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Checking Account Comparison

Checking Account Comparison Chart

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  e-Checking Forever Free Checking 10 Gold Checking
  Apply Now Apply Now Apply Now
Recommended for: Customers who enjoy banking online and earning interest on their checking account. Customers who need a simple checking account. Customers age 50 + who want an interest-bearing checking account.
Fees and Rates
Minimum to open $1 $1 $1
Monthly maintenance service charge No monthly maintenance service charge No monthly maintenance service charge 10 No monthly maintenance service charge
Minimum balance to avoid fees No minimum balance requirements No minimum balance requirements 10 No minimum balance requirements
Minimum balance to earn stated interest $0 N/A $0
Earn interest

Yes
Learn More

 No Yes
Learn More
Account Services
Online Banking1 Free Free Free
e-Statement2 Free Free Free
Paper Statements $2 per month Free Free
Bill Pay1,2,3 Free Free Free
Person to Person Transfers (Popmoney)2 Request Money - No Charge
Send (3 day) - No Charge
Send (next day) - Fees Apply
Request Money - No Charge
Send (3 day) - No Charge
Send (next day) - Fees Apply
Request Money - No Charge
Send (3 day) - No Charge
Send (next day) - Fees Apply
Account to Account Transfers (External)2 Free (Incoming and Outgoing) Free (Incoming and Outgoing) Free (Incoming and Outgoing)
Mobile Banking2,3 Free Free Free
Mobile Deposit2,3 Free Free Free
Download Transactions to Quicken & MS Money2,4 Free Free Free
Free checks Yes (first order of 100 checks) 5 Yes (first order of 100 checks) 5 Yes (limited designs)
Unlimited check-writing Yes Yes Yes
Debit Card6 Free Free Free
UChoose Rewards7 Free Free Free
Visa® Purchase Alerts7 Free Free Free
Access to Surcharge Free ATMs Yes Yes Yes
ATM withdrawal fee for using non-American Bank ATM $0 (Fee may be charged by the Owner/Operator of ATM $0 (Fee may be charged by the Owner/Operator of ATM $0 (Fee may be charged by the Owner/Operator of ATM
ATM Rebates (for fees charged by owner/operator of ATM) Yes
(up to $4.75 per transaction, with a maximum rebate of $10.00 per statement cycle) 8
Yes
(up to $4.75 per transaction, with a maximum rebate of $10.00 per statement cycle) 9
No
Incoming wire transfers Free Free Free
Discount on loans/lines Yes (with automatic payment from checking account) Yes (with automatic payment from checking account) Yes (with automatic payment from checking account)
Discount on Annual Safe Deposit Box Rental No No Yes ($5.00 safe deposit rental discount)

1 Internet service provider charges apply
2 Online banking required
3 Mobile device and usage charges may be assessed by your carrier
4 Software purchase required
5 Limited designs available; order must be placed at account opening
6 Overdraft Item fees may apply
7 Requires separate sign-up
8 To qualify for an ATM rebate, your account must have an average daily balance of $1,000.00 or more on the date the transaction posts to your account
9 To qualify for an ATM rebate, your account must have an average daily balance of $200.00 or more on the date the transaction posts to your account
10 As long as the account remains open

For additional product and fee information which may apply to your account, please review our Account Agreements, Rates Sheets, and Other Fees & Charges Disclosure by visiting AMBK.com, calling us at 888.366.6622 or visiting us in person.

We have a checking account to fit your needs

e-checking icon

e-Checking

Ideal for you if: you prefer to do all of your banking online and want to earn a competitive interest rate on your account.

Gold Checking icon

Gold Checking

Ideal for you if: you are at least 50 years of age and need a checking account with lots of benefits.

Forever Free Checking icon

Forever Free Checking

Ideal for you if: you want a hassle-free checking account that has no fees or minimum balance requirements

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