Personal Checking Accounts
| Min. Daily Balance During Statement Period |
Monthly Basic Fee (No fee per check) |
| $800.00 or more |
None |
| $500.00
through $799.99 |
$4.25 |
| $400.00
through $499.99 |
$5.75 |
| $300.00
through $399.99 |
$6.75 |
| $200.00
through $299.99 |
$7.25 |
| Less than $200.00 |
$9.00 |
Minimum Deposit of $100.00 required to open account.
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Commercial Checking Accounts
|
Basic Fees |
| Account maintenance fee per month |
$7.50 |
| Per Check /ACH /Debit Charge |
17¢ |
| Per Item Deposited |
10¢ |
| Per Deposit /ACH Credit |
10¢ |
There is an earnings
credit allowed on this
account.
The earnings credit rate is
a bank determined rate that
may change at any time.
The earnings credit will be
computed on the monthly
average collected balance
less reserve requirements.
The earnings credit will be
applied towards accumulated
maintenance and transaction
charges.
Account may be subject to
account analysis.
Minimum deposit of
$100.00 required to open
account.
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Allows you ten checks or debit items per statement cycle for a low monthly basic fee of $3.00. Accounts exceeding ten checks or debit items per statement cycle will be charged 25¢ per check/debit item thereafter. Minimum deposit of $50.00 required to open account.
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No monthly basic fee.
Senior citizens must be
62 years of age or older to
qualify.
Minimum deposit of
$100.00 required to open
account.
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Ameri-Club Accounts
| Plan |
Basic Fee per Statement Cycle |
| Basic Plan |
$8.00 |
| Additional Plan |
$9.00 |
| Family Plan |
$10.00 |
If the daily balance
falls below $200.00 during
the statement cycle, an
additional basic fee of
$3.00 will be charged.
Minimum deposit of
$200.00 required to open
account.
Contact financial institution for additional benefits.
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If the daily balance falls below $500.00 during the statement cycle, an additional basic fee of $3.00 will be charged. Minimum deposit of $500.00 required to open account. If daily collected balance falls below $500.00, no interest will accrue. Interest rates are subject to change daily at the discretion of management.
See interest rates for Ameri-Club Accounts.
Contact financial institution for additional benefits.
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Interest rates are subject to change daily at the discretion of management. Minimum deposit of $1,000.00 required to open account. If the daily balance falls below $1,000.00 during the statement cycle, a basic fee of $8.00 will be charged. Accounts exceeding 50 checks/debit items per statement cycle will be charged 25¢ per check/debit item thereafter. If daily collected balance falls below $500.00, no interest will accrue.
See interest rates for Now Checking Accounts.
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Interest rates are subject to change daily at the discretion of management. Minimum deposit of $2,500.00 required to open account. If daily collected balance falls below $2,500.00, no interest will accrue. You are permitted to make six withdrawals or transfers
to another account or to
third parties by check,
draft, debit card,
preauthorized, automatic or
telephone, including fax or
with the bank's internet
banking service or similar
order to third parties per statement cycle. A fee of $10.00 will be charged for each debit item over six.
See interest rates for Money Market Checking Accounts.
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We offer automatic transfers from your checking account to a Christmas Club account. Transfers are available weekly, bi-weekly, semi-monthly and monthly. Minimum transfer of $5.00 required to open account. Partial withdrawals are not allowed. A $3.00 fee is charged for early withdrawals.
See interest rates for Christmas Club Accounts.
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Minimum deposit of $100.00 required to open account. Interest rates are subject to change daily at the discretion of management. Accounts exceeding three withdrawals per quarter will be charged $1.25 per withdrawal thereafter. Accounts with balances of less than $100.00 at any time during the quarter will be charged a $6.00 basic fee. Statements are cycled quarterly. Interest is compounded and credited quarterly. Minimum withdrawals of $25.00. Closing fee of $10.00 if closed within one year of opening. If daily collected balance falls below $100.00, no interest will accrue.
See interest rates for Savings Accounts.
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Checking accounts become dormant if the customer makes no transactions for an entire year. A $3.00 dormant fee is charged per month on all dormant accounts.
Savings accounts become dormant if the customer makes no transactions for an entire year. A $6.00 dormant fee
will be charged if the account is dormant at statement cycle.
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Investments are available for a minimum of one month to a maximum of three years. Minimum deposit of $1,000.00 required to open account. Rates are available by phoning any location. Certificates of Deposits may be subject to a penalty for early withdrawal. Inquire for further information.
See interest rates for CD Accounts.
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Available at a fixed rate for the term of the certificate of deposit. Investments are available for a minimum of six months and are automatically renewed unless otherwise specified. Minimum deposit of $250.00 required to open account. Rates are available by phoning any location. IRA's may be subject to a penalty for early withdrawal. Inquire for further information.
See interest rates for IRA Accounts.
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- Consumer Loans
- Residential Loans
- Commercial Loans
- Visa/Mastercard
- Other Loans
For information, call or visit our professional Loan Officers at American Bank & Trust Company.
See listing of registered Mortgage Loan Officers »
If you
would like to receive a copy
of our Bankcard Agreement
please contact your account
representative at
337-948-3056.
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Miscellaneous Services
All accounts are subject to the following miscellaneous charges and fees when applicable:
| Service |
Fee |
| Levies, Garnishments |
$25.00 |
| Travelers Checks |
$2.00 per $100.00 |
| Travelers Checks for Two |
$2.50 per $100.00 |
| Certified Checks |
$10.00 |
| Cashier's Checks |
Customer $5.00
Non-Customer $10.00 |
| Wire Transfer |
(Out) $15.00
|
| Stop Payments |
$25.00 |
| Overdraft Fee (per item) |
$25.00 |
| Insufficient Funds Fee (per presentment) |
$25.00 |
| Account Reconciliation or Research |
$15.00 Per Hr.
(Minimum Charge of $15.00) |
| Chargeback Items |
$2.00 per item |
| |
|
| Night Depository Bag
|
1st One Free |
| Additional Bags |
$18.00 Each |
| Copies |
50¢ Per Copy |
| Items Sent for Collection |
Customer $10.00
Non-Customer $15.00 |
| Cutoff Statement |
$5.00 |
| Check Printing |
(Fee Depends On Style of Checks Ordered.) |
| Statement Copies |
$2.00 Per Copy |
| ATM/Debit Card |
$1.00 Monthly Fee
$5.00 Replacement Fee |
| Non-Network ATM Transaction Fee |
$1.25** |
| FAX Machine |
$3.00 Plus $1.00 Per Minute If In U.S.
$3.00 Plus $3.00 Per Minute If Out of the U.S. |
Note** ATM Fees - when you use an ATM not owned by us, you may be charged a fee by the ATM operator and/or any network used. You may also be charged a fee for a balance inquiry even if you do not complete a fund transfer.
Fees may be charged for services not listed.
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Safe Deposit Boxes
| Size |
Annual Fee |
| 3 x 5 |
$35.00 |
| 5 x 5 |
$40.00 |
| 3 x 10 |
$45.00 |
| 5 x 10 |
$50.00 |
| 6 x 10 |
$58.00 |
| 10 x 10 |
$88.00 |
Vault drilling and lost key charge are subject to all locksmith charges.
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American Advantage 24-Hour Telephone Banking
For checking, savings, certificate of deposits and loan account information, dial (337) 942-2258.
