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American Bank and Trust Co.

Checking Accounts

 

FREEDOM CHECKING

  • 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.
  • Free Online and Telephone Banking 24 hours a day.
  • Free check image Statements
  • Free Check Card
  • Bill Pay Available (Click here to learn More)
  • First order of checks is free, 30% discount on subsequent orders.


REGULAR CHECKING

  • 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)


NOW ACCOUNT

  • 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)

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 official checks.
  • 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

AMERICAN INVESTOR ACCOUNT

  • 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
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