• Initial deposit of $250.00 to open your account
• $7.00 Monthly Maintenance Fee, $0.20 for each debit and credit transaction. Transit item fee of $0.075 for each transit item deposited.
• The Earnings Credit Rate on your account relationship will be the monthly average of the 91 day Treasury Bill rate less 15 basis points.

• Initial Deposit of only $100.00 to open your account
• Variable Rate of Interest
• Interest is calculated using the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day.
• Interest is compounded daily and credited to your account quarterly
• No Monthly Maintenance fee is charged as long as your account has a balance of $50.00 on the last day of each month. If below, a $1.00 fee will be charged on the last day of the month.
• You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.
• Federal Reserve Regulation requires no more than six transfers or withdrawals per month or statement cycle - A debit fee of $1.00 is imposed for each debit transaction in excess of six per month.
• Free check image Statements
• ATM Card Available

• Initial Deposit of only $1000.00 to open your account
• Variable Rate of Interest
• Interest is calculated using the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day.
• Interest is compounded monthly and paid to your account monthly
• A Debit Fee of $.50 will be charged for the first six (6) debits to your account during a statement cycle
• Federal Reserve Regulation requires no more than six transfers or withdrawals per month or statement cycle - A debit fee of $3.00 is imposed for each debit transaction in excess of six per month.
• Free check image Statements
• ATM Card Available

• Easy to use online interface
• Only $4.95 per month for the first 15 transactions
• 38¢ per item over 15 transaction

• Account Summary
• Account Detail
• Funds Transfer – transfer funds from one account to another within the institution
• Request one time or recurring wire transfers online
• Request EFTPS payments from your business account
• Originate ACH

CERTIFICATES OF DEPOSIT

• Competitive interest rates for the term you select
• Interest may be deposited into your American Bank & Trust account or paid by check
• Terms to fit your investments needs! 30 days to 2 years
• Convenient automatic renewal option to save you time
• Only $1,000.00 to open

• Working Capital Guarantee Program
• Medium Term and Long Term Guarantee Program
• Short Term and Medium Term Export Credit Insurance Program

In the Working Capital Guarantee Program, ABT is one of four Delegated Authority Lenders in the state of Oklahoma. As a Delegated Lender, ABT can originate an Ex-Im Bank Working Capital Loan up to $2,000,000 for qualified businesses without having to submit an application to the Ex-Im Bank in Washington, D.C.

Whether your business needs working capital to complete an export contract or your foreign buyer needs financing to purchase your goods and services, ABT has developed the expertise to assist you in growing your export business.

ABT understands that proper financing is an integral part of operating a business. As a result, ABT provides businesses with loan products structured to their specific needs and circumstances. In general, ABT provides the following types of commercial financing products:

• Revolving Lines of Credit
• Equipment Term Loans
• Real Estate Term Loans
• Real Estate Construction Loans
• Commercial and Standby Letters of Credit

With your financial interests in mind, ABT will analyze your company’s financial needs and do its best to structure a financing transaction that will help your business grow.