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Equifax has reported a data breach that could have compromised the identifying information of as many as 143 million consumers. They have set up a site where you can find information on this incident at www.equifaxsecurity2017.com. For more information on how to protect your identity, visit the identity theft section of our Fraud Education Center at www.theabcbank.com/fraud-education-center.  

 

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