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American Bank and Trust Co.

Commercial Checking Accounts



  • 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 $1000.00 to open your account
  • American Investor is a discretionary variable rate account, which means that the interest rate and annual percentage yield may change at any time at our Bank’s discretion.
  • 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
  • During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by our institution.
  • A debit fee of $3.00 is imposed for each debit transaction in excess of six per statement cycle.
  • Interest will be paid at the current rate on the entire balance, as it falls within it’s corresponding tier:

                     Tier 1 $50,000 or more
                     Tier 2 $25,000 - $49,999.99
                     Tier 3 $1,000 - $24,999.99
                     Tier 4 $0 - $999.99
  • Free check image Statements
  • ATM Card Available

For additional information, please contact a Customer Service Representative, 918-481-3000, during regular Bank Lobby hours.

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