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National Exchange Bank and Trust Review

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National Exchange Bank and Trust Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Established in 1933, National Exchange Bank and Trust has assets totaling $2 billion along with deposits totaling $1 billion, which makes it a large bank. National Exchange Bank and Trust, whose headquarters are in Fond Du Lac, Wisconsin, lacks premium access to customer service, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. With a score of 4.1 stars out of 5, National Exchange Bank and Trust should be solidly in contention for your choice of bank. National Exchange Bank and Trust offers a variety of product offerings, which include savings accounts, checking accounts, money market accounts, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. Banks that offer no-fee checking as well as a high interest rate savings account are your best option for gaining the highest income on your deposits alongside convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

4.1/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.4
SmartAsset Average: 3.5

With a savings rate of 0.10%, National Exchange Bank and Trust ranks poorly in comparison to the average U.S. bank. Its one-year CD earns at a rate of 1.40% and the five-year CD earns at a rate of 2.00%, while its highest-yielding money market account earns at a rate of 0.40%. Given its noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits.

How National Exchange Bank and Trust's Savings Rates Compare

National Exchange Bank and Trust Savings 0.10 National Average 0.26 Compare Offers
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Fees

NR
SmartAsset Average: 4.4

There is insufficient data on National Exchange Bank and Trust's fees to provide a full SmartAsset rating.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.8
SmartAsset Average: 3.7

National Exchange Bank and Trust is a brick-and-mortar bank, with 35 total branches in Wisconsin. With mobile and web apps, National Exchange Bank and Trust makes account access straightforward, even on the go. National Exchange Bank and Trust gets fair feedback from customers for its online presence. The National Exchange Bank and Trust mobile app has been given a 3.7 out of 5 (with 46 ratings on iOS and Android) compared to the national average of 3.8. National Exchange Bank and Trust's mobile app allows you to control your funds by looking at monthly statements, transferring funds as well as reaching customer service. National Exchange Bank and Trust gets a superb consumer satisfaction score based on relatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.7/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

National Exchange Bank and Trust ranks as a large bank and manages $2 billion in assets and $1 billion in deposits. National Exchange Bank and Trust has an excellent Texas Ratio of 1.14%, signifying that the bank is in outstanding financial condition and unlikely to fail. Additionally, National Exchange Bank and Trust is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare National Exchange Bank and Trust to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $100
Checking Account 0.07% APY $1
Certificates of Deposit
  • 12 Month: 1.40% APY
  • 24 Month: 1.55% APY
  • 36 Month: 1.70% APY
  • 48 Month: 1.90% APY
  • 60 Month: 2.00% APY
$1000 for all terms
Money Market Accounts 0.3% APY 0.4% APY $10000 $15000

National Exchange Bank and Trust has several deposit products like savings accounts, checking accounts and money market accounts that provide you with many options to manage your money. National Exchange Bank and Trust does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. National Exchange Bank and Trust's CD rates are fair in comparison to the average U.S. bank.

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Find a National Exchange Bank and Trust Near Me

National Exchange Bank and Trust has 35 locations in the U.S.

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