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 monthly service fee waived with a minimum daily balance of $300 or an average daily balance of $750; also avoid this fee by maintaining 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
- $2 automatic sweeps from other American Bank accounts to prevent overdrafts
package checking
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
- Free online banking and mobile deposit
- $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
- Overdraft protection available (must apply for approval/includes fees)
Student Checking
An 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
- 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 monthly charge for paper statements if not enrolled in e-statements
Senior Checking
An interest bearing account for individuals 49 and above
- Free bill pay
- No minimum balance requirement
- Free first order of American Bank logo checks
- MasterCard debit card available
- Tiered variable interest rate
- Free online banking and mobile deposit
- 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)
- Free online banking and mobile deposit
- $8 annual safe deposit credit
- $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; also avoid this fee 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
- Free online banking and mobile deposit
- $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
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