Prestige II Account

Features:

• Minimum of $100 to open
• Maintain a balance of $100.00 to avoid $7.00 service fee
• This is a tiered rate account (See Rates for tiers)
• Unlimited free check writing
• Three Cashiers checks per month with no fee
• Traveler's checks (personal sign only) with no charge
• Free bank stock checks for life of the account
• Discount on safe deposit box rentals

Features:
The "PLUS" includes earning a higher rate of interest on your balance

• If you maintain a balance of $2,500.00 with limited check writing, this account is a great opportunity.
• This is a tiered rate account (See Rates for tiers)

Money Market Gold Checking

Features:
The "GOLD" includes earning a higher rate of interest on your balance.

• You must maintain a balance of $2,500 in another ANB account to open this account.
• If you maintain a balance of $25,000.00 with limited check writing, this account is a golden opportunity.
• This is a tiered rate account (See Rates for tiers)

Select from the following optional services:

• Unlimited use ATM card at ANB machines & MoneyPass Network - FREE
• ANB Debit Card - FREE
• Bill Pay - FREE
• Internet Banking - FREE

Certificates of Deposit

Features:

• Terms range from 30 days to 5 years
• Minimum of $1,000.00 to open
• Interest compounds monthly
• Interest paid monthly (paid quarterly if balance under $5,000.00)
• "Raise the Rate" option on all CD's of 1 year term or longer
• Can withdraw interest earned before maturity with no penalty
• See Rate Sheet for rates

Jumbo Certificates of Deposit

Features:

• Terms range from 14 days to 5 years
• Minimum of $95,000.00 to open
• Interest compounds monthly
• Interest paid monthly
• "Raise the Rate" option on all CD's of 1 year term or longer
• Can withdraw interest earned before maturity with no penalty
• See Rate Sheet for rates

Free Business Checking

Features:

• Minimum of $100.00 to open
• If more than 500 items are deposited, .10 cents per item
• If more than 100 checks/withdrawals, .20 cents per item

Business Checking

Features:

• Minimum of $100.00 to open
• If more than 1,000 items are deposited, .10 cents per item
• If more than 250 checks/withdrawals, .20 cents per item
• If your balance drops below $5,000, a $15.00 service charge will be assessed

Account Analysis

Service charge is based upon Account Analysis. Please call or come by and visit with any Account Services Representative.

Health Savings Account

FAQs (Frequently Asked Questions):

• What is an HSA? This is an account that allows individuals to pay for current health care expenses and save for future qualified medical and retiree health expenses on a tax free basis.
• Who is eligible? The individual must be covered by a “High Deductible Health Plan” (HDHP), must not be covered by other health insurance (does not apply to specific injury insurance and accident, disability, dental care, vision care, long-term care), is not eligible for Medicare, and can’t be claimed as a dependent on someone else’s tax return. A HDHP is a plan with a minimum deductible of $1,000 (self only) or $2,000 (family plan). Annual out of pocket (including deductibles and co-pays) cannot exceed $5,000 (self only) or $10,000 (family).
• Who can contribute? Either the employer or the individual or both. The employer can make a pretax contribution to the HSA on behalf of the employee and the employee can make contributions with pretax dollars also. All contributions are aggregated.
• What are the contribution limits? For an eligible individual that is covered by the same HDHP plan for the entire calendar year, the maximum annual contribution is the deductible amount not to exceed $2,600 (2004) or $2,650 (2005) for those with single coverage, or $5,150 (2004) or $5,250 (2005) for those with family coverage. In future years, these amounts will be adjusted for cost-of-living increases in increments of $50. Also, catch-up contributions are allowed for individuals who are ages 55 and older.
• What happens to money not used during the year? Any amounts not used may grow tax free and can be carried forward to future years. They can also be rolled over into other health savings accounts if the employee changes jobs.
• Must the bank monitor expenditures? No! The account beneficiary is responsible to make payments to his or her own service providers. The trustee bank has no duty to monitor the payments.
• American National Bank offers a Health Savings Account. The product is a Savings Account that earns interest at the same rate and same tier as the Money Market Account, has a FREE Debit Card and NO monthly service charge. There is a required minimum deposit of $100 to open and a one-time set-up fee of $25.