¹ Offer available from March 6 – April 29, 2023, and American Bank & Trust reserves the right to withdraw this offer at any time without notice. Accounts are subject to approval. If the checking account is closed by the customer within 90 days after opening, the account will be subject to a $25 early closure fee. Terms, conditions and fees for accounts, products, programs, and services are subject to change and may be withdrawn at any time prior to account opening. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Fees may reduce earnings. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Offers not available to existing American Bank & Trust checking account customers or those whose accounts have been closed within 6 months or closed with a negative balance within the last 3 years. Limit one new checking account opening related bonus every two years from the last bonus payout date. Limit one bonus per account and per customer. To receive the $250 Account Opening Bonus: 1) Open a new American Bank and Trust checking account, which is subject to approval; AND 2) Have your direct deposit made to this account within 90 days of coupon redemption. Person to Person payments (such as Zelle®) or external bank to bank transfers using the ACH network are not considered a direct deposit. After you have completed all above checking requirements, we’ll deposit the bonus in your new account within 45 days. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 104-S, if applicable.) Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Eligible Checking Accounts and Rates – ¹Relationship Checking is a no minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain the APY. Relationship Checking account holders with an average account balance of $0.01 – $10,000.00 will receive an APY of 0.05%. Those with an average account balance of $10,000.01+ will receive an APY of 0.05%. ²Relationship+ Plus Checking is a no minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $25,000.00 will receive an APY of 0.05%. Those with an average account balance of $10,000.01+ will receive an APY of 0.05%. ³High Interest Checking is a $1,500.00 minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $1,500.00 will receive an APY of 0.01%. Those with an average account balance of $1,500.01 – $15,000.00 will receive an APY range of 0.01% – 0.03%. Those with an average account balance of $15,000.01 – $50,000.00 will receive an APY range of 0.03% – 0.18%. Account holders with an average account balance of $50,000.01 – $100,000 will receive an APY range of 0.18% – 0.42%. Those with an average account balance of $100,000.01 – $150,000.00 will receive an APY range of 0.42% – 0.53%. Those with an average account balance of $150,000.01+ will receive an APY range of 0.53% – 1.11%. APY’s are accurate as of 2/22/23. Rates on variable accounts may change after the account is opened.

* No purchase necessary to win. Purchase or payment of any kind will not increase your odds of winning. Sweepstake prizes includes the below items with estimated retail value and quantity of each prize to be awarded.

• 250 Relationship Rewards Points – Retail Value of $2.50 – 1,000 To Be Awarded
• 500 Relationship Rewards Points – Retail Value of $5.00 – 500 To Be Awarded
• 750 Relationship Rewards Points – Retail Value of $7.50 – 432 To Be Awarded
• Feelin’ Lucky T-Shirt – Retail Value of $14.99 – 51 To Be Awarded
• $100 Deposit to AB&T Account – Retail Value of $100 – 17 To Be Awarded

All prizes are non-transferable, and no substitution will be made except as provided herein at the sponsor’s sole discretion. AB&T reserves the right to substitute a prize for one of equal or greater value of the original prize. Sweepstakes is open only to legal residents of the 50 United States (including District of Columbia) who are at least 18 years old at the time of entry. The immediate family (spouse, parents, siblings, and children) and household members of American Bank & Trust employees are not eligible for the sweepstakes. The Sweepstakes Entry Box is open from March 6 through April 29, 2023. All winners will be announced no later than May 31, 2023. Winners will be contacted by American Bank & Trust through email and/or telephone. Individuals may only win 1 prize during the sweepstakes. Odds of winning are 1 out of 1,734. Eligible entries are submitted by individuals that 1) Find and click the hidden Pot Of Gold hidden throughout our American Bank & Trust website; 2) Complete the digital scratcher to see your prize: 3) Fill out and submit the digital entry form that appears after completing the digital scratcher. You may also enter the sweepstakes by visiting any American Bank & Trust branch during business hours and requesting a Pot Of Gold Sweepstakes Scratch Game. If you choose to enter the sweepstakes in branch, your name will be submitted for the Pot Of Gold Sweepstakes and reviewed for multiple entries. Reviewal process may take up to 5 business days. This sweepstakes is sponsored by American Bank & Trust of 6810 S. Minnesota Ave, Sioux Falls, SD 57108 with a phone number of (605) 961-3911. American Bank & Trust is not responsible for lost, late, incomplete, or other invalid entries, which will be disqualified. This sweepstakes is in no way sponsored, endorsed, administered by or associated with the social media platforms in which it is posted. Winners of the Sweepstakes will be posted on American Bank & Trust media channels and website following the completion of the sweepstakes. Winner must comply with all rules and conditions stated herein, or another winner will be chosen. The sweepstakes winner will need to accept the prize in person at their local American Bank & Trust branch, or by making mailing arrangements with American Bank & Trust. The sweepstakes winner agrees that any photography taken during the acceptance of the prize, or images of the winner and prize sent to American Bank & Trust may be shared on American Bank & Trust’s media channels. After notification, if winner does not contact American Bank & Trust within three days of notification date to make arrangements for collecting their prize, the initial winner will forfeit the prize and an alternate winner will be chosen. The sweepstakes prizes are not available for a cash alternative. By participating or receipt of any prize, participants and winner agrees to indemnify, release, and hold harmless American Bank & Trust, sponsor, and their respective subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies and each of their respective parent companies or related companies and each such company’s officers, directors, employees and agents {collectively, the “Released Parties”} from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, related directly or indirectly as a result of participation in the sweepstakes or receipt or use or misuse of any prize. Sweepstakes promotion shall be governed by, and construed in accordance with, the laws of the State of South Dakota. Entrants agree that any and all disputes, claims and causes of action arising out of or connected with AB&T Sweepstakes or any prize awarded shall be resolved individually, without resort to any form of class action. American Bank & Trust reserves the right to cancel, suspend and/or modify the sweepstakes, or any part of it, if any fraud, technical failures, or any other factor beyond administrator’s reasonable control impairs the integrity or proper functioning of the sweepstakes, as determined by administrator in its sole discretion. In such event, administrator reserves the right to award the prizes at random from among the eligible entries received up to the time of the impairment. Participation constitutes entrant’s full and unconditional agreement to these Official Rules and sponsor’s and administrator’s decisions, which are final and binding in all matters related to the promotion. Winning a prize is contingent upon fulfilling all requirements set forth herein. The prize value may be reported on a 1099-INT or 1099-MISC. Void where prohibited by law or regulation.