchange Bank & Trust · fdic

Unaffiliated

National Exchange Bank and Trust Free Checking

Unaffiliated

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

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Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) N/A

National Exchange Bank and Trust Free Checking Review

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

Key Takeaways
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Bill pay. Pay your bills to practically anyone in the United States through National Exchange Bank & Trust.
National Exchange Bank and Trust Free 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.
  • Charges a fee on out-of-network ATM transactions.
National Exchange Bank and Trust Free 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 and Trust Free Checking offer?

National Exchange Bank and Trust Free Checking is not an interest bearing account.

What are the account minimums for National Exchange Bank and Trust Free Checking?

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

National Exchange Bank and Trust Free Checking Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does National Exchange Bank and Trust Free Checking charge?

The good news is that this account does not have a monthly Service Charge.

National Exchange Bank and Trust Free 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 $0
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

Does National Exchange Bank and Trust Free Checking charge overdraft fees?

Yes, National Exchange Bank and Trust Free Checking charges a $35 fee for every overdraft.

National Exchange Bank and Trust Free Checking offers overdraft protection at a cost of $35 per transaction.

What features and perks does National Exchange Bank and Trust Free 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 and Trust Free 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 and Trust Free 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 and Trust Free Checking?

The customer support email for National Exchange Bank and Trust Free 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 and Trust Free 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!

This simple checking account, gets the job done. With no minimum balance to maintain, unlimited check writing and a fee-free CheckCard or ATM card, you can be carefree with Free Checking.

 

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
Monthly Fee $0
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%
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
Account Features
  • Member FDIC
  • 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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