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Products & Services

   


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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Economy Checking Accounts

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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Personal Checking Accounts For Senior Citizens, Students, Non-Profit Organizations

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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Ameri-Club Interest 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 $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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Now Accounts

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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Money Market Accounts

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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Christmas Club Accounts

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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Savings Accounts

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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Dormant Accounts

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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Certificates of Deposit (CD)

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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Individual Retirement Accounts (IRA)

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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Loan Services

  • 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.