National Exchange Bank & Trust

New Office In Cedar Grove
July 21, 2010
National Exchange Bank & Trust opened its doors on Monday, July 19, at a new state-of-the-art facility in downtown Cedar Grove, Wisc., at the former location of the JM Bruce Foundry, 617 South Main Street.

The 2500 square-foot, completely handicap accessible bank provides a more efficient use of space and easier access for customers while incorporating many historical items from its former building at 323 South Main Street in Cedar Grove.

The new building features doors, light fixtures, signage, windows and a bench that were all part of the Citizens Bank building built in 1921. The granite from the former teller area has been retrofitted for the teller area of the new facility.

A grand opening celebration is scheduled for August 2 – 7, including daily drawings and refreshments.

Is Your Teen Money Smart?
07.16.10
For teenagers, saving money for things like college or a car can be a difficult task. With the daily temptations of having the latest in name-brand clothing, the newest cell phone and money spent on leisure activities, teens often overlook the importance of saving for the future.

Some ways that parents can help their teen with saving for their future is by setting a positive example of saving money themselves. Instead of constantly giving your teen money, give them a set amount each week. Have your teen open a savings account and deposit part of their pay check or allowance into it. If the money is not in hand, they will be less likely to spend it. Agree on what your teen's financial responsibilities will be. Will they pay for their own cell phone, gas, car insurance, etc?

Setting the ground work early for your children can help set them up for a promising financial future.

Financial Responsibility Starts at Home
06.22.10
You may not realize it, but the financial decisions you make for you and your family may have a lasting effect on your children and their financial future. If you start sharing the importance of financial responsibility at a young age, studies show that children will have less debt and more savings as adults.

There are several steps a parent can follow when teaching about the importance of saving including, “spend a little, save a little” and providing earned allowances.

The Wisconsin Banker’s Association recommends these tips on teaching your kids to save:
• Be a financial role model and make responsible saving and spending decisions.
• Discuss money and financial choices with your kids.
• Set spending limits and stick to them.
• Allow your children to manage some of their own money and learn the consequences of their financial decisions while they are young.
• Teach children to divide their money and always set aside a percentage in savings.

Part 3 of 3: Be Safe Online: Shopping
05.18.10
Shopping online is fast, convenient and allows you to purchase anything from anywhere and have it delivered to your door. It is important to remember to be a smart consumer and protect your privacy when shopping online.

Here are some tips for safe online shopping:
• Verify that the business you are purchasing from is legitimate by searching for the Better Business Bureau or TRUSTe seal of approval on the vendor’s site or by typing in the business name on Better Business Bureau Online.
• Make sure that the vendor site uses encryption so that your credit card number and personal information is secure.
• Always use the most updated version of your Web Browser and have up-to-date anti-virus and anti-spyware software installed.
• Use strong usernames and passwords.
• Use your Visa credit card instead of a debit card to protect yourself from being liable for fraudulent charges.

Following these tips can help keep you safe while enjoying the convenience of online shopping.

Part 2 of 3: Be Safe Online: Bill Paying
04.20.10
With the many conveniences of the internet and online banking, consumers are now increasingly paying their bills online. Whether it is the cable bill, electric bill or credit card bill, paying bills online saves you time, paper, the cost of postage and even gasoline.

There are some steps you can take to protect yourself while paying bills online including:
• Create fraud-resistant passwords and usernames
• Review monthly statements as well as your online banking account of payment transactions
• Do not click on Web links via e-mail that request account information.
• Do not leave your computer unattended or use public compute (such as library or hotel) while conducting banking business.

National Exchange Bank & Trust makes paying bills online even easier by allowing you to pay all of your bills from one convenient and secure place inside Exchange OnLine Internet Banking.

Part 1 of 3: Be Safe Online...Banking
03.26.10
While the Internet offers the potential for safe, convenient ways to conduct banking business any time of day or night, it is important to remember some helpful hints to protect yourself.

