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Personal Savings

In your lifetime, you save for a variety of reasons: a home, vacation, retirement, college education, or a rainy day. At American Bank, we have an account to help you reach your goals, whatever they may be. Make sure to ask about Health Savings Accounts, Montana Medical Accounts, and Individual Retirement Accounts and start saving today! Please contact us to learn more.

 

Regular/ Package Savings

A convenient savings tool that helps you reach short or long term goals.

Features and Benefits:

  • Variable interest rate earned
  • Mobile banking
  • Mobile deposits
  • Online banking
  • ATM access
  • Telephone banking
  • Six transfers or withdrawals per statement cycle
  • Rate is variable and may change after opening
  • Interest is compounded daily
  • Transfer between savings and checking accounts at American Bank and other financial institutions
  • Capable of providing overdraft protection for a checking account

The $4 per statement cycle can be waived by maintaining a daily balance of $300. There is a minimum opening deposit of $25.00.

 

Student / Senior Savings

An account for those customers who are either students up to the age of 24, or, are 49+ up and desire a simple way to save. This account makes it easy to save for the future, be it college or retirement.

Features and Benefits:

  • No monthly fee
  • No minimum balance required
  • Mobile banking
  • Mobile deposits
  • Online banking
  • ATM access
  • Telephone banking
  • Six transfers or withdrawals per statement cycle
  • Rate is variable and may change after opening
  • Interest is compounded daily
  • Transfer between savings and checking accounts at American Bank and other financial institutions
  • Capable of providing overdraft protection for a checking account

A Student or Senior Savings account requires a minimum opening deposit of $25.

 

Money Market

This account allows customers easy access to their money and earns interest too; this convenient savings account offers customers limited check writing privileges.

Features and Benefits:

  • Mobile banking
  • Mobile deposits
  • Online banking
  • Variable interest rate earned
  • ATM access
  • Telephone banking
  • Six transfers or withdrawals per statement cycle
  • Rate is variable and may change after opening
  • Interest is compounded quarterly
  • Transfer between savings and checking accounts at American Bank and other financial institutions
  • Capable of providing overdraft protection for a checking account

In order to enjoy the flexibility of this savings tool, the account holder must maintain a daily balance of $1,000 to avoid a $10 per statement cycle fee.

 

American Way

A market-rate savings account for customers who maintain higher balances in their account.

Features and Benefits:

  • Mobile banking
  • Mobile deposits
  • Online banking
  • Variable interest rate earned
  • ATM access
  • Telephone banking
  • Six transfers or withdrawals per statement cycle
  • Rate is variable and may change after opening
  • Interest is compounded daily
  • Transfer between savings and checking accounts at American Bank and other financial institutions
  • Capable of providing overdraft protection for a checking account

The monthly service charge of $10.00 can be avoided if a daily balance of $25,000 is maintained.

 

American Way plus MMDA

A premier tiered money market account with limited check writing privileges that allows customers to enjoy both a checking account and easy to access savings account with this combination product.

Features and Benefits:

  • Mobile banking
  • Mobile deposits
  • Online banking
  • Variable interest rate earned
  • ATM access
  • Telephone banking
  • Six transfers or withdrawals per statement cycle
  • Rate is variable and may change after opening
  • Interest is compounded monthly
  • Transfer between savings and checking accounts at American Bank and other financial institutions
  • Capable of providing overdraft protection for a checking account

The American Way plus MMDA account requires a checking account with a minimum balance of $5,000.00. If the balance in the adjoining account falls below $5000.00 we reserve the right to change the account to a money market account.

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