Three Great Opportunities To Cash In

Earn $250 When You Open A Checking Account With Direct Deposit

• Open one of the eligible checking accounts.

• Setup direct deposit for your new account.

Transactional Rewards

• Earn 1 point for every $1 spent on purchases when you use your Spirit Card and are enrolled in Relationship Rewards.

• Earn 2 points for every $1 spent during November 21st – 28th when you use your AB&T Debit Card.

Important Information

Offer begins on October 3,2022 and American Bank & Trust reserves the right to withdraw this offer at any time without notice. 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 Terms, conditions and fees for accounts, products, programs, and services are subject to change and may be withdrawn at any time prior to account opening. Fees may reduce earnings. 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. Offers 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. Limit one bonus per account and per customer. To receive the $250 Account Opening 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 the 2,500 Relationship Rewards Bonus: 1) Enroll your AB&T Debit Card in Relationship Rewards any day between 10/10/22 and 12/9/22. After you have completed all above relationship rewards requirements, we’ll deposit the bonus in your new account within 45 days. To receive the 500 Rewarding Wednesday Bonus: 1) Enroll your AB&T Debit Card in Relationship Rewards on one of the specific Wednesdays noted (10/12/22, 10/26/22, 11/9/22, 11/23/22, 12/7/22). To receive these bonuses, 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. After you have completed all above rewarding wednesday requirements, we’ll deposit the bonus in your new account within 45 days. Eligibility may be limited based on account ownership. American Bank & Trust reserves the right to withdraw this offer at any time without notice. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 104-S, if applicable.)

Spirit Cards -Spirit Cards currently and newly enrolled in Relationship Rewards will earn 1 point for every $1 dollar spent between 10/10/22 and 12/9/22. 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 American Bank & Trust. 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

¹Relationship Checking is a no 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 – $10,000.00 will receive an APY of 0.20%. Those with an average account balance of $10,000.01+ will receive an APY of $0.20.

²Relationship+ Plus Checking is a no 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 – $10,000.00 will receive an APY of 0.20%. Those with an average account balance of $10,000.01+ will receive an APY of $0.20.

³High 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% – 0.25%. Those with an average account balance of $100,000.01 – $150,000.00 will receive an APY range of 0.25% – 0.33%. Those with an average account balance of $150,000.01+ will receive an APY range of 0.33% – 0.75%.