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Remember, with so many checks being mailed for tax payments, it is important to verify the payee on all checks when you receive your statement.  If you discover any altered items, report them to our fraud department immediately. 

 
 
 
 
 

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. With online account opening now available, we make it even easier for you to open an account. 

Click Here To Open An Account Online

* Online account opening is only available to consumers residing in Texas and Colorado at this time. Not all Checking and Savings products are eligible to be opened online.

  • Cash Rewards 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 pre-authorized transaction
    Interest Bearing - Minimum Daily Balance required to obtain the annual percentage yield No

    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 pre-authorized 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.
    Eligibility Individuals
    Minimum Opening Deposit $50
    Transaction Limitation Unlimited
    Debit Card - additional fees may apply, a full fee schedule is available at any branch Yes
  • CASH REWARDS STUDENT CHECKING

    Account Description & Benefits: Students will enjoy the benefits of no monthly service fee and cash back rewards when using an 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 pre-authorized transaction
    Interest Bearing - Minimum Daily Balance required to obtain the annual percentage yield No

    Service Charges

    No monthly service charge for a period of 5 years when eligibility requirements are met.

    Eligibility Individuals with proof of enrollment in a high school or college university or vocational program. Individuals under the age of 18 require a parent or legal guardian to be a co-owner on the account.
    Minimum Opening Deposit $50
    Transaction Limitation Unlimited
    Debit Card - additional fees may apply, a full fee schedule is available at any branch Yes
  • FREE CHECKING

    Account Description & Benefits: A basic free account for individuals. Item images are not returned with monthly statements and all other banking services must be purchased separately.

    Interest Bearing - Minimum Daily Balance required to obtain the annual percentage yield No

    Service Charges

    No Monthly Service Charge Fee

    Eligibility Individuals
    Minimum Opening Deposit $50
    Transaction Limitation Unlimited
    Debit Card - additional fees may apply, a full fee schedule is available at any branch Yes
  • ASSURANCE CHECKING

    Account Description & Benefits: 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.

    Interest Bearing - Minimum Daily Balance required to obtain the annual percentage yield No

    Service Charges

    $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 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.
    Eligibility Individuals
    Minimum Opening Deposit $50
    Transaction Limitation Unlimited
    Debit Card - additional fees may apply, a full fee schedule is available at any branch Yes
  • SENIOR CHECKING

    Account Description & Benefits: For customers 62+

    • Complimentary ABC Wallet Stock Checks
    • $5.00 Annual Discount on one Safe Deposit Box Rental (Safe Deposit Box not Member FDIC insured)
    Interest Bearing - Minimum Daily Balance required to obtain the annual percentage yield No

    Service Charges

    No Monthly Service Charge Fee

    Eligibility Individuals 62+
    Minimum Opening Deposit $50
    Transaction Limitation Unlimited
    Debit Card - additional fees may apply, a full fee schedule is available at any branch Yes
  • NOW CHECKING

    Account Description & Benefits: An interest bearing account with the ability to write checks.

    Interest Bearing - Minimum Daily Balance required to obtain the annual percentage yield Yes

    Service Charges

    Daily balance during statement cycle determines service charge:

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

    Eligibility Individuals and Sole Proprietors Only
    Minimum Opening Deposit $1,000
    Transaction Limitation Unlimited
    Debit Card - additional fees may apply, a full fee schedule is available at any branch Yes
  • MONEY MARKET CHECKING

    Account Description & Benefits: Savings account with check writing privileges.

    Interest Bearing - Minimum Daily Balance required to obtain the annual percentage yield Yes

    Service Charges

    Daily balance during statement cycle determines service charge:

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

    A withdrawal fee of $5 will be charged for each withdrawal in excess of ten (10) during each monthly statement cycle. 

    Eligibility Individuals 
    Minimum Opening Deposit $1,500
    Debit Card - additional fees may apply, a full fee schedule is available at any branch Yes