| Personal/Individual Checking Accounts
As a benefit to our
checking account customers, the following features are provided
at no extra charge:
- Direct Deposit
- Automatic Payment Deductions
- Bank by Mail
- Notary Public Services
American Interstate
Bank offers four types of personal checking accounts from which
to choose:
Advantage Checking Account
- Minimum balance to open account is $25
- No monthly service fees
- Item images will not be returned with statement
- Unlimited check writing
- Non-interest bearing account
- Free 24-hour telephone banking services
Regular Checking Account
- Minimum balance to open account is $100
- Minimum balance to waive service charges is $300
- If the balance falls below the minimum during any day of the
monthly cycle, a service charge of $4 will apply, along with a
per debit fee of $ .15 for each debit transaction
- The minimum balance, and subsequent service charges, do not
apply to senior citizens (age 55 and above) and customers with
direct deposits
- Non-interest bearing account
- Free 24-hour telephone banking services
Now Checking Account*
- Minimum balance to open account is $500
- Minimum balance to waive service charges is $500
- If the balance falls below the minimum during any day of the
monthly cycle, a service charge of $7 will apply, along with a
per debit fee of $ .15 for each debit transaction
- Interest bearing account
- Free 24-hour telephone banking services
Checking Plus
Checking Plus is a product offered to checking account customers**
whereby a set line of credit is combined with the customer’s
account. Checks drawn on insufficient funds are paid from this set
line of credit rather than being returned to the presenter.
* Interest is computed based on the average daily
balance method.
**Subject to Credit Approval. |