In reference to banking online, the FDIC offers these tips to keep you protected:
•Keep your personal information private and secure
•Understand your rights as a consumer
•Learn where to go for more assistance from banking regulators

Online bankers should keep an eye out for phishing scams or suspicious spyware and monitor their online bank accounts daily in addition to keeping computers up to date with the latest anti-virus and spyware protection.

Following these preventative tips can help insure that you remain safe online and continue to enjoy the convenience of online banking with National Exchange Bank & Trust.

Important Steps to Take if Your Identity if Stolen
02.26.10
We have all heard horror stories about people who have had their accounts compromised because of a lost or stolen purse or wallet, but would you know what to do if it happened to you? Once thieves get a hold of your information, it can take only minutes before they have made large purchases and opened new accounts in your name.

MSN Money provides eight steps to clearing your good name. These steps serve as a reminder of who you should call and what information needs to be cancelled should you suspect that your identity has been stolen. Keep card information and phone numbers on hand, but in a secure place so that you can promptly contact credit card companies and your bank to cancel cards.

Having your personal information stolen can be stressful and inconvenient, but following recommended procedures can protect your credit and reputation. If you suspect fraudulent activity with any of your National Exchange Bank & Trust accounts or Visa CheckCard and Platinum card, please contact us immediately.

TurboTax and Exchange Online Come Together
01.27.10
Getting your tax refund through TurboTax® is now easier than ever - it is right inside Exchange OnLine Internet Banking from National Exchange Bank & Trust. TurboTax guides you through your taxes step by step, like a GPS – and finds all the deductions and credits you deserve.

Previous TurboTax online users link to their history on the first click. TurboTax allows you to choose the product that best fits your needs and even has support designed specifically for first-time users. After the initial connection, TurboTax login is seamless through Exchange OnLine.

Just log into or sign up for Exchange OnLine and click on the “TurboTax” button on the left-side menu to get started.

Start the New Year off Right
12.29.09
For many people, with the New Year comes New Year's Resolutions. When setting your resolutions for 2010, do not forget your finances. Setting goals for yourself and your family, such as creating a budget, paying off credit cards and saving money each month, can go a long way in having a successful 2010.

National Exchange Bank & Trust can also help set you on the right track to a successful 2010. Start the year with Exchange Online Internet Banking. With Exchange Online, you can access your accounts, pay bills online and receive free paperless eStatements which may help you keep your resolution this year.

Household Budgeting Made Simple
11.20.09
For some, the word “budget” can be scary. However, a budget may help you identify overspending as well as help you adjust bad spending habits.

The Wisconsin Bankers Association recommends starting with three simple steps to easy budgeting:
•Add up your income.
•Track your spending.
•Make it balance.

Create a monthly budget worksheet and keep track of income and expenses. Separate items into categories like "essential" and "non-essential." Most people are surprised to realize how much money they are spending on non-essential items.

American Consumer Credit Counseling also recommends budgeting for emergency or unexpected situations such as a death in the family, losing your job or having to repair your car. They suggest setting aside six times your monthly living cost so that you may be prepared if an emergency should occur.

Protect Your Credit Card
10.13.09
The summer 2009 issue of FDIC Consumer News from the Federal Deposit Insurance Corporation features key changes in the rules and regulations set to cover your credit cards and what these rules mean for the public. These new laws will protect consumers from surprise fees, rate increases and other penalties that may not be clearly stated by credit card companies.

These new laws will be instrumental in helping consumers better manage their credit cards and avoid unpleasant surprises that may show up on their statements.

While most of these changes will come into effect in February 2010, some important changes were made effective in August 2009. These changes will help credit card terms and fees become more consumer-friendly and easier to understand according to MSN Money.

Bankrate.com shares eight major benefits to the Credit Card Accountability, Responsibility and Disclosure (Credit CARD) Act of 2009 coming into law.

