Personal Checking at American Bank

Checking

Let us help you find the right checking account to fit your needs and make your life easier!

Checking Products

Freedom Checking

A no monthly maintenance fee checking account with the added convenience of free Online Banking and Bill Payment.

  • No minimum balance requirement
  • Free Online Banking and Bill Payment
  • Unlimited check writing
  • Free combined statements
  • Free Infoline
  • $25 opening deposit is required

Fees may apply to other banking transactions.
Contact any of our offices for additional information.

Senior Checking

For customers who are 62 years of age or better.

  • No minimum balance requirement
  • Free checks
  • Unlimited check writing
  • Free combined statements
  • Free Infoline
  • Free Online Banking and Bill Payment

Fees may apply to other banking transactions.
Contact any of our offices for additional information.

NOW Checking

Get more for your money with an interest-bearing checking account.

  • Maintain $750 minimum or $1500 average balance to avoid a $7.50 maintenance fee
  • Unlimited check writing
  • Combined statements
  • Free Infoline
  • Free Online Banking and Bill Payment
  • Tiered interest structure
  • Interest paid on the daily collected balance

Private Checking 

Get more for your money with an interest-bearing checking account.

  • Minimum balance requirement is a combined account total of $25,000 in Private Checking and Insured Money Market accounts to avoid a $10.00 maintenance fee
  • Unlimited check writing
  • Combined statements
  • Free Infoline
  • Free Online Banking and Bill Payment
  • Tiered interest structure
  • Interest paid on the daily collected balance

See the current rates.

Please call for more information or stop at any of our offices to pick up our current listing of accounts, which includes the rules and regulations, as well as terms and fees, for each account type. Just visit our Offices page to find us.

Checking Account Comparison

  Freedom Checking NOW Checking Senior Checking Private Checking
Best For: Individuals who don't want to worry about keeping a minimum balance Individuals who wish to earn interest on their checking account balances Individuals who are 62 years of age or older Individuals who maintain a combined deposit total of $25,000 between their checking and IMMA accounts
Key Benefits:
  • No minimum balance required
  • Unlimited check writing
  • Free online banking and bill pay
  • Free combined statements
  • Free Info-Line
  • Interest bearing account
  • ATM and VISA Debit Cards are available
  • Free online banking and bill pay
  • Free Info-Line
  • No minimum balance requirement
  • No fees for checks on select styles
  • Unlimited check writing
  • Free online banking and bill pay
  • Free combined statements
  • Free Info-Line
  • Interest bearing account
  • No fees for checks on select styles
  • Unlimited check writing
  • Free online banking and bill pay
  • Free combined statements
  • Free Info-Line
Monthly Fees*:
  • No minimum balance
  • No maintenance fee
  • $25 to open account
  • No maintenance fee** if minimum balance is maintained, $7.50 if minimum balance is not met
  • $0.25 per check or withdrawal
  • No maintenance fee
  • No fees for checks on selected styles
  • $10 maintenance fee if combined balance requirement of $25,000 is not maintained

*Checks will not be returned with monthly statements for any checking account product.

**Maintenance fees apply when daily ledger balance falls below $750 any day of the statement period or average ledger balance for statement period falls below $1,500.

Do you have a question regarding our checking products? Contact us!

Money Market

With our Insured Money Market account we help you make saving easy. Make your money start working for you today. For more information, visit our Offices section to find the office nearest you.

Deposit Rates

We have a variety of checking and savings options for you, many that earn interest. Rates are subject to change, so call us today to discuss which option would be best for you!