Bank OnLine
     Access your accounts through Bank OnLine at www.americanbank.com
     anytime of the day or night, anywhere you have a PC with an Internet
     connection. Use your password and user IDs for secure access to your
     accounts – check current balances, review account statements and
     transactions, make transfers between accounts, view images of items, set      electronic account alerts and more. As an extra timesaver,
     download your account statement information to Quicken or other financial
     management software. Try a Bank OnLine demo to see how it works.
Bill Pay
     Conveniently pay your bills through your Internet connection to
     www.americanbank.com – no more checks, envelopes or stamps. You can
     even schedule payments to be made automatically, and download Bill Pay
     information to financial management software like Quicken or Microsoft
     Money. Try a Bill Pay demo to see how quickly you can organize and
     manage your records, cash flow – and the time you spend paying bills each
     month. More Bill Pay features. 
24-Hr. Bank-By-Phone
     With your Personal Identification Number (PIN) you can call 24-Hr.
     Bank-By-Phone any time of the day or night for unlimited automated inquiries
     about your account balances or transactions. You can also make a transfer
     between your accounts, request a fax-back statement, or even report lost or
     stolen checks or ATM/debit cards. Without a PIN, you can still get information
     about current rates and accounts at American Bank, and about bank and ATM
     locations.
     More 24-Hr.Bank-By-Phone features.
Business Check Card
     American Bank's Business Check Card can be used anywhere that accepts
     MasterCard® instead of writing a check or paying cash.
    
     At stores, restaurants, hotels, gas stations and other MasterCard merchants, it works
     like a check and purchases are deducted right from the checking account associated
     with the card.

     The Business Check Card is always a great way to pay - any time, anywhere you see
     the MasterCard® logo - especially out of the office, on the road and with new vendors.
     There's no need to carry a bulky checkbook and no waiting for check approvals.  Plus
     business owners can control how employees use the card.  Cards can be given preset
     purchase limits for greater control over employee spending.  And owners are protected
     against certain kinds of employee misuse by MasterCard's built-in liability protection.

     The Business Check Card is not a credit card.  Although it is accepted by merchants
     just like any other MasterCard, the amount of your purchase is always deducted
     directly from the checking account associated with the card, so there is no finance
     charge or bill at the end of the month.
Direct Deposit
     Almost any regular income check can be set up to be automatically
     deposited to your account safely and on time. The deposit is made
     electronically, without mail or paper checks, so you can be assured that your
     funds will be in your account, no matter what your schedule. See your
     Personal Banker at any American Bank location to set up direct deposits to
     your account.