Disclaimer

$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.

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 are accurate as of 6/24/2025. 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 6/24/2025. Rates on variable accounts may change after the account is opened. Offer is not available to non-resident aliens or foreign entities.