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.
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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 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 + = $0Eligibility 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 + = $0A 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
Financial Professionals.
Finding Solutions.
Making a Difference.
Please call us toll free at 1.888.902.2552 for assistance.
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