Personal Checking

Variety, flexibility and reliability? Check, check, check.

Love convenience? We have a variety of personal checking accounts built around the way our clients like to bank. Each account comes with: 

  • Instant Issue Check Card
  • Online access with Bank OnLine, Bill Pay, Mobile Banking and Text Banking
  • Online statements
  • 24-Hour Bank-By-Phone
  • Transactions at American Bank ATMs
  • Unlimited smiles and great service 

Interested? Take a look at the chart below to see which account checks all of your boxes. 

  Basic Checking Interest Checking Premium Interest Checking
Account Profile Basic account with unlimited check writing An interest-earning checking account Account earning a premium rate of interest
Special Features

Free Bank OnLine and Bill Pay

Free Mobile Banking

Check Card with no charge for transactions at American Bank ATMs

Free Bank OnLine and Bill Pay

Free Mobile Banking

Check Card with no charge for transactions at American Bank ATMs

Unlimited check writing

Free Bank OnLine and Bill Pay

Free Mobile Banking

Check Card with no charge for transactions at American Bank ATMs

Unlimited check writing

No charge for cashier’s checks or money orders 

Non-American Bank ATM withdrawal fees refunded up to 8 per statement1

Free online statement, including check images2

Free overdraft protection transfers

Monthly Maintenance Fee $5 per month $12 per month if minimum average daily balance requirement is not met $15 per month
To Waive Monthly Maintenance Fee 10 or more Check Card point-of-sale purchases in a statement period Maintain an average daily balance of $1500 or more Maintain average daily balance of $10,000 or a combined average daily balance of $50,000 or more in all your qualifying personal deposit and loan accounts3
Transaction Charge None None None
Interest Does not earn interest Rate is variable and interest is paid monthly4,5 Rate is variable and tiered based on the account’s daily balance; paid monthly4,5
Minimum Opening Deposit $100 $100 $100

1There is no fee assessed by American Bank for using a non-American Bank ATM.  Up to 8 times per statement period, the fee charged by the non-American Bank ATM will be refunded.

2When the average or combined average daily balance is not maintained, paper statements are $1.75 each.

3Qualifying personal accounts for the combined average daily balance include checking, savings, CD, IRA, HSA, home loans, personal loans, and Ready Cash lines of credit where you are an owner/co-owner or borrower/co-borrower.  The combined balance requirement is based on average daily balances in the qualifying accounts during the current statement period.

4Interest begins to accrue on the business day the bank receives credit for the deposit of noncash items such as checks.
5We use the daily balance method to calculate the interest on your account.  The method applies a daily periodic rate to the principal in the account each day.
 

What sets us apart

Our experienced bankers are always available to discuss your plans and develop a customized solution based on the unique aspects of your situation. Our truly personal approach to service is what sets us apart. At American Bank, you don’t just open an account; you start a relationship, the way banking should be. We are committed to your success, and are here to act as your trusted advisor on all aspects of your financial life.