¹Offer available from May 1 – June 24, 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. 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 Annual Percentage Yield. 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%. ²High 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 4/11/2023. Rates on variable accounts may change after the account is opened.