American Bank | Checking Accounts | TX Text Banking | Debit Card

Variety, flexibility and reliability? Check, check, check.

Love convenience? We have a variety of personal checking accounts built around the way our clients like to bank. Each account comes with:

Instantly issued debit card
Online access with Personal Online Banking, Bill Pay, Mobile Banking and Text Banking
Online statements
24-Hour Bank-By-Phone
Transactions at American Bank ATMs
Unlimited smiles and great service

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Basic Checking

Unlimited check writing
Free Personal Online Banking and Mobile Banking
Debit card with no charge for transactions at American Bank ATMs

Learn More Basic Checking

Interest Checking

Unlimited check writing
Free Personal Online Banking and Mobile Banking
No American Bank fees when you use a non-American Bank ATM

Learn More Interest Checking

Premium Interest Checking

Free Personal Online Banking and Mobile Banking
No charge for cashier’s checks
25% discount on safe deposit box rates

Learn More Premium Interest Checking

Choose accounts to compare.

Basic Checking

Interest Checking

Premium Interest Checking

Basic Checking Learn More	Interest Checking Learn More	Premium Interest Checking Learn More
Account Profile
Basic checking account	An interest-earning checking account	Checking account earning a premium rate of interest
Shared Features
Unlimited check writing Free Personal Online Banking and Bill Pay Free Mobile Banking Free online statements, including check images¹ Debit card with no charge for transactions at American Bank ATMs	Unlimited check writing Free Personal Online Banking and Bill Pay Free Mobile Banking Free online statements, including check images¹ Debit card with no charge for transactions at American Bank ATMs No American Bank fees when you use a non-American Bank ATM	Unlimited check writing Free Personal Online Banking and Bill Pay Free Mobile Banking Free online statements, including check images¹ Debit card with no charge for transactions at American Bank ATMs No American Bank fees when you use a non-American Bank ATM
Unique Features
n/a	Refund of fees charged by another financial institution for withdrawals at their ATMs, up to 8 per statement period	Free paper statements with images when the average daily or combined average daily balances are maintained⁵ Unlimited refunds of fees charged by another financial institution for withdrawals at their ATMs No charge for cashier’s checks 25% discount on safe deposit box rates No charge overdraft protection transfers Free standard American Bank checks
To Avoid Monthly Maintenance Fee
10 or more debit card point-of-sale purchases and 1 electronic (ACH) deposit or payment in a statement period, and online statements	Maintain an average daily balance of $1,500 or more	Maintain an average daily balance of $10,000 or a combined average daily balance of $50,000+ in all qualifying accounts²
Monthly Maintenance Fee
$5	$12	$20
Interest
Does not earn interest	Rate is variable, and interest is paid monthly^3,4	Rate is variable and tiered based on the account’s daily balance; paid monthly^3,4
Minimum Opening Deposit
$100	$100	$100

Helpful Resources

Personal Savings

Saving couldn’t be simpler with American Bank.

Individual Retirement Accounts

It’s never too early or too late to plan for retirement.

Personal Debit Cards

Have exact change every time you pay.

¹Paper statements are $1.75 each.

²Qualifying personal accounts for the combined average daily balance include checking, savings, CD, IRA, home loans, personal loans, and Ready Cash lines of credit where you are an owner/co-owner or borrower/co-borrower. The combined balance requirement is based on average daily balances in the qualifying accounts at the time the Premium Interest Checking account’s statement is produced.

³Interest begins to accrue on the first business day that funds are available in the account for noncash items such as checks.

⁴Interest begins to accrue on the first business day that funds are available in the account for noncash items such as checks.

⁵When the average or combined average daily balance is not maintained, paper statements are $1.75 each.