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

e-CheckingAnnual Percentage Yields (APY) current as of June 14, 2024
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 

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Account Disclosures