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So, how do you want to bank?
Overview
Accounts
Interest Rates

Basic Checking

If a low cost, full service checking account solution is what you need, look no further.  Open a Basic Checking account with $100 or more.  You'll have unlimited check writing privileges, with no per check charge or minimum balance requirement, for only $5 per month.  Even better, use your Check Card for 10 or more point-of-sale purchases each month and pay NO monthly maintenance fee.  

Basic Checking also includes the following features: 

  • FREE Check Card. 
  • FREE Bank OnLine, Mobile Banking and Text Banking. 
  • FREE 24-Hour Bank-By-Phone. 
  • No charge for transactions at American Bank ATM locations. 
  • An online statement, including check images. 

Interest Checking

Want to earn interest on the funds in your account?  Interest Checking gets you there.  Open this account with $100 or more and get all the standard checking account features, plus earn a competitive interest rate.  Keep a minimum average daily balance of $1,500 in the account for the month and there's no monthly maintenance fee.1

Your Interest Checking account includes the following features: 

  • Unlimited check writing (and no per check charge). 
  • FREE Bank OnLine, Mobile Banking and Text Banking. 
  • FREE initial Check Card. 
  • No charge for transactions at American Bank ATM locations. 
  • An online statement, including check images. 
  • 24-Hour Bank-By-Phone. 
  • Variable interest rate based on the account's daily balance.  It is paid monthly. 2,3

Premium Interest Checking

Enjoy higher interest and, as a result, wider smiles. Put your money to work with Premium Interest Checking. This innovative personal account allows unlimited checking while you earn a premium rate of interest on your total balance.

Open the account with $100 or more and get an array of features and services at no charge, as long as you maintain a $10,000 average daily balance in the account each month or a combined average daily balance of $50,000 or more in all your qualifying personal deposit and loan accounts.4  Premium Interest Checking includes:

  • Unlimited check writing.
  • No per check charge.
  • An online statement, including check images.  Maintain the average or combined average daily balance and receive a paper statement with images at no charge.5
  • FREE Bank OnLine and Bill Pay.
  • FREE Mobile and Text Banking.
  • FREE 24-Hour Bank-By-Phone.
  • FREE Check Card.
  • No charge for transactions at American Bank ATM locations.
  • FREE use of non-American Bank ATMs.6
  • The fee charged by a non-American Bank ATM for a withdrawal will be rebated, up to 8 withdrawals per month.6
  • No charge for cashier’s checks, money orders or one-signature travelers checks.
  • 25% discount on safe deposit box rates.
  • Tiered, variable premium interest rate based on the account’s daily balance. 
    It is paid monthly.2,3

1Monthly maintenance fee of $12 if the average daily or combined average daily balance is not maintained.

2Interest begins to accrue on the business day the bank receives credit for the deposit of noncash items such as checks.

3We 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.  

 4Monthly maintenance fee of $15 if the average daily or combined average daily balance is not maintained. Qualifying 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 end of the previous calendar month.  

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

6There 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 rebated.  

Contact us.

Contact us.

Find a nearby location.

Find a nearby location.

Apply for a Check Card.

Apply for a Check Card.

Fresh out of checks? Order more.

Fresh out of checks? Order more.

Opt in for one-time ATM/Check Card Overdraft Coverage.

Opt in for one-time ATM/Check Card Overdraft Coverage.

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