Personal Checking

Basic Checking
  • Unlimited check writing
  • Free Personal Online Banking and Mobile Banking
  • Debit card with no charge for transactions at American Bank ATMs
Interest Checking
  • Unlimited check writing
  • Free Personal Online Banking and Mobile Banking
  • No American Bank fees when you use a non-American Bank ATM
Premium Interest Checking
  • Free Personal Online Banking and Mobile Banking
  • No charge for cashier’s checks
  • 25% discount on safe deposit box rates
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Basic Checking
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Interest Checking
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Premium Interest Checking
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Account Profile

Basic checking account

An interest-earning checking account

Checking account earning a premium rate of interest

Shared Features
  • Unlimited check writing
  • Free Personal Online Banking and Bill Pay
  • Free Mobile Banking
  • Free online statements, including check images1
  • Debit 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
  • Debit card with no charge for transactions at American Bank ATMs
  • No American Bank fees when you use a non-American Bank ATM
  • Unlimited check writing
  • Free Personal Online Banking and Bill Pay
  • Free Mobile Banking
  • Free online statements, including check images1
  • Debit card with no charge for transactions at American Bank ATMs
  • No American Bank fees when you use a non-American Bank ATM
Unique Features

n/a

  • Refund of fees charged by another financial institution for withdrawals at their ATMs, up to 8 per statement period
  • Free paper statements with images when the average daily or combined average daily balances are maintained5
  • 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 Avoid Monthly Maintenance Fee

10 or more debit 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

$20

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

Account Protection

The potential for fraud exists with virtually every transaction. Here are some tips on how to be alert and minimize your risk.

1Paper statements are $1.75 each.

2Qualifying personal accounts for the combined average daily balance include checking, savings, CD, IRA, 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 first business day that funds are available in the account for noncash items such as checks.

4Interest begins to accrue on the first business day that funds are available in the account for noncash items such as checks.


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

Routing Number | 114903284