Personal Checking

Personal Checking

American Bank of Commerce knows that your personal checking account is the hub for almost every day-to-day transaction you make. As a result, you need a checking account that is convenient and flexible, one that works seamless with your needs. We offer checking account options, customized with you in mind:  Cash Rewards Checking,  Assurance Checking, Senior Checking, Now Checking, and Money Market.

 CASH REWARDS CHECKINGASSURANCE CHECKINGSENIOR CHECKINGNOW CHECKINGMONEY MARKET CHECKING
Account Description & Benefits

ABC’s most popular account. Enjoy the benefits of cash back rewards when you use your ABC Bank debit card! Cash rewards earned as outlined below:

  • 5 cent rebate earned on each PIN based transaction
  • 10 cent rebate earned on each signature based and preauthorized transaction

A basic checking account with a low monthly service fee and no minimum balance requirement that also encourages monthly savings.

Smart banking for  smart people.

For customers 62+

  • Complimentary ABC Wallet Stock Checks
  • $5.00 Annual Discount on Safe Deposit Box Rental (Safe Deposit Box not Member FDIC insured)

 

An interest bearing account with the ability to write checks.

Savings account with limited check writing privileges.

Interest Bearing

No

No

No

Yes

Yes

Service Charges

$8 per month which can be waived if any ONE of the three conditions below are met:

  1. ACH credit => $250 per month AND minimum daily balance of $500 or more, or;
  2. 20 or more debit card transactions per month (includes PIN, signature based and preauthorized transactions but does not include ATM transactions) AND enroll for electronic statements, or;
  3. Minimum daily balance of $50,000 or greater during monthly statement period.

$4 per month which can be waived partially or even 100% if the two conditions below are met each month:

  1. Enroll for electronic statements and you will receive a $2 refund toward $4 monthly fee.
  2. Open a savings account and set up a monthly AFT (Automated Funds Transfer) for any dollar amount and receive a $2 refund toward $4 monthly fee.

None

Daily balance during statement cycle determines service charge:

$0- $999.99 =$10.00
$1,000 + = $0

Daily balance during statement cycle determines service charge:

$0- $1,499.99 =$10.00
$1,500 + = $0

More than 6 transfers, withdrawals or checks per month = $15 service fee per item

Eligibility

Individuals

Individuals

Individuals 62+

Individuals and Sole Proprietors Only

Individuals or Business

Minimum Opening Deposit

$100

$100

$100

$1,000

$1,500

Transaction Limitation

Unlimited

Unlimited

Unlimited

Unlimited

6 transfers or withdrawals per month by check, debit card or similar order payable to a third party

*ATM/Debit Card - additional fees may apply, a full fee schedule is available at any branch

Yes

Yes

Yes

Yes

ATM Only

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