Quantcast
So, how do you want to bank?
Overview
Accounts
Interest Rates
Open Now
Edit Your Account

Your Choice Checking

Flexible and economical.  This account is both. Start with a core group of features and services for a low monthly fee.  Then customize your account by adding features to specifically meet your needs.  Only pay for the features you want.  Even better, earn discounts by using your Check Card and paying bills online.

Building your own account is fun.  With an opening deposit of $100 or more and a monthly maintenance fee of only $3.00, it starts with the basics below:

  • An online statement, including check images.
  • A Check Card. 
  • Bank OnLine. 
  • Mobile and Text Banking. 
  • 24-Hour Bank-By-Phone. 
  • Interest earned on days your balance is $15,000 or more, and paid monthly.1,2
  • No charge for transactions at American Bank ATM locations.

Next, choose the premium features you need: 

  • Unlimited check writing: $2.00 per month (or $.50 per check if premium feature is not selected).
  • Unlimited Online Bill Pay: $2.00 per month (or $.50 per payment if premium feature is not selected).
  • Paper statement with check images: $1.75 per month.

Then, enjoy the following discounts, based on how you use certain services each month:

  •  Make at least 20 Check Card purchases: $1.00 discount.
  •  Make at least 5 payments with your Bill Pay premium feature: $2.00 discount.

At any time, you can easily make changes in your premium features by using our secure online features editing tool. 

To preview what your own personal Your Choice Checking Account would look like, try our Demonstration Tool.

Open a Your Choice Checking Account online

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 $20,000 average daily balance in the account each month or a combined average daily balance of $100,000 or more in all your qualifying personal deposit and loan accounts.1  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.2
  • FREE Bank OnLine and Bill Pay.
  • Mobile Banking.
  • 24-Hour Bank-By-Phone.
  • FREE initial Check Card.
  • No charge for transactions at American Bank ATM locations.
  • No charge for cashier’s checks, money orders or one-signature travelers checks.
  • Preferred safe deposit box rates.
  • Tiered, variable premium interest rate based on the account’s daily balance. 
    It is paid monthly.3,4

Open a Premium Interest Checking Account online.

1Monthly maintenance fee of $10 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. 

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

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. This method applies a daily periodic rate to the principal in the account each day.

Contact us.

Contact us.

Find a nearby location.

Find a nearby location.

Choose your checking account. Get Started now.

Choose your checking account.  Get Started now.

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.

ABOUT SSL CERTIFICATES