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American Bank and Trust

Business Checking

Simple Business Checking

 
This account is designed for smaller businesses or for a sole-proprietor with low volume transactions.
 
  • Minimum to open: $100
  • Up to 150 transactions monthly (including debits, credits & deposited items)
  • $0.35 per item over 150
  • Free E-Statements or $2.50/month for paper statements
  • Debit card, Online & Mobile Banking included
 

Community Business Checking

 
This account is designed for businesses with moderate transactions and additional accounts with higher balances.
 
  • Minimum to open: $100
  • Balance to avoid a $15 monthly service charge: $1,500 average balance or $10,000 in other combined business accounts (Checking, Savings, CD’s)
  • $0.35 per item over 300
  • Free E-Statements or $2.50/month for paper statements
  • Debit card, Online & Mobile banking included 
 

Analysis Checking

 
This account is the best choice for businesses with large volumes. An earnings credit is applied for balances in the checking account and are used to offset service charges. Customers with larger balances tend to pay lower service charges, if any.
 
  • Minimum to open: $100
  • No minimum balance requirement
  • Monthly Service Charge: $15
  • $0.15 per electronic debit & credit
  • $0.15 per checks & deposits
  • $0.10 per deposited item
  • Free E-Statements or $2.50/month for paper statements
  • Debit card, Online and Mobile Banking included
 

Business Interest Checking

 
This account is designed for our Small Businesses and Non-Profit Organizations who want to earn interest on their balance.
 
  • Minimum to open: $100
  • Balance to avoid a $15 monthly service charge: $2,500 average balance
  • $0.35 per item over 250
  • Interest is compounded daily, paid monthly
  • Free E-Statements or $2.50/month for paper statements
  • Debit card, Online and Mobile Banking included
 

IOLTA Accounts

 
Interest on Lawyer's Trust Account - This account is designed for attorneys and their firms to manage trust funds.
 
  • Minimum to open: $100
  • No minimum balance required
  • No monthly maintenance fees
  • Unlimited transactions
  • Interest is compounded daily, paid monthly
  • Free paper statement 
  • Online Banking Included
 

Non-Profit Checking

 
This account is designed for civic and community organizations as well as non-profits.
 
  • Minimum to open: $100
  • No minimum balance requirement
  • Up to 150 transactions monthly (including debits, credits & deposited items)
  • $0.35 per item over 150
  • Free E-Statements or Paper Statements
  • Debit card, Online & Mobile Banking included 
 

Non-Profit Interest Checking

 
This account is designed for civic and community organizations as well as non-profits who desire to earn interest on their balances.
 
  • Minimum to open: $100
  • Minimum balance required to earn interest: $300
  • Up to 150 transactions monthly (including debits, credits & deposited items)
  • $0.35 per item over 150
  • Interest compounded daily, paid monthly
  • Free E-Statements or Paper Statements
  • Debit card, Online and Mobile Banking included
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