checking accounts to fit your needs
Whether you're seeking a basic checking account or one that offers advanced benefits, you'll find it at American Bank. All of our accounts include a debit card. Stop by a local branch to apply.
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regular checking
package checking
student checking
senior checking
interest checking
health savings account
regular checking
Simple checking convenience
- Free bill pay
- MasterCard debit card available
- Bank-to-bank transfers
- Person-to-person payments
- Free monthly electronic statements
- Overdraft protection available (must apply for approval/includes fees)
- Free online banking and mobile deposit
- $7 minimum balance service charge fee, per statement cycle, waived with a minimum daily balance of $300 or average daily balance of $750 in this account; or minimum daily balance of $2,000 in your other American Bank checking, savings, Certificate of Time Deposit, or IRA
- Electronic statements required; $3 paper statement fee, per statement cycle, if not enrolled in electronic statements
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
package checking
Bundle your checking and savings to minimize fees
- Free bill pay
- No minimum balance service charge fee
- MasterCard debit card available
- Bank-to-bank transfers
- Person-to-person payments
- Free monthly electronic statements
- Free online banking and mobile deposit
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
- Electronic statements required; $3 paper statement fee, per statement cycle, if not enrolled in electronic statements
- Overdraft protection available (must apply for approval/includes fees)
- A Package Savings account must be maintained in conjunction with this account
Student Checking
An account for students 24 years of age or younger
- Free bill pay
- No minimum balance service charge fee
- MasterCard debit card available
- Bank-to-bank transfers
- Person-to-person payments
- Free monthly electronic statements
- Free online banking and mobile deposit
- Overdraft protection available (must apply for approval/includes fees)
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
- Electronic statements required; $3 paper statement fee, per statement cycle, if not enrolled in electronic statements
Senior Checking
An interest bearing account for individuals 49 and above
- Free bill pay
- No minimum balance service charge fee
- Free first order of standard checks
- MasterCard debit card available
- Tiered variable interest rates
- All balances earn interest
- Free online banking and mobile deposit
- Bank-to-bank transfers
- Person-to-person payments
- Free statements statements (paper and electronic), per statement cycle
- Overdraft protection available (must apply for approval/includes fees)
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
All account fees and interest rates are subject to change. The interest rate and annual percentage yield may change at our discretion
Interest Checking
This account allows those who keep a higher account balance to earn interest.
- Free bill pay
- Tiered variable interest rates
- All balances earn interest
- MasterCard debit card available
- Bank-to-bank transfers
- Person-to-person payments
- Free statements (paper and electronic), per statement cycle
- Overdraft protection available (must apply for approval/includes fees)
- Free online banking and mobile deposit
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
- $10 minimum balance service charge fee, per statement cycle, waived with minimum daily balance of $1,000 or average daily balance of $2,000 in this account; or a minimum daily balance of $3,500 in your other American Bank checking, savings, Certificate of Deposit, or IRA
All account fees and interest rates are subject to change. The interest rate and annual percentage yield may change at our discretion
Health Savings Account
For customers with a qualifying high deductible health plan
- Free first order of standard checks
- Interest-bearing account with a variable interest rate
- Free online banking and mobile deposit
- Free monthly electronic statements
- $1,500 minimum daily balance to earn interest
- $2.50 minimum balance service charge fee, per statement cycle, fee waived with minimum daily balance of $1,500
- Electronic statements required; $3 paper statement fee, per statement cycle, if not enrolled in electronic statements
All account fees and interest rates are subject to change. The interest rate and annual percentage yield may change at our discretion
Please see Fee Schedule, Rate Sheet, and Deposit Account Agreement for detailed information
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