As a bank that goes out of our way to be of service, we offer the best in convenience banking – from debit cards to telephone and internet banking. Talk with us about your unique needs. We want your banking experience to be enjoyable and hassle-free.
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.
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.
Safe Deposit Boxes are not insured by FDIC.
American Advantage 24-Hour Telephone Banking
American Bank & Trust Company will be discontinuing telephone banking service at the end of June 2025. We invite you to try other options that we offer to replace that service.
Digital banking is a great way to access your information. It also provides you with much more information than telephone banking was able to deliver. It is easy to use, and we have made sure it is very secure. There is no cost for Basic Digital Banking services. You can also add some enhanced services at a very reasonable cost. Digital Banking is also available through our mobile telephone application.
As always, our employees are still available to provide information on your accounts by calling 337-948-3056.
Miscellaneous Services
All accounts are subject to the following miscellaneous charges and fees when applicable:
| Service | Fee |
|---|---|
| Levies, Garnishments | $25.00 |
| Certified Checks | $10.00 |
| Cashier's Checks | Customer $5.00 |
| Wire Transfer Outgoing Domestic Outgoing International |
$15.00 $35.00 |
| 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 | $50.00 Each |
| Copies | 50¢ Per Copy |
| Items Sent for Collection | Customer $10.00 |
| 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 $25.00 Expedited Fee per Card / per PIN |
| Non-Network ATM Transaction Fee | $1.25** |
| FAX Machine | $3.00 Plus $1.00 Per Minute If In U.S. |
** 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.
