• Initial Deposit of only $100 to open your account
• No Monthly Maintenance fees with Direct Deposit
• One year free rental on a 3x5 safe deposit box, with 50% discount renewal.
• Traveler’s Cheques at no charge.
• Free Internet and Telephone Banking 24 hours a day.
• Free check image Statements
• Free Check Card
• Bill Pay Available (Click here to learn More)

• Initial Deposit of only $250.00 to open your account
• No Monthly Maintenance fees as long as the minimum balance is kept above
  $750.00. If below, there is a Monthly Maintenance Fee of $8.00 plus a Debit
  and Credit Transaction Fee of $.20 for each debit and credit transaction.
  Transit item fee of $.075 for each transit item deposited.
• Free Internet and Telephone Banking 24 hours a day.
• Free check image Statements
• Free Check Card
• Bill Pay Available (Click here to learn More)

• Initial Deposit of only $250.00 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 and credited to your account each statement cycle
• No Monthly Maintenance fees as long as the Average Daily Balance is kept
  above $1500.00. If below, there is a Monthly Maintenance Fee of $8.00 plus
  a Debit and Credit Transaction Fee of $.20 for each debit and credit
  transaction. A Transit Item Fee of $.075 will be charges for each Transit
  Item Deposited
• Free check image Statements
• Free Check Card 
• Bill Pay Available (Click here to learn More)
  

• 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
  

AMERICAN CLASSIC ACCOUNT – 55 OR BETTER

The American Classic account is for those individuals who are 55 years of age and older. The following benefits apply:

• Only $100 to open the account.
• Free American Classic checks or a 30% discount on other styled checks.
• Unlimited check writing privileges.
• Free check image Statements
• Free rental on a 3 x 5 safe deposit box. Larger sizes will be provided at an annual discount of 50% off standard bank rental fees.
• Free single signature traveler’s checks, official checks and money orders.
• Premium rates on CD's for terms of 1 year or less.
• If the combined average daily balance of all related accounts is $5,000 or more, the monthly service fee of only $10 will be waived.
  American Classic is a variable rate account, which means that the interest rate and annual percentage yield may change. The interest will be paid at the current rate for the following tiered rate structure: (Balances listed refer to American Classics account balance)

                 Tier I $0 - $9,999
                 Tier II $10,000 - $49,999
                 Tier III $50,000 or more

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

• 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 investment needs! 30 days to 4years
• Convenient automatic renewal option to save you time
• Only $1,000.00 to open
  

INDIVIDUAL RETIREMENT ACCOUNTS

American Bank & Trust realizes the importance of our customer’s investing for their future. We would like to invite you to open a Traditional IRA with American Bank & Trust. With an initial investment of only $250.00 you can begin to plan for your future now.

• Tax deferred until distribution to you
• Interest compounded daily and credited quarterly
• Competitive variable rates
• 18 month term
• FDIC insured

As with any retirement planning, please consult with your accountant or tax adviser regarding your retirement plan.

American Bank and Trust understands that financing can be an important part of your personal life. As a result, American Bank and Trust provides individuals with loan products structured to their specific needs and circumstances. In general, American Bank and Trust provides the following types of consumer loan products:

• Automobile Installment Loans
• Second Mortgage Term Loans
• Residential Construction Loans
• Residential Bridge Loans
• First Mortgage Loans
• Home Improvement Loans
• Executive Reserve