Personal CheckingPersonal Checking

American Bank is able to offer superior checking account service because all processing is done
in Waco.

American Bank has 3 personal checking account options. Compare the features and choose the one that fits your needs and lifestyle best.

It's easy to apply

If you have any questions give us a call at 254.412.2000, email our New Accounts Department or if you
are ready, Apply Online today.

Contact Us  Apply Now

Checking Options

 SilverGoldPlatinum (NOW)
Minimum Opening Deposit $50 $100 $200
Monthly Maintenance Fees None $10 Monthly fee waived if you maintain a minimum daily ledger balance of $800 OR an average ledger balance of $1,600 $12 Monthly fee waived if you maintain a minimum balance of $1,500 OR an average ledger balance of $3,000
Interest Non-interest bearing Non-interest bearing Yes*
Statement Option Imaged Statements  Imaged Statements
Check Writing Unlimited check writing
VISA Check Card Visa Check card - the smarter way to pay. With a Visa Check card purchase, the payment is automatically debited from your bank account. Accepted anywhere you see the Visa logo displayed.
ATM Access

Use your Visa Check card to get cash at ATM’s displaying any of these logos: Visa, PULSE, PLUS, or MasterCard. Unlimited ATM transactions at any American Bank ATM. $1 activity fee for ATM withdrawals from any non-American Bank ATM.**

Internet Banking Unlimited access to Internet Banking and Bill Payment Services.
Phone Banking Unlimited access to TeleBANK; 254.867.7666
Optional Services & Fees Overdraft Protection available from another deposit account at American Bank.
$15 service charge for early closure (accounts closed within 90 days after opening)
*Contact Bank for current APY
**These fees are in addition to any fees charged by the ATM owner or operator


Key Account Options

  • Must be 55 or over
  • Bank stock checks provided
  • No monthly maintenance fee when added to American Bank Gold (regardless of balances). Monthly fee of $5 when added to the American Bank Platinum (if minimum balance falls below $500).