Consumer Checking Accounts

American Bank checking accounts make banking easier by providing a variety of accounts designed to meet your needs. Many of our accounts are service charge free entirely, or with a minimum balance of $300 or more. If you have any questions, feel free to ask your American Bank representative.

Basic Advantage
For our customers with limited check writing needs.

Monthly Fee (1)	Account Features
$3.00 ($.50/check written over 10 debits*)	• Unlimited CashCard™ withdrawals (5) • No minimum balance • Advantage Reserve protection (4) • Direct deposit • ATM access • VISA check card (6) • Automatic loan payment transfer • 24 hour telephone banking • Internet banking • Bill payment

Flexible Advantage
Perfect for our customers whose balances fluctuate.

Monthly Fee (1)	Account Features
$7.00 (Activity charge of $.25/debit over 40 debits*)	• Unlimited CashCard™ withdrawals (5) • No minimum balance • Advantage Reserve protection (4) • Direct deposit • ATM access • VISA check card (6) • Automatic loan payment transfer • 24 hour telephone banking • Internet banking • Bill payment

Balance Advantage
For our customers who want checking convenience by maintaining a minimum balance.

Monthly Fee (1)	Account Features
$7.00 (If balance falls below minimum, an activity charge of $.25/debit over 25 debits*)	• Unlimited CashCard™ withdrawals (5) • Advantage Reserve protection (4) • Direct deposit • ATM access • VISA check card (6) • Automatic loan payment transfer • 24 hour telephone banking • Internet banking • Bill payment

Monthly fee waived with minimum daily balance of $300.00 in checking or an average daily balance of $750.00 in checking or a minimum daily balance of $2,000.00 in Interest Advantage, Performance Advantage, American Way Savings, Certificate of Deposit or Individual Retirement Account.

Student Advantage
For our students 22 and under currently in school.

Monthly Fee (1)	Account Features
No monthly fee (3) (Activity charge of $.25/debit over 20 debits*)	• Unlimited CashCard™ withdrawals (5) • No minimum balance • Advantage Reserve protection (4) • Direct deposit • ATM access • VISA check card (6) • Automatic loan payment transfer • 24 hour telephone banking • Internet banking • Bill payment

Senior Advantage
For our customers age 49 and over.

Monthly Fee (1)	Account Features
No monthly fee (3)	• Free American Bank logo checks • Unlimited CashCard™ withdrawals (5) • No minimum balance • Advantage Reserve protection (4) • Direct deposit • ATM access • VISA check card (6) • Automatic loan payment transfer • 24 hour telephone banking • Internet banking • Bill payment

Senior Prime Advantage
Interest bearing account for our customers age 49 and over (2).

Monthly Fee (1)	Account Features
No monthly fee (3)	• Free American Bank logo checks • Unlimited CashCard™ withdrawals (5) • No minimum balance • Advantage Reserve protection (4) • Direct deposit • ATM access • VISA check card (6) • Automatic loan payment transfer • 24 hour telephone banking • Internet banking • Bill payment

Prime Advantage
Interest bearing account ideal for our customers who keep higher account balances (2).

Monthly Fee (1)	Account Features
$10.00 (If balance falls below minimum, an activity charge of $.25/debit over 25 debits*)	• Unlimited CashCard™ withdrawals (5) • Advantage Reserve protection (4) • Direct deposit • ATM access • VISA check card (6) • Annual safe deposit box credit • Automatic loan payment transfer • 24 hour telephone banking • Internet banking • Bill payment

Monthly fee waived with minimum daily balance of $1,000.00 in checking or an average daily balance of $2,000.00 in checking or a minimum daily balance of $3,500.00 in Interest Advantage, Performance Advantage, American Way Savings, Certificate of Deposit or Individual Retirement Account.

* Please see Deposit Account Agreement for additional information.

1. All account fees are subject to change.
2. The interest rate and annual percentage yield may change at our discretion.
3. Except those noted under "Other Account Fees" in the Deposit Account Agreement.
4. Available from savings account or qualified Advantage Reserve.
5. An additional $1.00 will be charged for withdrawals made at non-CashCard™ machines.
6. Must meet eligibility requirements.