Checking & Savings
Nothing should stop you from achieving your financial goals, because we’re right beside you. Free checking and savings accounts, debit card rewards and free ATM transactions, there’s a solution to meet your needs. Get started by opening an account online.
| COMPARE | Checking Accounts | Savings Accounts | ||||
|---|---|---|---|---|---|---|
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Free
Checking
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Smart Rewards Checking
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Community Rewards Checking
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Simple
Savings
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Money
Market
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Investors Advantage
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| Description | A free and easy-to-manage checking account. |
An interest-earning checking account for customers who maintain a relationship with American Bank Center. |
An interest-earning checking account with debit card rewards (1), free ATM transactions(2), and more. |
Low minimum balance requirements make 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 |
| 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)
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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
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$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 |
(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.
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