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  National Exchange Bank Trust Personal Checking
National Exchange Bank Trust Personal Checking Unaffiliated

National Exchange Bank Trust Personal Checking

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01% - 0.03%
Monthly Fee $10
Minimum Balance to Avoid Monthly Fee Starting at $2,000

National Exchange Bank Trust Personal Checking Review

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

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.03%.
  • Charges a monthly fee. This account charges a monthly service fee of $10, but the fee is waived if you keep a minimum balance of $2,000.
  • Up to $3 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through National Exchange Bank & Trust.

National Exchange Bank Trust Personal Checking Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • 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 Personal 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 Personal Checking offer?

National Exchange Bank Trust Personal Checking offers an APY starting at 0.01% and ranging up to 0.03% (APY stands for annual percentage yield, rates may change).

National Exchange Bank Trust Personal Checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 0.03%

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

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

National Exchange Bank Trust Personal Checking Minimums
Description
Minimum Opening Deposit Starting at $50
Minimum Balance to Avoid Monthly Fee Starting at $2,000
Minimum Combined Balance to Avoid Monthly Fee $2,000

What fees does National Exchange Bank Trust Personal Checking charge?

This account charges a monthly service fee of $10.

National Exchange Bank Trust Personal Checking Fees
Description
Monthly Fee $10
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 Personal Checking charge overdraft fees?

Yes, National Exchange Bank Trust Personal 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 Personal Checking offer?

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $3.
  • 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 Personal 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 Personal 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 Personal Checking?

The customer support email for National Exchange Bank Trust Personal 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 Personal 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!

Personal Interest Checking --- Earn interest on the balance you carry in your checking account. The higher your balance is the better interest rate you will earn. 

 

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 $2,000
Minimum Combined Balance to Avoid Monthly Fee $2,000
Monthly Fee $10
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
  • Interest Bearing Account
  • ATM Reimbursement
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) 0.01% - 0.03%

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