Electronic Banking Services

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Many exciting electronic banking services are available with your checking account. 


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Personal Banking

No fee ATM usage anywhere in the U.S., unlimited check writing, online banking, telephone banking and more with any checking at American Trust Bank.  Whatever you’re looking for in a checking account, we have the right one for you.

Free American Checking

A checking account with unlimited check writing and no monthly service charge.

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American Gold Checking

This checking account is available to customers age 55 and above. Unlimited check writing and no monthly service charge. American Gold checks available with this account.

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All American Club Checking

A complete package of valuable benefits, bank services, and discounts for a low monthly maintenance fee.

  • $100 minimum to open
  • Unlimited check writing
  • $7 monthly maintenance fee
  • $750 SafetyNET available
  • Free “Club” checks
  • No fee on Travelers Checks
  • No fee on two (2) Cashiers Checks per month
  • Discount on loans
  • Discount on rental of 5 x 5 Safe Deposit Box – depending on branch availablity
  • Club Program Benefits*

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NOW Account (Personal or Sole Proprietor)

Unlimited check writing privileges and attractive interest rates. No monthly maintenance fee when maintaining a minimum daily balance of $1,500 or more.

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President’s Club Checking

For those who maintain a higher balance in their checking account, this account allows you to earn higher rates.

  • $5,000 minimum to open
  • No monthly maintenance fee
  • Unlimited check writing
  • Club checks for the life of the account
  • No fee safe deposit box for the life of the account –depending on branch availability
  • Free traveler’s and cashier’s checks
  • SafetyNET available
  • Free internet banking & bill pay
  • Discount rates on loans and premium CD rates

*Benefits include Accidental Death and Dismemberment Insurance**, Walk-In Pharmacy Card, Eye Care & Eye Ware, Preferred Hotel Savings Guide, and Rental Car Discounts

 **Not a deposit; Not FDIC insured; Not insured by any federal government agency; Not guaranteed by the Bank

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Account Types Free American Checking American Gold Checking All American Club Checking NOW Account President’s Club Checking
Recommended if you want…

A checking account with no monthly fee and unlimited check writing

A checking account for ages 55+ with no monthly fee and unlimited check writing

A checking account with convenient and affordable banking and non-banking services*

A checking account that earns interest and unlimited check writing

A premium account with preferred rates and discounts on bank services

Minimum Opening Deposit $100.00 $100.00 $100.00 $100.00 $5,000.00
Minimum Daily Account Balance- Requirement to avoid monthly service fee $0 $0 $0 $1,500.00 minimum daily balance $0
Monthly Service Fee $0 $0 $7 $15.00 if below $1,500.00 $0
Interest Bearing No No No Yes - Tiered

Yes - Tiered Premimum Rate on Balances between $5,000.00 and $50.,000.00

ATM/DEBIT Card Available

Yes- No withdrawal fees at ATMs nationwide

Yes- No withdrawal fees at ATMs nationwide

Yes- No withdrawal fees at ATMs nationwide

Yes- No withdrawal fees at ATMs nationwide

Yes- No withdrawal fees at ATMs nationwide

Internet Banking Free Free Free Free Free
Bill Pay $4.95 $4.95 $4.95 $4.95 Free
24-Hour Telephone Banking Yes Yes Yes Yes Yes
Other Benefits

~Unlimited check writing
~Image Statements
~SafetyNET Available**

~Unlimited check writing
~Image Statements
~Free Club Checks
~SafetyNET Available**

~Unlimited check writing
~Image Statements
~Free Club Checks
~SafetyNET Available**

~Unlimited check writing
~Image Statements
~SafetyNET Available**

~Unlimited check writing
~Image Statements
~Free Club Checks
~Free Safe Deposit Box

*Insurance products: Are not FDIC Insured; Are not a deposit of the bank; Are not guaranteed by the bank; May go down in value; Are not insured by any government agency

**Our overdraft protection service is not a traditional line of credit and, as mentioned above, we do not encourage our customers to overdraw their accounts. In fact, you may also inquire of us if there are other more traditional lines of credit available to you. The payment of an overdraft is not guaranteed under the overdraft protection service. We reserve the right to return any check drawn on your account if the balance of your account is not sufficient to pay the check or if your account is not in good standing.

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