Summer is a great time to enjoy the convenience of Visa Cards
07.29.09
National Exchange Bank & Trust offers the opportunity to take advantage of the exceptional benefits, extra conveniences and outstanding services available to you from Visa.

The Visa CheckCard allows you to make purchases and deducts the amount directly from your National Exchange Bank & Trust checking account without having to write a check. On qualifying purchases, you are eligible to earn points for rewards through the Visa Extras Program. There is no annual or monthly fee to use the card. This card is a great option for the family on the go this summer. It is accepted anywhere Visa is accepted worldwide.

Another great option for the summer traveler is the Visa Platinum Credit Card. This card offers no annual fees with online access, the ability to pay off the balance immediately or over multiple payments and several other benefits including the Points2U Program. For every $1 you spend on eligible purchases using your Points2U Platinum Visa Credit Card, you earn one point towards great rewards including travel, merchandise and gift cards to your favorite stores and restaurants.

Contact us today for more information about our Visa Cards.

National Exchange Bank & Trust Announces New Board Member
05.28.09
Chairman of the Board, Peter E. Stone, recently announced the election of Mark Schwabero, president of Mercury Marine, to the National Exchange Bank & Trust Board of Directors.

Schwabero joined Mercury Marine in 2004 with more than 28 years of experience as a senior executive in the automotive and commercial vehicle industries.

He holds both bachelor's of science and master's of science degrees in industrial and systems engineering from Ohio State University where he was recognized with the University's Distinguished Alumnus Award in 1991 and the Meritorious Service Award in 2008.

Don't Become a Victim of Identity Theft
04.19.09
You should think twice before tossing the latest credit card offer or bank statement in the trash. You may also want to pause before clicking on that special internet offer or too-good-to-be-true e-mail message. These are just a few simple ways scammers are stealing your identity.

The Federal Trade Commission estimates that nine million Americans have their identity stolen each year. Identity theft is characterized by someone using your personal identifying information, such as your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. This can leave you with a stack of bills and harm your good name. Not to mention that clearing your name could take months or years and cost thousands of dollars.

Protect yourself from identity thieves by protecting your personal information. Join us Saturday, May 9, from 8 - 11 a.m. for Shred Day at our 130 South Main St. location in Fond du Lac. Community members are invited to bring one large bag of confidential, personal information to be shredded and securely disposed.

To learn more about identity theft, you may also visit these Web sites:
-Social Security Administration
-Mail Fraud

Understanding FDIC Insurance
03.09.2009
Sometimes it may be difficult for consumers to understand their insurance coverage and how to be sure their deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The good news for consumers is that federal insurance coverage has significantly increased, primarily as a result of a temporary boost in the basic insurance limit, from $100,000 to $250,000.

As a reminder, National Exchange Bank & Trust has elected to participate in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC general deposit insurance rules.

Among other resources, please review the FDIC Consumer News (the Fall 2008 issue) entitled "Your New, Higher FDIC Insurance Coverage: How You Can Be Fully Protected" to better familiarize yourself with current insurance specifics.

The FDIC provides a deposit insurance estimator on its Web site for consumers to evaluate their accounts. As always, please do not hesitate to contact your banker with any questions.

Protect yourself this holiday season
12.01.2008
The holiday season is officially here! For many, that means holiday shopping for their friends and family members. To avoid busy shopping malls, stores and long lines, more and more people are turning to online shopping. Not only can you enjoy the convenience of shopping from your own home, but also avoid the hustle and bustle that comes this time of year. It is, however, important to protect yourself if you choose to do your shopping online.

WACHA recommends the following tips for protecting yourself while shopping online:

-Enhance the security of your computer.
Be sure to install a firewall and make sure your computer has the most current anti-virus and anti-spyware software before you begin your online shopping.

-Use strong passwords.
When creating passwords for online accounts, use at least eight characters, including numbers, special characters, and upper and lower case letters. Do not use the same passwords for online shopping websites that you use for logging onto your computer.

