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Business Interest Checking

The checking account for a sole proprietor

(Available to Sole Proprietors owned and operated within Pennsylvania or New Jersey) 

This interest-bearing checking account has a variety of features that will serve your needs if you are a sole proprietor. Plus, this account eliminates the additional administrative work associated with having multiple accounts, such as sweep or cash management services and you’ll receive many other features and benefits.

  • $1.00 minimum balance required to open
  • $1,000.00 minimum balance required to earn the stated interest
  • Monthly maintenance service charge of $25.00 will be assessed when the average daily balance for the statement cycle falls below $1,000.00
  • No per check fees, deposit fees or per item fees

Account Features

  • FREE access to Online Banking1
  • FREE access to Mobile Banking with Mobile Deposit2,3
  • FREE night depository service
  • FREE American Bank Visa® Business Debit Card4
  • FREE check images available through AmericanBank Online
  • FREE 50 Bill Pay transactions per month; $0.60 per Bill Pay transaction thereafter
  • $50 credit for 1st order of checks5
  • Download transactions at no charge to Quicken, Quick Books or MS Money3,6
  • Non-American Bank ATMs - We do not assess a fee for transactions performed at non-American Bank ATMs7
  • Surcharge Free ATM Access - Look for Allpoint & No Sur! Accel ATMs
  • Statements - e-Statement, no charge; Paper statements without check images, no charge; Paper statements with check images are available for a fee upon request 
  • Courier service (checks only)

1 Internet service provider charges apply
2 Mobile device and usage charges may be assessed by your carrier
3 Online Banking required
4 Overdraft Item fees may apply
5 Order must be placed at account opening using Bank's vendor
6 Software purchase required
7 Fees may be charged by the owner/operator of the ATM

Business Interest CheckingAnnual Percentage Yields (APY) current as of November 28, 2022
Tiers Interest Rate APY
$0.00 - $999.99 0.00% 0.00%
$1,000.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $24,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $99,999.99 0.10% 0.10%
$100,000.00 and above 0.10% 0.10%
  • Interest is compounded daily & earned on the daily balance based on a tiered-rate structure
  • $1.00 minimum balance required to open
  • $1,000.00 minimum balance required to earn the stated interest
  • Monthly maintenance service charge of $25.00 will be assessed when the average daily balance for the statement cycle falls below $1,000.00
  • No per check fees, deposit fees or per item fees
  • This is a tiered-rate account. The interest rate and APY may change after account opening
  • Fees may reduce the earnings on the account
  • Rates are subject to change at any time without notice

How to Apply

If you’re interested in applying for a business deposit account, you can visit our location at 4029 West Tilghman Street, Allentown, PA during business hours or contact us.