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FreeChecking |
EasyChecking Plus |
Money Management |
Classic50
(For ages 50+) |
Employee Benefit Banking |
Ulitmate Checking |
UltimateSelect Checking2 |
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For individuals who never want to pay a monthly service charge again!
FreeChecking
is an efficient, economical way to manage a checking account.
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An account that earns a competitive rate of interest, with no monthly service charge,
if the balance requirement is maintained, plus other banking benefits.
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With the ease of check-writing access to your money, and high rates of return,
you can manage your money wisely, based on the balances in the account.
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If you're 50 or better, Classic50 will give you numerous free and discounted banking
benefits.
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This specially designed package of services has been created just for you as an
employee benefit with your company.
You're eligible to receive several money saving
products and services which are not available to the general public. Once you've
established a deposit account, the program includes:
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Balances are fully FDIC insured and enjoy additional benefits using our Ultimate
Checking Package.
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Earn higher interest rates with larger balances and enjoy the additional benefits
of the Ultimate Checking Package.
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Minimum Opening Deposit |
$100
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$100
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$100
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$100
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$100 |
$2,000
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$2,000
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Monthly Service Charge |
Free
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$1,000 Min. Bal. & Over
- No Charge -
Under $1,000 Min. Bal.
- $12 Per Month -
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$1,000 Min. Bal. & Over
- No Charge -
Under $1,000 Min. Bal.
- $10 Per Month -
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Free
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Free
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$2,000 Min. Bal. & Over
- No Charge -
Under $2,000 Min. Bal.
- $15 Per Month -
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$2,000 Min. Bal. & Over
- No Charge -
Under $2,000 Min. Bal.
- $15 Per Month -
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Interest Bearing |
No
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Yes
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Yes
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Yes
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Yes
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Yes - not to exceed 0.50%1
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Yes - potential to exceed 0.50% based on the balances in the account
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Minimum Balance to Earn Interest |
N/A
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$1,000
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| $ |
0 |
- |
$ |
9,999.99 |
| $ |
10,000 |
- |
$ |
24,999.99 |
| $ |
25,000 |
- |
$ |
49,999.99 |
| $ |
50,000 |
- |
$ |
99,999.99 |
| $ |
100,000 |
- |
$ |
249,999.99 |
| $ |
250,000 |
+ |
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$1,000
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| $ |
2,000 |
- |
$ |
9,999.99 |
| $ |
10,000 |
- |
$ |
24,999.99 |
| $ |
25,000 |
- |
$ |
49,999.99 |
| $ |
50,000 |
- |
$ |
99,999.99 |
| $ |
100,000 |
+ |
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| $ |
2,000 |
- |
$ |
9,999.99 |
| $ |
10,000 |
- |
$ |
24,999.99 |
| $ |
25,000 |
- |
$ |
49,999.99 |
| $ |
50,000 |
- |
$ |
99,999.99 |
| $ |
100,000 |
+ |
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Check Orders |
Fees Vary
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Fees Vary
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Fees Vary
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Standard Style Free
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First Box of Standard Style Checks Free
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Specialty Checks
(1 Box Per Year or $8 Towards Any Style)
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Specialty Checks
(1 Box Per Year or $8 Towards Any Style)
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Check Writing/Withdrawal |
Unlimited
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Unlimited
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Preauthorized, automatic or telephone transfers or withdrawals by check, draft, debit card or similar order to third parties are limited to six per month.
Fee of $10 per item for excessive withdrawals. Unlimited transactions
can be made at the teller line or ATM. |
Unlimited
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Unlimited
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Unlimited
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Unlimited
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Check SafeKeeping |
Free
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Free
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Free
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Free
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Free
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Free
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Free
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EasyCheck Imaging |
$2 Per Month (Optional)
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Free
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N/A
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Free
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$2 Per Month (Optional)
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Free
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Free
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Checking Reserve Overdraft Protection* |
$20 Annual Fee
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$20 Annual Fee
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$20 Annual Fee
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$20 Annual Fee
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$20 Annual Fee
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$20 Annual Fee
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$20 Annual Fee
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ATM Card Annual Fee |
Free
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Free
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Free
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Free
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Free
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Free
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Free
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Debit Card Annual Fee |
Free
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Free
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Free
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Free
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Free
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Free
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Free
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Package Benefits |
N/A
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N/A
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N/A
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- 1/4% Higher Interest on new CDs 1-Year or Longer (promotional CDs not included)
- Free Traveler's Checks (1 signature style)
- Free Official Checks (limit 5 per month)
- Free Money Orders (where available)
- 50% Discount on a small Safe Deposit Box (where available)
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One Interest Bearing Checking Account * with the monthly service charge
Free.
- Free Traveler’s Checks
- e-Statements Provided3
- Free Official Checks and Money Orders
- Free Notary or Signature Guarantee Services
- 1/4% Higher Interest on new CDs 1-Year or Longer (promotional CDs not included)
- $500 off Closing Costs on your Mortgage Loan4
- 50% Discount on a small Safe Deposit Box (where available)
- Automatic Payroll Deposit
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Balances over $25,000 in the Account will receive:
- Free Traveler's Checks (1 signature style)
- Premium CD Interest with Relationship above $100,000
- Free Official Checks (limit 5 per month)
- 50% Discount on a small Safe Deposit Box (where available)
- One Domestic Wire Per Month (at no charge)
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Balances over $25,000 in the Account will receive:
- Same as Ultimate Checking
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Additional Benefits |
- 24-Hour TeleBanc
- BankAtEase with Free Bill Pay
- IDSafeShield (recovery and education)
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- 24-Hour TeleBanc
- BankAtEase with Free Bill Pay
- IDSafeShield (recovery and education)
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- 24-Hour TeleBanc
- IDSafeShield (recovery and education)
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- 24-Hour TeleBanc
- BankAtEase with Free Bill Pay
- IDSafeShield (recovery and education)
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- 24-Hour TeleBanc
- BankAtEase with Free Bill Pay
- IDSafeShield (recovery and education)
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- 24-Hour TeleBanc
- BankAtEase with Free Bill Pay
- IDSafeShieldEnhanced (recovery, education, & Expense Reimbursement feature)
- Balances fully insured by FDIC until December 31, 2013
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- 24-Hour TeleBanc
- BankAtEase with Free Bill Pay
- IDSafeShieldEnhanced (recovery, education, & Expense Reimbursement feature)
- Opportunity to earn higher rates of interest (depending on the balances in the account) more than the 0.50% maximum that the Ultimate Checking Account offers
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Apply Now
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Apply Now
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Apply Now
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Apply Now
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Apply Now
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Apply Now
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Apply Now
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* Credit qualification required
1 As a participant in the Transaction Account Guarantee Program, your non-interest bearing transaction accounts and interest bearing accounts that earn 0.25% interest or less with American National Bank now have unlimited FDIC deposit insurance coverage. This insurance is in addition to the FDIC's normal deposit insurance coverage of $250,000 available through December 31, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
2 Product available through December 31, 2010, unless the FDIC extends the Transaction Account Guarantee Program.
3 Paper statements available for $5 per month.
4 Mention at time of application, redeem at closing, not redeemable for cash.
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Equal Housing Lender