Personal Banking // Classic American Checking

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Age has its privileges, and our Classic American Checking is one privilege you’ll appreciate. If you are 55 years of age or older this is the account for you, offering you an abundance of free or discounted features and pays you interest too. Yes it pays to be a mature adult at American Bank & Trust Co.

  • Must be 55 years or older
  • $100 minimum opening deposit
  • $100 daily balance required to avoid a $3 monthly service fee
  • Interest earned if daily collected balance is = or > than $500.
  • Unlimited debits and credits (checks, ATM/Visa Check transactions or automatic deposits or withdrawals) at no charge per statement cycle.
  • ATM/Visa Check card upon approval.
  • Free American Bank & Trust designer checks.
  • Free cashier’s checks.
  • Free one (1) stop payment per statement cycle.
  • Free one (1) outgoing US wire transfer per statement cycle.
  • 20% discount on Safe Deposit Box rental.
  • Free monthly imaged or electronic statements
  • $16 surcharge reimbursement on ATM transaction fees from any foreign “Bank Owned” ATMs nationwide per statement cycle.
  • Free monthly imaged statements or electronic statements through your internet banking site
  • Free 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 of transactions, transactions categories capability, bill pay, internal account transfers (including payments to loans) downloads, request for stop payments, check reordering & more.

Additional Features**

  • Bank My Change feature
  • Visa Check Card Personal PIN Selection
  • 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 our current account rates or visit our contact page.

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