American National Bank

Interest-Bearing Checking Accounts

American Club Checking Account

Exclusively for customers age 50 years or older.
You must deposit $1,500 to open this account.
Unlimited check writing.
A service charge fee of $15 will be imposed every statement cycle if the balance in the account falls below $1500 any day of the statement cycle.
Variable rate account-The interest rate and annual percentage yield are subject to change. Interest is calculated on the daily balance, is compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest. At our discretion, we may change the interest rate on your account daily.
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
Free personalized safety wallet checks.
No fee travelers checks, cashiers checks, money orders and notary service.
Free safe deposit box for one year.
One-half percent (½%) interest discount on personal loans when you use our automatic payment option.
Monthly statement. Imaged checks returned.
The bank reserves the right to require seven (7) days prior written notice of withdrawal.

NOW Account

You must deposit $1000 to open this account.
A service charge fee of $10 will be imposed every statement cycle if the balance in the account falls below $1000 any day of the statement cycle.
First 20 debits are at no charge; additional debits over 20 will be charged at $.20 each.
Variable rate account-The interest rate and annual percentage yield are subject to change. Interest is calculated on the daily balance, is compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest. At our discretion, we may change the interest rate on your account daily.
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
You must maintain a minimum daily balance of $1000 to obtain the disclosed annual percentage yield. We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
Monthly statement. Imaged checks returned.
The bank reserves the right to require seven (7) days prior written notice of withdrawal.

SUPER NOW Account

You must deposit $2000 to open this account.
Unlimited check writing.
A service charge fee of $10 will be imposed every statement cycle if the balance in the account falls below $2000 any day of the statement cycle and the interest rate will revert to the current NOW account rate for the days the daily balance is below the minimum required balance.
Variable rate account-The interest rate and annual percentage yield are subject to change. Interest is calculated on the daily balance, is compounded daily and credited monthly. If you close your account before interest is credited, you will not receive the accrued interest. At our discretion, we may change the interest rate on your account daily.
Interest begins to accrue on the business day you deposit noncash items (for example, checks).
You must maintain a minimum daily balance of $2000 to obtain the disclosed annual percentage yield. We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
Monthly statement. Imaged checks returned.
The bank reserves the right to require seven (7) days prior written notice of withdrawal.

You may be interested in our standard Checking accounts.

FOR SPECIFIC INFORMATION ON ALL ACCOUNTS, PLEASE REFER TO OUR DEPOSIT ACCOUNT DISCLOSURE STATEMENT.