Refer a Friend & Earn $150
When your referral opens a new checking account and qualifies for the $500 bonus within 90 days, you’ll receive a $150 credit in your account—it’s that simple! There’s no limit to the number of people you can refer, so the more you share, the more you earn. Plus, it’s a great way to introduce a friend to the benefits while helping them start strong with their new account. Don’t miss out on this effortless way to boost your balance—start referring today!
At AB&T, we offer tailored banking solutions to support your aspirations and help you thrive. Let us be your partner in achieving success this year. Compare our accounts or contact your local banker to find the best set up for you.
Switching banks can be a difficult process. AB&T bankers are here to help you every step of the way. Check out our simple switch kit!
Refer a Friend & Earn $150
When your referral opens a new checking account and qualifies for the $500 bonus within 90 days, you’ll receive a $150 credit in your account—it’s that simple! There’s no limit to the number of people you can refer, so the more you share, the more you earn. Plus, it’s a great way to introduce a friend to the benefits while helping them start strong with their new account. Don’t miss out on this effortless way to boost your balance—start referring today!
At AB&T, we offer tailored banking solutions to support your aspirations and help you thrive. Let us be your partner in achieving success this year. Compare our accounts or contact your local banker to find the best set up for you.
Switching banks can be a difficult process. AB&T bankers are here to help you every step of the way. Check out our simple switch kit!
The $150 referral bonus is available July 1 – August 30, 2025 and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. The referral program is open to any current AB&T consumer customer who refers a new customer to open an AB&T consumer checking account that meets requirements. Requirements for the referred account, which can also earn a $500 bonus: 1) Open a new AB&T checking account in-person at an AB&T branch; AND within 90 days of account opening: 2) Have 2 direct deposits made to this account totaling at least $500; AND 3) Enroll in eStatements; AND 4) Have at least 20 debit card transactions on the account. Person to Person payments (such as Zelle®) or external bank to bank transfers using the ACH network are not considered a direct deposit.
New checking accounts are subject to approval. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Fees may reduce earnings. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. After the qualifications have been met, we’ll deposit the bonus in your new account within 45 days. If the new checking account is closed within 90 days after opening, the account will be subject to a $25 early closure fee. Employees of AB&T and their immediate family members are eligible to participate as long as they are bank customers. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is not available to non-resident aliens or foreign entities.
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. Relationship Checking: Account holders will receive an APY range of 0.05% – 1.00% based on qualifications. See rate sheet for more details.; Relationship+ is a no minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Relationship +: Account holders will receive an APY range of 0.05% – 1.00% based on qualification. See rate sheet for more details.; 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%-0.04%. Account holders with an average account balance of $50,000.01-$100,000 will receive an APY range of 0.04%-0.07%. Those with an average account balance of $100,000.01 – $150,000.00 will receive an APY range of 0.07% – 0.10%. Those with an average account balance of $150,000+ will receive APY range of 0.10% – 0.30%. APY’s for above accounts are accurate as of 12/19/2024. Private Client Checking: Account holders with an average account balance of $0.01 – $20,000.00 (Tier 1) will receive an APY of 1.66%. Those with an average account balance of $20,000.01+ (Tier 2) will receive an APY range of 1.01% – 1.65%. Account holders that do not meet the qualifications for Tier 1 or 2 with an average account balance of $0.01+ will receive an APY of 0.50%. See rate sheet for details on tier qualification. APY’s are accurate as of 4/9/2025. Rates on variable accounts may change after the account is opened.
