| Personal/Business Banking |  |
| Cash Management | |
| Remote Deposit | |
Savings Calculator
Our calculator page can help you decide how much you would like to save.
Savings & Investments
American Trust Bank has several savings options to choose. Select any of the items below to learn more.
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
- Interest rate is based on a tiered system: The higher your balance, the higher the interest rate.
Money Market Investment Account
- $25,000 minimum to open
- $13.47 monthly maintenance fee if daily balance falls below $25,000
- 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
- Interest rate is based on a tiered system: The higher your balance, the higher the interest rate.
Certificates of Deposit
- Certificates ranging in terms from 6 months to 24 months
- $1,000 minimum to open
- Automatic renewal
- Penalty for early withdrawals
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Interest can be transferred to an American Trust Checking Account
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 |
*The advertised Annual Percentage Yield (APY) is accurate as of August 2010. The rate may change after the account is open. Fees applied to accounts lower than the daily minimum balance and could reduce the earnings on the account.
Equal Housing Lender