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: ACH credit => $250 per month AND minimum daily balance of $500 or more, or; 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; 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 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 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: Enroll for electronic statements and receive a $2 refund toward $4 monthly fee. 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 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
  Debit Card - additional fees may apply, a full fee schedule is available at any branch	Yes - see Transaction Limitation section