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
This account offers 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)
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
- $7 monthly service fee is waived with a minimum daily balance of $300 or an average daily balance of $750. Another way to avoid this fee is to maintain a minimum daily balance of $2,000 in a Regular Savings, Money Market, Certificate of Time Deposit, or IRA account.
- $3 service charge for monthly paper statements if not enrolled with electronic statements
package checking
This is a checking and savings account bundle with minimal to no monthly fees.
- 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)
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
- Electronic statements required; $3 monthly charge for paper statements if not enrolled in e-statements
Student Checking
This is a free account for students 24 years of age or younger.
- Free bill pay
- No minimum balance
- 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)
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
- Electronic statements required; $3 monthly charge for paper statements if not enrolled in e-statements
Senior Checking
This is an interest bearing account for individuals 49 years of age or older.
- Free bill pay
- No minimum balance requirement
- First order of American Bank logo checks free
- MasterCard debit card available
- Tiered variable interest rate
- Bank-to-bank transfers
- Person-to-person payments
- Free monthly statements
- Overdraft protection available (must apply for approval/includes fees)
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
Interest Checking
This account allows those who keep a higher account balance to earn interest.
- Free bill pay
- Tiered variable interest rates
- MasterCard debit card available
- Bank-to-bank transfers
- Person-to-person payments
- Free monthly statements
- Overdraft protection available (must apply for approval/includes fees)
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
- $10 monthly service fee is waived with minimum daily balance of $1,000 or an average daily balance of $2,000; this service charge can also be avoided by maintaining a minimum daily balance of $3,500 in a Regular Savings, Money Market, American Way Plus Money Market, Certificate of Deposit, or IRA account
For customers with a qualifying high deductible health plan
- First order of standard checks are free
- Interest-bearing account with a variable interest rate
- $1,500 minimum balance to earn interest
- $2.50 monthly service charge is waived with $1,500 daily balance
- Electronic statements required; $3 monthly charge for paper statements if not enrolled in e-statements
compare accounts
| Heading 1 | regular checking | package checking | student checking | senior checking | interest checking | health savings account |
|---|---|---|---|---|---|---|
| ACCOUNT TYPE | Simple checking account |
Combined checking and savings package | Free account for students 24 and younger | Interest-bearing account for individuals 49 years of age or older |
Interest-bearing account for customers who keep a higher account balance |
For customers with a qualifying high deductible health plan |
|
FEATURES |
Free checking with a minimum daily balance of $300 |
Checking/Savings Combo account with no monthly service charge |
No monthly service charge | Free first order of standard checks | Annual safe deposit credit of $8 | Free first order of standard checks |
| ACCOUNT BALANCE FEES |
$7 monthly service fee without minimum balance
|
No balance fees | No balance fees |
No balance fees; other fees may apply |
$10 monthly service fee may apply
|
$2.50 monthly service charge may
apply
|
| INTEREST RATE | N/A | N/A | N/A | Tiered variable rates | Tiered variable rates |
Tiered variable rates |
| BALANCE REQUIRED TO EARN INTEREST | N/A | N/A | N/A |
All balances earn interest | All balances earn interest | $1,500 daily balance to earn interest |
| MINIMUM DEPOSIT TO OPEN ACCOUNT | No Opening Deposit Required | No Opening Deposit Required | No Opening Deposit Required | No Opening Deposit Required | No Opening Deposit Required | No Opening Deposit Required |
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