-Guard the security of your transaction.
When submitting your purchase information, look for the "lock" icon on the browser's status bar and be sure "https" or "shttp" appears in the website's address bar. The "s" stands for "secure."

-Do not email your financial information.
Clear-text emails are not a secure method of transmitting financial information such as your credit card, checking account or Social Security numbers.

-Keep a paper trail and check your credit card and bank statements regularly.
Print and save records of your online transactions, including the product description and price, the online receipt, and copies of every email you send or receive from the seller. Read your credit card and bank statements as you receive them and be on the lookout for unauthorized charges.

-Do not respond to pop-up messages.
If you get an email or pop-up message while you are browsing, do not reply or click on the link in the message, especially if it is asking for personal or financial information. Legitimate organizations do not ask for this information in these ways.

-Check the privacy policy.
Know what information the merchant is collecting about you, how it will be used, and if it will be shared or sold to others. You can do this by checking the web site to make sure there is a privacy policy posted, and that you are comfortable with the way your personal information is treated under that policy. Look for seals from privacy enforcement organizations like TRUSTe, or the Better Business Bureau. Be suspicious if you are asked to supply personal information not needed to make a purchase, such as your Social Security number, mother's maiden name or other personal information.

-Limit your online shopping to merchants you know and trust.
If you have questions about a merchant, verify it with the Better Business Bureau or the Federal Trade Commission.

If you have problems during a transaction, you may contact the seller, buyer or site operator directly. If those attempts are not successful, you may wish to file a complaint with the following entities:
-The Attorney General's office in your state
-Your county or state consumer protection agency
-The Better Business Bureau
-The Federal Trade Commission

Organize your financial records
7.29.2008
Managing your financial information efficiently not only saves you time but may save you money in the form of reduced late fees. It also may reduce the amount of clutter and paperwork that can consume your home office and make you a target for identity theft.

Simplify by reducing the amount of paper you handle. Choose to receive eStatements and pay bills online through Exchange OnLine. Store your statements electronically in the same manner you would store your paper statements.

Take charge of your finances by keeping all of your information in one location. Whether the area is in your office, library or kitchen, keep the area clean and be sure to neatly store all of your documents. Keep receipts, credit card statements, bank statements, tax documents (etc.) in an organized filing system. Store your documents consecutively and be sure to label envelopes and boxes.

Tracking your finances is not difficult but it may seem intimidating. However, organizing is an excellent step toward other financial goals such as reducing debt, saving for a down payment, investing for retirement or paying for a college education. Conquer the clutter today and stay organized so you are able to meet your financial goals.

Invest in a College Savings Plan
5.19.2008
It is never too early, or too late, for parents and students to start saving for college. Saving for college is more important now than ever as the value and expense of education swells. Tuition costs and interest rates are increasing causing college education to be less affordable. The amount of federal funding for students is not increasing and in some states, it is even decreasing. A 529 college savings plan is an education funding alternative that can be started at any time. National Exchange Bank & Trust investment representatives are available to discuss your college savings plan options.

A 529 college savings plan is state sponsored but does not lock in the current tuition cost. Instead, a 529 plan acts similar to an investment account that offers flexibility and gives your money the potential to grow tax-deferred over time. As a result, your money has the opportunity to keep up with or surpass the increasing costs of education. Money that is contributed to a 529 plan may only be withdrawn for tuition, fees, books, supplies and equipment required for attendance at most private or public educational institutions including some that are foreign.

Unlike other college savings accounts, the beneficiary does not gain account access at the age of 18. Instead, the account holder remains in control of the account. The account holder chooses the initial investment portfolio, the beneficiary of the account (which is changeable) as well as when and how the money is distributed. Withdrawals from 529 college savings plans are federal and Wisconsin state income tax-exempt when the funds are spent on qualified higher educational expenses.

It is certainly important to consult with your local investment representative regarding college savings plans before making any decisions.

Build an Emergency Fund
6.19.2008
Financial emergencies may happen to anyone. Financial planners recommend establishing an emergency fund in preparation for an emergency or accident. An emergency fund is enough savings to cover three to six months of all living expenses.

