Personal Checking

American Bank & Trust checking accounts pack in extras you deserve. But we’re about more than just convenience, rewards points, flexibility, and freebies. When you open a checking account with us, you’ll get connected to a Personal Banker that’s ready to help you dream big and live well. Let us help you find the creative freedom to achieve your financial objectives.

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There is no minimum balance required and no monthly fee. Other fees may reduce earnings. Rates, terms and fees are subject to change. When the Relationship Checking 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 processed by merchants and 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.

All accounts have minimum opening deposit of $50. Other fees such as non-sufficient funds, overdrafts, etc may apply. Contact your local banker for current rates and fees. $2 for each check book and Debit Card from another financial institution given at the time the check book/Debit Cards are presented, up to $10.

Between 4/12/21 and 6/4/21, earn up to 3,000 Relationship Rewards Bonus Points when you perform the following: Earn 500 bonus points when you open a new consumer checking account product with American Bank & Trust and enroll in Relationship Rewards. Earn up to 2,500 bonus points by performing the following within 30 days of opening the checking account and enrolling Relationship Rewards: Earn 500 bonus points when you have or open a savings account or money market savings account; earn 500 bonus points after your first Save Your Change transfer posts to your account; earn 500 bonus points when you enroll in eStatements; earn 500 bonus points when your first direct deposit posts to your checking account; and earn 500 bonus points after your first purchase using your enrolled debit card. Bonus points will be credited to your uChoose Rewards account and be available for use between 6 and 8 weeks after meeting all criteria. Customer must open a new consumer checking account and debit card and enroll in Relationship Rewards at before any additional bonus points can be earned. Checking account must be open and in good standing at the time of any bonus point award credits. Customer may not earn 3,000 bonus points if not all services are opened or if the customer does not enroll in those services or does not perform the minimum transactions within the stated timeframes. 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. 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. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges.

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