Checking Accounts

FREEDOM CHECKING

Initial Deposit of only $250.00 to open your account
No Monthly Maintenance fees as long as the minimum balance is kept above $750.00. If below, there is a Monthly Maintenance Fee of $8.00 plus a Debit and Credit Transaction Fee of $.20 for each debit and credit transaction. Transit item fee of $.075 for each transit item deposited
Free Internet and Telephone Banking 24 hours a day.
Free check image Statements
Free Check Card
Bill Pay Available (Click here to learn More)

Initial Deposit of only $250.00 to open your account
Variable rate of interest
Interest is calculated using the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day
Interest is compounded and credited to your account each statement cycle
No Monthly Maintenance fees as long as the Average Daily Balance is kept above $1500.00. If below, there is a Monthly Maintenance Fee of $8.00 plus a Debit and Credit Transaction Fee of $.20 for each debit and credit transaction. A Transit Item Fee of $.075 will be charges for each Transit Item Deposited
Free check image Statements
Free Check Card
Bill Pay Available (Click here to learn More)

The American Classic account is for those individuals who are 55 years of age and older. The following benefits apply:

Only $100 to open the account.
Free American Classic checks or a 30% discount on other styled checks.
Unlimited check writing privileges.
Free check image Statements
Free rental on a 3 x 5 safe deposit box. Larger sizes will be provided at an annual discount of 50% off standard bank rental fees.
Free official checks.
Premium rates on CD's for terms of 1 year or less.
If the combined average daily balance of all related accounts is $5,000 or more, the monthly service fee of only $10 will be waived.
American Classic is a discretionary variable rate account, which means that the interest rate and annual percentage yield may change at any time at our Bank’s discretion. Interest will be paid at the current rate on the entire account balance, as it falls within its corresponding tier:

                 Tier 1 $50,000 or more
                 Tier 2 $10,000 - $49,999.99
                 Tier 3 $0 - $9,999.99

Initial Deposit of only $1000.00 to open your account
American Investor is a discretionary variable rate account, which means that the interest rate and annual percentage yield may change at any time at our Bank’s discretion.
Interest is calculated using the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day.
Interest is compounded monthly and paid to your account monthly
During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic or telephone order or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by our institution.
A debit fee of $3.00 is imposed for each debit transaction in excess of six per statement cycle.
Interest will be paid at the current rate on the entire balance, as it falls within it’s corresponding tier:

                 Tier 1 $50,000 or more
                 Tier 2 $25,000 - $49,999.99
                 Tier 3 $1,000 - $24,999.99
                 Tier 4 $0 - $999.99
Free check image Statements
ATM Card Available

For additional information, please contact a Customer Service Representative, 918-481-3000, during regular Bank Lobby hours.