Personal Account Opening Bonus


American Bank & Trust is rewarding you just for opening a new checking account¹. Enjoy a $100 Bonus with account opening from AB&T.


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¹All Accounts – All accounts are subject to approval. Bonus offer 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. To receive the 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. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. If the checking account is closed by the customer or American Bank & Trust, within six months after coupon redemption, we will deduct the bonus amount for that account at closing. Eligibility may be limited based on account ownership. American Bank & Trust reserves the right to withdraw this offer at any time without notice. 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 Terms, conditions and fees for accounts, products, programs, and services are subject to change and may be withdrawn at any time prior to account opening. Fees may reduce earnings. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Contact us for applicable rate, term, or fee details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. $2 for each check book and Debit Card from another financial institution given at the time the checks/Debit cards are presented, up to $10. Bonus may be reported on a 1099-INT or 1099-MISC. Minimum balance of $0 is required to obtain the Bonus. American Bank & Trust reserves the right to end this promotion at any time without notice. Promotion is not combinable with other promotions.

²Relationship Checking – When qualifications are met, the interest rate on your account and corresponding annual percentage yield will be tiered. You must have 10 Debit Card purchases and 1 automatic ACH debit or credit for Relationship Checking post and settle by end of banking day on the statement cycle cut-off day to obtain the premium Annual Percentage Yield and interest rate tiers on respective accounts. Debit Card purchases received by us as ATM transactions do not count toward qualifying Debit Card purchases. These transactions may not be in a pending state to qualify as one of the Debit Card per statement cycle qualifications. Transactions may take one or more banking days from the date the transaction was made to post to and to settle in an account.

³High Interest Checking – The High Interest Checking account earns a tiered variable rate and annual percentage yield depending on account balance. Rates, terms and fees are subject to change. When the High Interest Checking preferred rate qualifications are met, the interest rate on your account and corresponding annual percentage yield will be tiered. Maintain $1,500 minimum balance to avoid $5 monthly service charge.

⁴Your mobile carrier’s data and text messaging rates may apply, check with your mobile provider for individual mobile contract details.

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