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: 

  • Instantly issued Check Card
  • Online access with Personal Online Banking, 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 checking account An interest-earning checking account Checking account earning a premium rate of interest
Special Features

Unlimited check writing

Free Personal Online Banking and Bill Pay

Free Mobile Banking

Free online statements, including check images1

 

Check Card with no charge for transactions at American Bank ATMs

Unlimited check writing

Free Personal Online Banking and Bill Pay

Free Mobile Banking

Free online statements, including check images1

 

Check Card with no charge for transactions at American Bank ATMs

No American Bank fees when you use a non-American Bank ATM

Refund of fees charged by another financial institution for withdrawals at their ATMs, up to 8 per statement period

Unlimited check writing

Free Personal Online Banking and Bill Pay

Free Mobile Banking

Free online statements, including check images1

Free paper statements with images when the average daily or combined average daily balances are maintained5

Check Card with no charge for transactions at American Bank ATMs

No American Bank fees when you use a non-American Bank ATM

Unlimited refunds of fees charged by another financial institution for withdrawals at their ATMs

No charge for cashier’s checks

25% discount on safe deposit box rates

No charge overdraft protection transfers

Free standard American Bank checks

To Waive Monthly Maintenance Fee 10 or more Check Card point-of-sale purchases and 1 electronic (ACH) deposit or payment in a statement period, and online statements Maintain an average daily balance of $1,500 or more Maintain an average daily balance of $10,000 or a combined average daily balance of $50,000+ in all qualifying accounts2
Monthly Maintenance Fee $5 $12 $15
Transaction Charge None None None
Interest Does not earn interest Rate is variable, and interest is paid monthly3,4 Rate is variable and tiered based on the account’s daily balance; paid monthly3,4
Minimum Opening Deposit $100 $100 $100

1Paper statements are $1.75 each.

2Qualifying 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 at the time the Premium Interest Checking account’s statement is produced.

3Interest begins to accrue on the business day the bank receives credit for the deposit of noncash items such as checks.

4We 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.

5When the average or combined average daily balance is not maintained, paper statements are $1.75 each.

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.