By opening a new checking and savings account and completing a few simple steps

• Open a new checking account
• Set up recurring direct deposit
• Enroll in eStatements
• Make 20 debit card purchases

• Open a new Savings or Money Market account
• Enroll in Save Your Change
  Requires checking account & debit card transactions
• Enroll in eStatements
• Make a $50 minimum deposit

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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.

TAP & WIN

TAP FOR A CHANCE TO WIN $500³

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American Bank & Trust is giving you a chance to WIN $500 each month when you use your AB&T Debit Card. Each time you use your Debit Card, you’re automatically entered to win!

Don’t have an American Bank & Trust Debit Card?

We can help you open a new checking account today. Compare our accounts now and let us help you find the creative freedom to achieve your financial goals.

Speak with a banker to open an account at any of our American Bank & Trust locations.

Disclaimer

1) To receive the $500 Account Opening Bonus: Offer available from July 1 – August 31, 2026, 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 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. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. 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. 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 existing AB&T checking account customers, 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. Offer is not available to non-resident aliens or foreign entities. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Eligible Checking Account – Totally Free Checking.

2) The $100 Savings Bonus is available during the promotional period of July 1 – August 31, 2026 and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. The Savings Bonus is open to new and current AB&T consumer checking account customers who open a new savings account at AB&T that meets the following requirements: 1) Open a new AB&T Savings account; AND within the promotional period: 2) enroll in the Save Your Change program; AND 3) enroll in eStatements within 30 days of account opening. New savings 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. AB&T savings accounts have a minimum balance required; fees such as service charges will apply if accounts fall below minimum. Other fees may apply; see fee schedule for details. After the qualifications have been met, we’ll deposit the bonus into your new account within 45 days. If the new savings account is closed within 90 days after opening, the account will be subject to a $25 early closure fee. Eligibility may be 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 Savings Accounts and Rates – Savings is $100 minimum balance savings account with a quarterly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $10,000.00 will receive an APY of 0.01%. Those with an average account balance of $10,000.01 – $25,000.00 will receive an APY range of 0.01% – 0.03%. Those with an average account balance of $25,000.01 – $50,000.00 will receive an APY range of 0.03% – 0.07%. Those with an average account balance of $50,000.01+ will receive an APY range of 0.07% – 0.25%. APY’s are accurate as of 04/01/2026. Rates on variable accounts may change after the account is opened. The bonus is not included in the Annual Percentage Yield (APY).

A blended rate is an interest rate applied to an account that reflects a combination of two or more different rates. It typically occurs when different portions of a balance are subject to different interest rates based on predefined tiers.

Example Calculation
Let’s say an account has two interest rate tiers:
Tier 1: Applies up to a certain maximum amount
Tier 2: Applies to any amount exceeding Tier 1, up to another maximum
Additional Tiers follow the above

3) $500 Tap & Win Promotional period begins the first day of each month and ends the last day of each month. One $500 cash prize, may be adjusted at American Bank & Trust’s discretion, will be given at the end of the months promotional period. All entrants have a chance at winning. Entrants may have their names submitted without use of debit card in person or at any of our bank locations, or entrant names will be submitted on behalf of the bank each time a customer uses their Debit Card to make purchases. Purchases must post and settle by the last day of the promotional period for the entry to be submitted into the promotion. H.S.A. Card transactions are distributions and are not considered purchases for the purposes of this promotion. Winner will be drawn at random. Winner will be announced and contacted directly within 10 days after the end of the promotional period. Eligibility requirements to enter or win: Must be South Dakota, Minnesota, or North Dakota resident; Must be age 18 or older; No need to be a customer; No purchase necessary. There is one prize available, with the odds of winning the prize being 1 out of the total number of eligible entries received. The prize value may be reported on a 1099-INT or 1099-MISC. Promotion is sponsored and promoted by American Bank & Trust, 200 E 10th Street, Sioux Falls, SD 57104. VISA is a registered trademark of VISA International Service Association and is used by the issuer under a licensing agreement.