Other Fees & Charges Disclosure

Other Fees & Charges Disclosure

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

A2A External Transfers (incoming/outgoing) - No charge

ATM Card & Debit Card

  • Transaction Fee
    • American Bank owned ATMs - No charge
    • Non-American Bank ATMs - No charge assessed by American Bank. However, the ATM owner/operator may assess a fee

Collection Items

  • Domestic – $10.00
  • Foreign Check Fee – $25.00*
    • Minimum collection amount for Canadian checks – $50.00
    • Minimum collection amount for other foreign checks – $200.00

*This is our fee to send a foreign check for collection.  The fee applies whether the foreign check is payable in U.S. dollars or in foreign dollars.  You are responsible for changes in the exchange rate or for other fees and/or collection costs that may be assessed by another financial institution during the collection or return process that may affect the value of the check sent or returned. 

Copies

  • Check copies (deposited items) – $5.00 per check
  • Check copies (paid items)
    • Bill Pay – $5.00 each
    • Business accounts – $5.00 each
    • Money Market accounts – $5.00 each
    • Personal checking accounts
      • 12 copies per year – No charge
      • Additional copies – $5.00 each
  • Statement copies
    • Interim statement charge – $1.00
    • Duplicate statement charge – $5.00

Escheatment Fee – $75.00

Gift Cards - $4.00 each

Inactivity Fee (excludes all CDs, Young American Savings, Health Savings Account, Traditional & Roth IRAs, and Coverdell Education accounts)

  • $5.00 per month for checking, savings and money market accounts with balances less than $200.00 and inactive for 1 year or more

IRA/HSA Transfer

  • Incoming Transfer – No charge
  • Rollover – No Charge
  • Outgoing Transfer – $25.00
  • Direct Rollover – $25.00

International Service Assessment Fee

  • Multi-currency Transaction – 1.00% of transaction amount
  • Single-currency Transaction – 1.00% of transaction amount

Legal Fees

  • Garnishment fee – $200.00 plus actual attorney fees
  • Subpoena/Summons
    • Research fee – $50.00/hour (1 hour minimum)
    • Photocopies fee – $0.25 per page
  • Tax Levy fee – $100.00 plus attorney fees
  • Writ of Execution fee – $200.00 plus actual attorney fees

Mail Deposit (excludes Traditional & Roth IRAs, Health Savings Account, Coverdell Education account)

  • Mail deposit w/o ticket – $2.00 each

Night Deposit

  • Bag – $25.00
  • Key replacement – $5.00
  • Bag/Envelope processing – No charge

Official Checks

  • Money order – $5.00
  • Treasurer check – $10.00

Bill Pay, Account to Account Transfers & Popmoney

  • Personal - Account to Account Transfers (A2A)
    • Incoming – No charge
    • Outgoing – No charge
    Personal Bill Pay - No charge
    • Same day electronic payment - $9.95
    • Overnight check payment - $15.95
    Personal - Popmoney
    • Request money - No charge
    • Send money (3 days) - No charge
    • Send money (next day) - Varies
      • Amount $1.00 to $249.99 - $0.80
      • Amount $250.00 to $999.99 - $0.95
      • Amount $1,000.00 and above - $1.50
  • Business Bill Pay
    • First 50 transactions per month - No charge
    • Additional transactions per month - $0.60 each

Overdraft Items

  • Insufficient Funds**
    • Each ATM or one-time debit card transaction using an ATM card or debit card – No charge
    • Each paid or returned check, in-person withdrawal, recurring ATM card or debit card payment, preauthorized automatic debit, telephone transfer, any other debit item or other electronic means – $35.00 each (maximum of 4 charges per account per day)
  • Uncollected Funds**
    • Each ATM or one-time debit card transaction using an ATM card or debit card – No charge
    • Each paid or returned check, in-person withdrawal, recurring ATM card or debit card payment, preauthorized automatic debit, telephone transfer, any other debit item or other electronic means – $35.00 each (maximum of 4 charges per account per day)

**Unless prohibited by law, when a check or ACH transaction is presented against your account1 that exceeds your available balance by $5.00 or less, we will pay the check or ACH transaction and waive the Insufficient Funds or Uncollected Funds Charge. However, if your account is linked to a Checking, Savings, Money Market or Line of Credit account with us, your item will be paid from funds transferred from your Checking, Savings, Money Market or Line of Credit account.

1 When a check or ACH transaction is presented against your HSA account that exceeds your available balance and your account balance is negative, based on IRS regulations this is a prohibited transaction and your account will no longer qualify as an HSA account.

Printing Charges

  • Check printing charge - Varies depending on the style selected except for:
    • American Gold - No charge for select wallet-style checks
    • e-Checking - No charge for initial order of 80 wallet-style checks when ordered at account opening
    • Forever Free Checking - No charge for initial order of 80 wallet-style checks when ordered at account opening
  • Deposit ticket printing charge -Varies depending on the style selected except for:
    • Personal Money Market - No charge
    • Personal e-Money Market - No charge
    • Personal Premium Money Market - No charge
    • Personal Statement Savings including Young American - No charge

Research/Account reconciliation – $25.00/hour (1 hour minimum)

Safe Deposit Box Fees

  • Box rental – Varies
  • Box drilling – $170.00
  • Key Replacement – $15.00
  • Inventory (performed by bank personnel) – $40.00/hour (1 hour minimum)

Standard & Overnight Mail Delivery Fees

As the customer, you are responsible for any associated standard and/or overnight mail delivery fees assessed by the respective Carrier and these fees will vary.

Signature Guarantee – $5.00 each

Statement Charges - Personal

  • Electronic Statement (e-Statement) - No charge
  • Paper Statement - No charge, except for:
    • e-Checking - $2.00/month
    • e-Money Market - $2.00/month
    • Student Checking - $2.00/month

Statement Charges - Business

  • Electronic Statement (e-Statement) - No charge
  • Paper Statement without images - No charge
  • Paper Statement with check images - $7.50/month per account (excludes IOLTA & MJ-IOTA)

Stop Payments

  • ACH - $30.00
  • Bill Pay Check - $30.00
  • Checks - $30.00
  • Popmoney - $30.00
  • Visa Preauthorized Payment Cancellation - $30.00

Wire Transfers

  • Incoming
    • Domestic Wire Deposit Fee - No charge
    • International Wire Deposit Fee - $30.00
  • Outgoing
    • Domestic Wire Withdrawal Fee - $20.00
    • International Wire Withdrawal Fee - $50.00

Zipper Bags - $3.00

Rev 01.22