Emergency money should be accessible without loss or penalty rather than in a CD. Examples of easily accessible accounts include money markets and mutual funds. Contact a National Exchange Bank & Trust representative to determine what type of account is best for you.

Do not despair if you feel you do not have the resources available at this time to build an emergency fund. Financial planners provide tips for easy savings over time.
1. Aim for a lower savings goal initially, such as one month of expenses, and save more as you are able.
2. If you have credit card debt, consolidate it at the lowest interest rate possible. Stop using the card and pay off your debt. Once your debt is paid, begin adding the payments previously made for your debt to your emergency fund.
3. Use "bonus" money, tax returns and monetary gifts to build up your emergency fund.
4. Turn spare change into an investment. Empty pocket change into a container each night and deposit the money each week. A couple contributing $1 daily will collect $730 annually.

Once you have developed a financial savings plan, annually meet with your investment advisor to re-evaluate your plan and your needs. Adjust your plan accordingly as your income, debts and expenses change

Build Credit While Managing Debt
04.22.08
Good credit history has never been more important than it is today.

When people spend more than they can afford and pay less toward their debts than they should, they are getting into the bigger problem of establishing bad credit. Stick to a realistic budget that allows you to pay off your debt, pay your current bills and save money for the future. Make it a goal to save enough money to cover three months of bills should something happen to you where you would not have a steady income.

If your credit score has plummeted or you are in credit card debt, seek confidential credit card counseling. Some creditors will accept reduced payments if you are working with a reputable program to get out of debt. Creditors will help you modify your plan to make it more manageable. Do not wait until your accounts have been turned over to a debt collector to seek out help.

As you take control of your debt, be cautious of advertisements that offer quick fixes. Agencies offering debt relief may actually be offering bankruptcy. Because bankruptcy stays on your credit history for up to 10 years and hinders your ability to establish credit, it is important to understand thoroughly any debt-relief services. If any credit repair offer seems too easy or too good to be true, it probably is. Before doing business with any debt relief service, contact your local consumer protection agency or the Better Business Bureau.

You may obtain up to three free credit reports each year. Three suggested credit reporting agencies are Equifax, Transunion and Experian.

Secure your Retirement with an IRA
04.02.08
Today, more than ever before, financial security during retirement is one of the greatest challenges American workers face. Social Security adequacy is uncertain, and therefore, Americans are forced to rely more heavily on their own resources post-retirement.

Individual retirement arrangements are viable answers to a secure retirement. And, it is not too late. You can deposit money into your 2007 IRA until April 15, 2008.

There are different types of IRAs: Traditional and Roth. The differences between the Traditional and Roth include:
Traditional IRAs: offer immediate tax benefits, with contributions and/or earnings tax-deferred until the money is withdrawn. Minimum distributions are required at 70.5 years of age.
Roth IRAs: are funded with post-tax dollars and not taxed when the money is withdrawn. Minimum distributions are not required.

If you do not have an IRA, contact a National Exchange Bank and Trust representative. Our institution offers Traditional and Roth IRAs in certificates of deposit or money market accounts. Money may be automatically transferred from your National Exchange Bank and Trust checking account into your IRA plan with a preauthorized monthly plan. Money may also be rolled over from former employers into one account so that all of your finances may be handled under one roof.

Making Changes for your Convenience and Security
03.07.08
National Exchange Bank and Trust is pleased to announce that all checks are now processed through an imaging system. The process increases check processing efficiency and transaction authorization.

Because of technology, we are able to scan the front and back of original checks into the computer system and store them for seven years. With check imaging, statement reconciling, check researching and balancing information is available at your fingertips. Check images are available at no charge through Exchange OnLine and serve as a security feature that helps prevent fraud and identity theft from your checking account.

The safekeeping program at National Exchange Bank and Trust allows your checks to be stored for seven years; up to three free check copies are available each month. Contact us with any questions about Exchange Online, check imaging and safekeeping.

