Thank You for Participating!

You can find the white eagle in the bottom left quadrant.

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Get Rewarded with Our Totally Free Checking Account

With Totally Free Checking you don’t need to keep a minimum balance and you won’t be charged a monthly service charge. Other great features include Online Banking, Mobile Banking with Mobile Deposit, Bill Pay, eStatements with online check images, person-to-person payments with Popmoney® and more – all FREE. Want versatility? That’s Totally Free Checking.


  • FREE Debit Card
  • Eligible customers earn Buzz Points reward points with every Debit Card purchase
  • Over 90,000 surcharge FREE ATMs in the Allpoint
    and MoneyPass networks worldwide
  • FREE Online Banking
  • FREE Bill Pay and Popmoney®
  • FREE Mobile Banking with Mobile Deposit*
  • FREE eStatements with online check images
  • FREE Thank You gift with account opening
  • We’ll buy-back of up to $10 for your unused checks and Debit Cards from another financial institution
  • Only a $50 minimum deposit is needed to open your account


*Annual Percentage Yield.  There is no minimum balance requirement and no monthly fee.  Other Fees may reduce earnings.  See American Bank & Trust Fee Schedule for other charges that apply to this account.  The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account.  We may change the interest rate on your account at any time.  When the Relationship Checking qualifications are met, the interest rate on your account and corresponding annual percentage yield will be tiered.  If your average daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 3.00% with an annual percentage yield of 3.00%.  An interest rate of 0.25% will be paid only for that portion of your average daily balance that is greater than $10,000.00.  The annual percentage yield for the account will range from 0.25% to 3.04% depending on the balance in the account.  When the Relationship Checking qualifications are not met, the interest rate on your account will be 0.10% and the annual percentage yield will be 0.10%.

Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fess such as non-sufficient funds, overdraft, etc, may apply. See fee schedule for details. Free gift may be reported on a 1099-MISC. Free gift provided at the time of account opening. $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.

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


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