What is the net charge of a non-ionized atom?

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In an atom, the number of protons is equal to the number of electrons and that one proton has the same positive charge value as an electron does a negative charge value.

Therefore, I am assuming that all atoms have no charge, zero, none, squat.

Non-ionized also means the atom has not suffered electron exchange, so a non-ionized atom is really just an atom (which is word redundancy).

This is what I know from AS level Chemistry, so I don't know if it's the same thing as more advanced chemistry (for university or something).
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