Gold Checking

A checking account for your golden years

If you are at least 50 years of age, this checking account offers all the features you need from an interest-bearing checking account with no monthly maintenance service charge, plus much more!

  • 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 checks (limited designs)
  • FREE Visa® Debit Card4,5
  • FREE Debit Card Rewards Program - Earn debit card rewards with UChoose Rewards6
  • Unlimited check-writing
  • 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
  • $5.00 Safe Deposit rental discount
  • Statements - Electronic or paper statements available at no charge
  • Download transactions at no charge to Quicken and MS Money3,8
  • $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 Receive real-time alerts to monitor your Visa transactions; requires separate sign-up (
5 Overdraft Item fees may apply 
6 UChoose Rewards requires separate sign-up ( 
7 Fees may be charged by the owner/operator of the ATM 
Software purchase required

American Gold CheckingAnnual Percentage Yields (APY) current as of July 14, 2024
Tiers Interest Rate APY
$0.00 - $999.99 1.00% 1.01%
$1,000.00 - $9,999.99 1.24% 1.25%
$10,000.00 - $24,999.99 1.24% 1.25%
$25,000.00 - $49,999.99 1.24% 1.25%
$50,000.00 - $99,999.99 1.49% 1.50%
$100,000.00 and above 1.98% 2.00%
  • Individuals must be at least age 50
  • $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