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

Free
Checking

 Smart Rewards Checking

Community Rewards Checking
 
Simple
Savings

Money
Market 
 
Investors Advantage
 
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. 

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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
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. 

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