Forever Free Checking

Free...Forever? Yes!

This non-interest bearing account, which requires only a $1.00 minimum balance to open, is designed for individuals that want to eliminate account fees and maintain lower account balances but includes benefits such as free access to online banking with bill pay, unlimited check-writing, with no per check fees or monthly maintenance fee. There's never a minimum balance or direct deposit requirement. 

  • 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 $200.00 or more on the date the transaction posts to your account.
  • Statements - Electronic or paper statements available at no charge
  • Download transactions at no charge to Quicken and MS Money3,9
  • $1.00 minimum balance required to open
  • No monthly maintenance service charge, FOREVER10
  • No minimum balance required, FOREVER10 

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 (
6 Overdraft Item fees may apply 
7 UChoose Rewards requires separate sign-up (
8 Fees may be charged by the owner/operator of the ATM 
Software purchase required
10 As long as the account remains open

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Account Disclosures