Our AMERICAN INCENTIVE CHECKING offers you the incentive to yield a high monthly interest rate with no minimum balance required to earn interest, the incentive to expedite your entire banking experience by viewing and controlling your account through your American Bank & Trust internet banking site and utilizing your Visa Debit Card, the incentive to become environmentally conscience by receiving your monthly statement electronically. One does not have to think twice about taking advantage of this high yielding interest account and stepping into the future of banking. (See qualifying requirements below)

Account Requirements

• Make at least 15 debit card transactions per statement cycle. All transactions must clear and post to your account during the qualifying statement cycle. Statement cycle will be from the 1st day of the month until the end of the banking month.
• Must have at least one (1) direct debit or credit (ACH) to or from your account during your statement cycle.’
• Must receive your monthly statement electronically.

Tier 1: Highest yielding tier is applied to balances from $0.01 to $50,000 and all requirements are met.

Tier 2: Applied to balances greater than $50,000 and you have met the requirements. The excess balance above $50,000 will receive the second highest rate of interest.

Tier 3: Is the lowest yield of interest and only occurs if the requirements are not met.

Additional Account Information

• $50.00 opening deposit.
• $500 daily minimum balance required to avoid a $10 monthly service fee.
• Earn interest on daily collected balance.
• Unlimited debits or credits (checks, ATM/Visa Check transactions or automatic deposits or withdrawals) at no charge per statement cycle.
• ATM/Visa Debit Card ordered at account opening.
• Monthly electronic statements. (Required)
• $16 surcharge reimbursement on ATM transaction fees from any ATM Nationwide per statement cycle.
• Free 24/7 Bank by Phone services (1-888-389-2265)
• Free Mobile Banking Services: Mobile check deposit, mobile bill pay, transfers, text alerts, and more…
• Free Online Banking Services: Detailed account transactions, transaction categories capability, bill pay, internal account transfers (including payments to loans), downloads, request for stop payments, check reordering and much more…

Additional Services Available**

• Bank My Change feature
• ATM/Visa Debit Card Personal PIN Change
• American Bank & Trust Personal Visa Credit Card available upon approval
• Visa Gift and Travel Cards available

**Please ask your customer service representative about these additional features and current account interest rates or visit our contact page.