Loan Rate Cuts: The Economical Affects
02.12.08
The loan rate cut affects consumers in their daily lives in many ways; from mortgages to credit card bills to savings. Be aware that the rate cut will be most beneficial to borrowers with good credit.

People with good credit and variable-rate mortgages could use the rate cut as an opportunity to restructure their debt. Financial analysts generally recommend that you refinance if you are going to live in your home for several years.

Additionally, home owners have seen a decrease in value of their homes making it a good time for those with good credit to find a bargain.
Please contact us for a free evaluation of your current mortgage situation.

Rate cuts benefit those consumers shopping for loans while the savings rates continue to be pressured by the interest rate spread.

While the economy is in the political spotlight as presidential candidates are focusing on financial issues that are concerning to consumers and businesses, it is as important as ever to evaluate your financial position. Let us know how we can help.

Watching for Phishing Scams Can Save your Good Name
11.26.07
With all the technological advances in the world today, scam artists are getting more and more creative in how they gain your trust to get your financial information. The first step to preventing identity theft and fraud is to stay informed of the different scams being utilized. Talking regularly with a Customer Service Representative at your local office will help you stay aware.

Phishing scams have been in existence for a few years, but many people are still unaware of how realistic phishing e-mails can look. Scam artists are no longer only targeting large financial institutions. In the past year, the number of small, local banks being targeted has increased significantly.

Technology can greatly increase the convenience of your banking, but it is important to keep security issues in mind. Phishing e-mails and the web sites they send links to may appear almost identical to those of legitimate financial institutions. National Exchange Bank & Trust will never ask for verification of your personal information via e-mail.

Festival Foods Office Provides Added Convenience
10.17.07
The newest office of National Exchange Bank & Trust opened October 5, 2007. The office opened in the new Festival Foods Grocery Store in Fond du Lac at 1125 East Johnson St. The office will offer added convenience to our customers in the expanding east side of the Fond du Lac community.

This is the first in-store office of National Exchange Bank & Trust. The office provides a full range of products and services, a state of the art 24-hour ATM and is easily accessible in the front of the store.

Surveys show that in-store banks are increasingly popular, so we continuously strive to provide the most convenient banking options to our customers. Please visit our Festival Foods Office to experience the National Exchange Bank & Trust difference today!

We Now Offer More Electronic Banking Services
08.15.07
Electronic Banking Services continue to increase in popularity. A study conducted in association with Dove Consulting shows that customers are increasingly using electronic payments. Now even Monopoly has gone electronic.

National Exchange Bank & Trust is keeping up with the times by offering you the most highly-advanced banking options. The newest additions to our Electronic Banking Services include eStatements and Secure Sign on. We also recently upgraded our Visa Platinum Credit Card by offering rewards with the Points2U Program. And our top-notch Electronic Bill Payment offers the convenience of paying your bills with the touch of a button.

In a world where technological change is a constant, it is good to know your bank is keeping up. It is also good to know you can depend on the friendly staff to be there to help you in person, if needed. Visit any location to speak with a friendly representative about our electronic banking options.

Elkhart Lake Office Celebrates its 100th Birthday
07.17.07
The Elkhart Lake Office of National Exchange Bank and Trust will celebrate 100 years as a community leader on August 15, 2007. The bank on the corner was the first and only bank in Elkhart Lake for 88 years.

The bank will host a celebration for customers the week of August 13 through 17, at the Elkhart Lake Office. The community is encouraged to visit the office at 54 South Lake Street to register for daily giveaways and enjoy refreshments.

To kick off the week of festivities, the bank staff will be on-site as a co-sponsor at Downtown Night on August 13 offering giveaways and a chance to win a family package to the Milwaukee County Zoo.

Assistant Vice President Mary Beth Nichols of the Elkhart Lake Office said the celebration is a way to give back to the people who support the bank, and it is honored to be celebrating 100 years in a caring community like Elkhart Lake.

