Checking & Savings
Compare our checking and savings accounts to find the right products to meet your everyday needs and long term financial goals.
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| COMPARE | Checking Accounts | Savings Accounts | ||||
|---|---|---|---|---|---|---|
| American Free Checking | American Rewards Checking | Community Rewards Checking | American Savings | Money Market | Investors Advantage | |
| Description | A free and easy to manage account. |
An interest-earning account for customers who maintain a relationship with American Bank Center, American Insurance Center, or American Trust Center. |
An interest-earning account for the customers and the community. |
Low minimum balance makes saving an easy habit to maintain. | Earn higher rates on a tiered-rate schedule while having access to your funds. | Earn premium rates on a tiered-rate schedule while having access to your funds. |
| Free Online/Mobile Banking |  |
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| Free Bill Pay |  |
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| Free eStatement |  |
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| Free Phone Banking |
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| Debit/ATM Card |  |
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ATM Card Only |  |
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| Interest Earned | No | |
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| Minimum Daily Balance to Earn Interest | N/A | $1,000 | N/A | $100 | $1,000 | $10,000 |
| Qualifying Relationships Required to Earn Rewards |
None |
$1,000 min daily balance checking OR $5,000 combined deposits OR $5,000 lending relationship OR American Insurance Center or American Trust Center relationship |
Signed up for eStatements AND 10 debit card transactions post and settle during that statement cycle |
None |
None |
None |
| Benefits | None | Free Cashier's Checks Free singles checks or discounted duplicates Five free ATM transactions per month |
Debit Rewards (1)
Free ATMs (2)
1.00% APY (3)
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None | None | None |
| Service Charge | None | $5 monthly service charge if qualifying balances or relationship is not maintained | $5 monthly service charge if daily balance falls below minimum (4) | $5 quarterly service charge if minimum daily balance falls below $100 during statement cycle $1 service charge per transfer/withdrawal over 12 per quarter |
$10 monthly service charge if minimum daily balance falls below $1,000 during the statement cycle $1 service charge per transfer/withdrawal over 6 per month |
$20 monthly service charge if minimum daily balance falls below $10,000 during the statement cycle $5 service charge per transfer/withdrawal over 6 per month |
(1) Earn $0.10 per debit card transaction. Requires at least 10 debit card transactions post and settle during that statement cycle.
(2) Unlimited ATM fee refunds. Requires $1,000 minimum daily balance or get $20 in ATM refunds per statement cycle with less than $1,000 daily balance.
(3) 1.00% Annual Percentage Yield on balances of $0-10,000. Requires at least 10 debit card transactions post and settle during that statement cycle. Daily balances over $10,000 or if 10 debit card transactions do not post and settle during that statement cycle, earn 0.05% APY.
(4) Service fee waived if there is one of the following per month: bill pay, electronic deposit, electronic withdrawal.
(2) Unlimited ATM fee refunds. Requires $1,000 minimum daily balance or get $20 in ATM refunds per statement cycle with less than $1,000 daily balance.
(3) 1.00% Annual Percentage Yield on balances of $0-10,000. Requires at least 10 debit card transactions post and settle during that statement cycle. Daily balances over $10,000 or if 10 debit card transactions do not post and settle during that statement cycle, earn 0.05% APY.
(4) Service fee waived if there is one of the following per month: bill pay, electronic deposit, electronic withdrawal.
