Features & Benefits
Unlimited check writing
Free Personal Online Banking, Mobile Banking and Bill Pay
Free online statements, including check images1
Free paper statements with images when the average daily or combined average daily balances are maintained5
Debit 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
Avoid $20 monthly maintenance fee by maintaining an average daily balance of $10,000 or a combined average daily balance of $50,000+ in all qualifying accounts2
Rate is variable and tiered based on the account’s daily balance; paid monthly3,4
$100 Minimum opening deposit
The potential for fraud exists with virtually every transaction. Here are some tips on how to be alert and minimize your risk.
1When the average or combined average daily balance is not maintained, paper 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 the average daily balance for the month 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.
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.