A Totally Free Checking¹ Account With A Special Bonus

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A Totally Free Checking¹ Account With A Special Bonus

New Customers can earn $250 when you open a checking account with direct deposit.²

Earn $250 when you open a checking account with direct deposit.²

Reward Yourself With The Way You Spend

Get Rewarded While You Shop⁴

From November 17 – 28, enjoy 2 points for every $1 spent. Start the holidays off right!

Debit Card not enrolled in Relationship Rewards? Sign Up Now – It’s Free!

Disclaimer

¹ Totally free checking: 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.

² To receive the $250 Account Opening Bonus: Offer available from October 16 – December 16, 2023, and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. Accounts are subject to approval. 1) Open a new AB&T checking account; AND 2) Have your direct deposit made to this account within 90 days of opening. Person to Person payments (such as Zelle®) or external bank to bank transfers using the ACH network are not considered a direct deposit. After the qualifications have been met, we’ll deposit the bonus in your new account within 45 days. 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. Eligibility may be limited based on account ownership. Offers not available to 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 per customer. Limit one bonus per account and per customer. 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.

³ To Receive The ‘Swipe & Reap The Rewards’ Bonus: AB&T Debit Cards will need to be enrolled in Relationship Rewards prior to earning swipes towards this bonus. Once the debit card is enrolled, you will earn 1,000 points when the enrolled card has 15 or more swipes during the month of October, November, and/or December of 2023. Maximum of 1,000 points per enrolled card per month through this bonus. Bonus will not be rewarded on a percentage base if 15 swipes on the enrolled card is not accrued.

⁴ To Receive The ‘Rewarded While You Shop’ Bonus: AB&T Debit Cards will need to be enrolled in Relationship Rewards prior to earning points from this bonus. Enrolled debit cards will earn 2 points for every $1 dollar spent between 11/17/23 and 11/28/23. All other card types will earn the standard 1 point for every $2 on signature-based transactions, and 1 point for every $4 on everything else. uChoose Rewards is not an affiliate of AB&T. uChoose Rewards is a registered trademark of Fiserv, Inc. All names and logos are trademarks of their respective owners. All rights reserved.

Eligible Checking Accounts and Rates – Totally Free Checking; Relationship 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%. High 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 9/6/2023. Rates on variable accounts may change after the account is opened.