Personal Banking Services

AmBank offers a variety of checking accounts to fit your individual needs. All checking accounts provide the following benefits:

• Visa Debit Card or ATM Card - with no monthly service fee
• Online Banking - Banking convenience on your computer
• Mobile Banking - Banking services on your mobile phone
• AmTel Banking - 24 hour automated telephone banking
• Check Imaged Account Statements - front of check only

All checking accounts require a $25.00 minimum deposit to open the account, except where noted.

Interest rates on interest bearing accounts can be viewed by clicking on the Interest Rate Sheet.

Direct Checking Account

This is an ideal account if you have minimal withdrawals from your account.

• No minimum balance or monthly service fee
• Four (4) checks and four (4) ATM withdrawals without incurring any fees per statement
• Fee of $1.50 for each additional withdrawal transaction

Basic Checking Account

If you write a few checks each month, this is the right account for you.

• $2.00 fee per statement period
• Total of nine (9) checks and/or withdrawals are allowed per statement
• Fee of $.50 cents for each additional check or withdrawal

Regular Checking Account

Manage your finances with simple and easy features.

• No monthly service fee if $500 balance is maintained
• $4.00 monthly service fee for balances under $500
• Unlimited withdrawal transactions

NOW Checking Account

A checking account with flexibility that earns interest.

• $1000.00 minimum opening deposit
• No monthly service fee if $1000 balance is maintained
• $7.00 monthly service fee for balances under $1000
• Unlimited withdrawal transactions

Personal Savings Accounts

Savings accounts are a great way to save money. All savings accounts have ATM Card capability. Accounts earn interest daily and are paid quarterly, except where noted.

Regular Savings Account

An affordable way to save money, and earn interest.

• $100.00 minimum opening deposit
• $2.00 service fee per quarter if balance falls under $100 anytime in the quarter
• Nine (9) withdrawals permitted within the quarter

Minor Accounts - for minors under the age of 18

Our minor savings account helps teach minors the value of saving money.

• No minimum balance requirements
• Nine (9) withdrawals permitted within each quarter
• $1.50 fee charged for each additional withdrawal over limit

Christmas Club Savings Account

This account is a joyful way to save money for the holidays, usually with a higher interest rate than our Regular Savings Account.

• The account is maintained throughout the year.
• Interest is paid once a year
• Only one withdrawal is allowed per year
• $10 fee charged for each withdrawal

In November, a cashier check is issued, made payable to you in the entire amount of your Christmas Club Savings Account.

Money Market Accounts

Earn interest and enjoy more accessibility to your funds.

• No monthly service fee on balances above $2500.00
• $5.00 fee for balances between $2499.99, each. statement period
• $10.00 fee for balances below $1000.00 each statement period
• Limit 6 withdrawals per month
• Earn tiered interest on a daily balance