A checking account that fits your lifestyle
The e-Checking account has an interest rate that is comparable to most money market accounts and has the added convenience of unlimited check-writing, free unlimited bill pay and ATM rebates. This account was designed specifically for you if you prefer the flexibility and simplicity of banking totally online.
- FREE access to Online Banking1
- FREE access to Mobile Banking with Mobile Deposit2,3
- FREE unlimited bill pay1,2,3
- FREE Account to Account (A2A) Transfers - Transfers between American Bank and other financial institutions are available through online banking
- FREE first order of 80 checks4 (limited designs)
- FREE Visa® Debit Card5,6
- FREE Debit Card Rewards Program - Earn debit card rewards with UChoose Rewards7
- Unlimited check-writing
- Non-American Bank ATMs - We do not assess a fee for transactions performed at non-American Bank ATMs8
- Surcharge Free ATM Access - Look for Allpoint & No Sur! Accel ATMs
- ATM rebates - ATM rebates are provided, up to $4.75 per transaction, with a maximum rebate of $10.00 during that statement cycle, when the ATM owner/operator assesses a fee. 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.
- Statements - Electronic statements are available at no charge. A monthly fee of $2.00 is assessed for paper statements.
- Download transactions at no charge to Quicken and MS Money3,9
- $1.00 minimum balance required to open
- No monthly maintenance service charge
- No minimum balance required to earn the stated interest
1 Internet service provider charges apply
2 Mobile device and usage charges may be assessed by your carrier
3 Online Banking required
4 Order must be placed at account opening
5 Receive real-time alerts to monitor your Visa transactions; requires separate sign-up (purchasealerts.visa.com)
6 Overdraft Item fees may apply
7 UChoose Rewards requires separate sign-up (uchooserewards.com)
8 Fees may be charged by the owner/operator of the ATM
9 Software purchase required
| Tiers | Interest Rate | APY |
|---|---|---|
| $0.00 - $999.99 | 1.00% | 1.01% - 1.01% |
| $1,000.00 - $9,999.99 | 1.00% | 1.01% - 1.01% |
| $10,000.00 - $24,999.99 | 1.00% | 1.01% - 1.01% |
| $25,000.00 - $49,999.99 | 1.00% | 1.01% - 1.01% |
| $50,000.00 - $99,999.99 | 1.00% | 1.01% - 1.01% |
| $100,000.00 and above | 1.00% | 1.01% - 1.01% |
- $1.00 minimum balance required to open
- No minimum balance required to earn the stated interest
- No monthly maintenance service charge
- Interest is compounded daily & earned on the daily balance based on a tiered-rate structure
- 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