A Visa CheckCard is a Smart Idea for Summer Travel
06.18.07
Summer is here and so is vacation season! Before you head off on your summer getaway, do not forget to pack your Visa CheckCard. There are many benefits to using a Visa CheckCard, including your enrollment in Visa Extras which rewards you for every purchase for which you sign. But your Visa CheckCard is especially beneficial when traveling.

Use your CheckCard anywhere Visa is accepted, avoiding the geographic limitations of your checkbook

It is safer than carrying cash and travelers checks are continuously becoming less widely accepted

Using your debit card when traveling abroad may save you money when considering the exchange rate

Do not forget a few important tips when traveling with your Visa CheckCard:

Notify your bank to let them know you will be traveling so they do not consider the transactions made suspicious.

Check the withdrawal limit on your debit card. If you need a higher limit, ask about Visa Extras. By registering with National Exchange Bank & Trust, your daily withdrawal limit automatically increases.

Make a record of your account numbers and keep them safe, in case your information is lost or stolen. Do not pack the account numbers in your luggage.

Make sure the card is in good shape or is not your only method of payment. Check the expiration date to ensure it does not fall during your trip.

Read more about the benefits of a Visa CheckCard!

Community Banks Give Back
05.16.07
Community Banks constitute 98% of all banks in the United States according to the Independent Community Bankers Association. And while the number of banks in the United States is decreasing due to consolidation, a finding from the FDIC Statistics on Banking suggests that community banks will continue to expand. Inc.com has even suggested that entrepreneurs look to their local community bank when starting a small business.

With all the buzz about community banks, you may be asking: what can they do for you? The advantages are endless!

National Exchange Bank & Trust is proud to be an independently-owned community bank. In addition to friendly service and local decisions, we continue to invest back into the communities we serve. Plus, customers enjoy many bank-sponsored events and opportunities. These include informational seminars meant to educate, our Shred Day Program to help keep you safe, and appreciation events and activities.

See the National Exchange Bank & Trust difference first-hand: Visit us at our Annual June Dairy Month Petting Zoo on June 2, 2007, and learn what your community bank can do for you!

An HSA May be the Perfect Addition to Your Health Plan
04.17.07
A new census by Americas Health Insurance Plans revealed that 4.5 million American’s are currently covered by a low-premium, high deductible health plan paired with a Health Savings Account (HSA). Each year, the number of individuals taking advantage of these plans increases, as does the number of businesses offering them to their employees. If you currently have a high-deductible health plan, an HSA may be perfect for you. Click here to determine if you meet the requirements to sign up for a tax-advantaged HSA.

Benefits of a National Exchange Bank and Trust HSA:

Convenience and simplicity of the account serviced at your local office
Access to your account through FREE Exchange OnLine Internet Banking
No monthly fee if:
-The account is set up with direct deposit
-2,500 is maintained in a separate savings, money market, IRA or Certificate of Deposit
-500 minimum balance is maintained
Free HSA Visa Debit Card with no annual fee
First order of HSA checks at no charge

Tax Season Offers a Reminder to Shred Important Documents
03.27.07
Tax season may cause grumbles as people flip through their messy filing systems to search for receipts, statements and other important documents. This serves as the perfect reminder that having all this excess paperwork is not only a hassle, it is also unsafe. Having sensitive documents with personal information can lead to identity theft. With the range of new scams surfacing every day, identity theft, the most classic case of fraud, is often overlooked. Identity theft, however, is not going away. The Federal Trade Commission (FTC) reports that identity theft was the number one fraud complaint in 2006. If you have excess paperwork or important documents that need to be shredded, please visit us for “Shred Day” at our Fond du Lac South Main Office or our Howards Grove Office on Saturday, April 28, from 9 a.m. to noon. Bring in up to one large garbage bag (or its equivalent) of documents for shredding and further prevent your chances of becoming a victim of identity theft.

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