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Checking

All the features and benefits you deserve.

american flag American Way Checking

Our most popular account, American Way Checking provides all of our best features including:

ID Protect

star Now Account

Minimum Opening Deposit $2,000.00
Current Interest Rate Inquire at local branch
Annual Percentage Yield (APY) Inquire at local branch
Interest Computation Method Daily Balance*
Interest will be compounded Monthly
Interest credited Monthly

super now Super-Now Account

Minimum Opening Deposit $2,500.00
Current Interest Rate Inquire at local branch
Annual Percentage Yield (APY) Inquire at local branch
Interest Computation Method Daily Balance*
Interest will be compounded Monthly
Interest credited Monthly

 

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American Way Checking

A $6.00 monthly service charge will apply. Click here to see how to reduce or eliminate charge

IDProtect® - Provides protection for you and your joint account holders for any identity theft event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account at American Bank & Trust Company.

Fully Managed RecoveryA dedicated fraud specialist assigned to manage your case. Experienced recovery professionals will handle the recovery process until your credit and identity is completely restored.

Identity Theft Expense Reimbursement*- Up to $10,000 Identity Theft Expense Reimbursement to cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.

Total Identity Monitoring– monitors your Name, Address, Date of Birth, and Social Security Number in more than 1,000 databases to determine if your identity has been compromised – this is also a good way to protect and preserve your child’s identity. (Registration and activation required.)

Triple-Bureau Credit File Monitoring – provides daily monitoring of your credit reports with Equifax, Experian, and TransUnion for key changes to your reports. Alerts are sent via email or text message. (Registration and activation required.)

Triple-Bureau Credit Report – request new report every 90 days or upon receipt of a credit alert. (Registration and activation required.)

Credit Score – receive a new single bureau credit score with every new credit report. (Registration and activation required.)

Debit and Credit Card Registration
Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration and activation required.)

Educational Resources/News Center
Get advice on ways to protect yourself from identity theft, read educational tips and access valuable online resources and news related to identity fraud and credit. (Registration and activation required.)

1Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete description of coverage.
*Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
IDProtect® service not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor s serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

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NOW ACCOUNT / SUPER-NOW ACCOUNT

NOW ACCOUNT

Minimum Opening Deposit $2,000.00
Current Interest Rate Inquire at local branch
Annual Percentage Yield (APY) Inquire at local branch
Interest Computation Method Daily Balance*
Interest will be compounded Monthly
Interest credited Monthly

 

SUPER-NOW ACCOUNT

Minimum Opening Deposit $2,500.00
Current Interest Rate Inquire at local branch
Annual Percentage Yield (APY) Inquire at local branch
Interest Computation Method Daily Balance*
Interest will be compounded Monthly
Interest credited Monthly

On non-cash item interest will begin to accrue on the business day of the deposit. If you close your account before interest is credited, you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

Statement Period: MONTHLY
Cost of check printing varies depending on the style of checks ordered.

Monthly Service Charge/Basic Fee $7.50 if balance falls below $2,000.00

A fee schedule containing additional charges that may apply to this account can be obtained from your local branch.

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.