| Personal/Business Banking |  |
| Cash Management | |
| Remote Deposit | |
President's Club Checking
Get a great rate and more when you open a President's Club Checking account.
Savings & Investments
Whether you're just starting to save or looking to earn competitive rates on your investments, American Trust Bank of East Tennessee has accounts and products designed to give you the flexibility and value you need to meet your economic needs.
Savings
- $100 minimum to open
- $6 quarterly service charge if balance falls below $100
- $2 for each withdrawal over 6 per quarter
- Interest credited quarterly
Young Americans Savings
- For depositors age 18 or younger
- $25 minimum to open
- $3 quarterly service charge if balance falls below $25
- $2 for each withdrawal over 6 per quarter
- Interest credited quarterly
Christmas Club
- $25 minimum to open
- $10 fee for closing Christmas Club prior to completion
- Interest credited annually and check disbursed
Money Market Account
- $2,500 minimum to open
- $15 monthly maintenance fee if daily balance falls below $2,500
- Up to 6 free transactions per cycle period, 3 of which may be made by check, draft or debit card to third parties ($15 charge for each item over 3)
- Interest credited monthly
- Tiered interest – rate is variable and earnings are credited monthly. Higher balances earn a higher interest rate.
- $0 - $ 2,499
- $2,500 - $9,999
- $10,000 - $49,999
- $50,000 - $99,999
- $100,000 and greater
Certificates of Deposit
- Certificates ranging in terms from 1 month to 60 months
- $1,000 minimum to open
- Automatic renewal
- Penalty for early withdrawals
- 1 month
- 3 months
- 6 months
- 9 months
- 12 months
- 18 months
- 24 months
- 36 months
- 48 months
- 60 months
Check for Specials on CDs
IRA – 12 Months – Fixed Rate
- $100 minimum to open
- Deposits may be added at any time
- Early withdrawals may be subject to interest and tax penalties
IRA – 24 Months – Fixed Rate
- $100 minimum to open
- Deposits may be added at any time
- Early withdrawals may be subject to interest and tax penalties
CD Early Withdrawal Penalties:
| Term of 90 days or less – | all accrued interest |
| Term greater than 90 days to 12 months – | 90 days penalty |
| Term greater than 12 months – | 180 days penalty |
Equal Housing Lender