We understand you have your own interests, inspirations and goals for the future. We want to help you define those financial goals and provide solutions that will best work for you. From free checking to debit card cash rewards and free ATM transactions, you're sure to find the perfect checking or savings account to meet your unique financial needs. Best of all, you can get started by opening your account online! 

COMPARE	Checking Accounts			Savings Accounts
	Free Checking Formerly American Free Checking Apply Online	Smart Rewards Checking Formerly American Rewards Checking Apply Online	Community Rewards Checking   ApplyOnline	Simple Savings Formerly American Savings Apply Online	Money Market     Apply Online	Investors Advantage     Apply Online
Description	A free and easy to manage account.	An interest-earning account for customers who maintain a relationship with American Bank Center.	An interest-earning account for the customers and the community. Learn More	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
Free Bill Pay
Free eStatement
Free Phone Banking
Debit/ATM Card				ATM Card Only
Interest Earned	No
Minimum Daily Balance to Earn Interest	N/A	$1,000	N/A	$100	$1,000	$10,000
Qualifications to earn rewards:	None	None	10 debit card transactions post and settle during that statement cycle	None	None	None
Rewards	None	Free Cashier's Checks   Five free ATM transactions per month	Debit Rewards (1) Free ATMs (2) 1.02% APY (3)	None	None	None
Service Charge	None	$5 monthly service charge if none of the following qualifying balances are met: $1,000 minimum daily balance in checking OR $5,000 combined deposits OR  $5,000 lending relationship	$5 monthly service charge if daily balance falls below $100 during statement cycle (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) 1.02% 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. The APY is accurate as of 4/16/20. Rates may change after the account is opened. Fees could reduce the earnings on the account.
(4) Service fee waived if there is one of the following per month: bill pay, electronic deposit, electronic withdrawal.