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| Account Descriptions |
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| Business Freedom Checking |
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This is a non-interest bearing checking account designed specifically for clubs, churches and non-profit organizations with low levels of transactions.
- $100 minimum balance to open account
- No minimum balance requirement
- No monthly service fee
- Unlimited check writing
- Monthly imaged statements
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| Small Business Checking |
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American Bank & Trust's small business checking account is an interest bearing checking account designed specifically for sole-proprietors and non-profit organizations.
- $100 minimum balance to open account
- To avoid monthly service fee, maintain a minimum daily balance of $2,000
- $10 monthly service fee if minimum daily balance falls below $2,000
- 50 checks written per statement cycle free; .10 cents per item over 50
- 99 deposit credit items per statement cycle free; .10 cents per item over 100
- Interest is earned each day your balance is $1,000 or greater
- Interest is earned on the collected daily balance & based upon current deposit rates
- Free online banking
- Free first order of American Bank & Trust designer checks
- Monthly imaged statements
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| Basic Business Checking |
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A basic business checking account is a non-interest bearing account designed for commercial business with low to moderate levels of transactions.
- $100 minimum deposit to open account
- To avoid monthly service fee, maintain a minimum daily balance of $2,000
- $8 monthly service fee assessed if minimum daily balance falls below $2,000
- 50 checks written per statement cycle free; 10 cents per item over 50
- 99 deposit credit items per statement cycle free; 10 cents per item over 100
- Free online banking
- Monthly imaged statements
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| Corporate Business Checking |
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American Bank & Trust's corporate business checking account is designed to allow businesses to use their balance to 'pay for' their banking services. This non-interest bearing checking account receives an earnings credit that is used to offset most service and transaction fees associated with commercial accounts.
- $100 minimum deposit to open account
- The rate for earnings credit on investable balance, which may change weekly, is based upon a fair market short-term interest rate.
- To avoid monthly service fee, maintain a minimum daily balance of $5,000
- $13 monthly service
- $.10 per check paid on the account
- $.10 per deposit made to the account
- $.05 per deposited item
- Free online banking
- Monthly Imaged statements
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