Download the App Below

 

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 and now available Cash Rewards Checking for Students, Assurance Checking, Senior Checking, Now Checking, and Money Market.

  • 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 preauthorized 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 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.

    Eligibility

    Individuals

    Minimum Opening Deposit

    $50

    Transaction Limitation

    Unlimited

    ATM/Debit Card

    Yes - additional fees may apply, a full fee schedule is available at any branch

  • CASH REWARDS STUDENT CHECKING

    Account Description & Benefits

    Students will enjoy the benefits of no monthly service charge 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 preauthorized 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

    ATM/Debit Card

    Yes - additional fees may apply, a full fee schedule is available at any branch

  • 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 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.

    Eligibility

    Individuals

    Minimum Opening Deposit

    $50

    Transaction Limitation

    Unlimited

    ATM/Debit Card

    Yes - additional fees may apply, a full fee schedule is available at any branch

  • SENIOR CHECKING

    Account Description & Benefits

    For customers 62+

    • Complimentary ABC Wallet Stock Checks
    • $5.00 Annual Discount on 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

    None

    Eligibility

    Individuals 62+

    Minimum Opening Deposit

    $50

    Transaction Limitation

    Unlimited

    ATM/Debit Card

    Yes - additional fees may apply, a full fee schedule is available at any branch

  • 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

    ATM/Debit Card

    Yes - additional fees may apply, a full fee schedule is available at any branch

  • MONEY MARKET CHECKING

    Account Description & Benefits

    Savings account with limited 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

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

    Eligibility

    Individuals or Business

    Minimum Opening Deposit

    $1,500

    Transaction Limitation

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

    ATM/Debit Card

    ATM Only - additional fees may apply, a full fee schedule is available at any branch