Account Options

Personal Accounts Overview

Please note this table is provided as a general overview of available accounts only. Please see below for more detailed information on each account.


ACCOUNTS	Minimum Deposit	Interest Bearing	Maintenance Fee	Balance Required to Waive Maintenance Fee	Extra Info
Champion Elite Checking	$50		$14.00	$5,000	1st Check Order Free • 20% Discount on Safe Deposit Box • Free e-statements • $3 paper statement fees
Champion Premier Checking	$50		$5.00	n/a	Free e-statements • $3 paper statement fee
Champion Star Checking	$50		$5.00	$500	Free e-statements • $3 paper statement fee
Money Market Checking	$2,500		$7.50	$2,500	E-statements & paper statements at no extra charge
Regular Savings	$100		$3.00 maintenance fee (quarterly instead of monthly)	$300
Certificates of Deposit	$1,000		-0-	n/a	Terms range from 30 Days – 5 Years
Jumbo Certificates of Deposit	$250,000		-0-	n/a	Terms range from 30 Days – 5 Years
Individual Retirement Accounts (IRA)	$200		-0-	n/a
Health Savings Accounts (HSA)	$100		-0-	n/a	Free Debit Card

Champion Elite Checking

Are you looking for an account that earns you interest?

Features:

Minimum amount to open account is $50.
$14 monthly maintenance fee if average balance falls below $5,000.
Great interest on your checking balance.
First order of check free.
20% discount on Safe Deposit Boxes.
Free e-statements or $3 paper statement fee.

Champion Premier Checking

Are you a frequent debit card user? Then this is the account for you!

Features:

Minimum amount to open account is $50.
$5 monthly maintenance fee.
Free e-statement or $3 paper statement fee.
Monthly maintenance fee may be reduced by $.10 with each debit card transaction.
(Debit card transactions are counted for the fee buy down when they are posted to the account. Transactions made during the statement cycle but not yet posted will count for the fee buy down on the next statement cycle.)

Champion Star Checking

Do you consistently have a balance above $500? Our Star Checking is for you!

Features:

Minimum amount to open account is $50.
$5 monthly maintenance fee if average balance falls below $500.00.
Free e-statement or $3 paper statement fee.

Money Market Checking

Features: The Money Market Checking includes earning a higher rate of interest on your balance

If you maintain a balance of $2,500 with limited checkwriting, this account is a great opportunity.
If balance falls below the minimum, there is a $7.50 maintenance fee.
You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited
If you make more than 6 transfers or withdrawals made by check, draft, debit card or similar order made by the depositor and payable to third parties, there will be a $25.00 per transaction fee assessed.
Option of eStatements or paper statement at no extra charge
This is a tiered rate account (Ask us about our rate tiers)

Regular Savings

The minimum opening balance for this savings account is $100. No service fee is charged if the minimum balance is $300 or more and you have no more than three withdrawals per quarter. Any additional withdrawals are $1.00 each. For balances under $300, a $3.00 per quarter maintenance fee is charged. Interest is compounded and paid quarterly on accounts with a minimum balance of $100 or more. Your accounts may be linked for overdraft protection.

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
Ask us about our current rates

Jumbo Certificates of Deposit

Features:

Terms range from 30 days to 5 years
Minimum of $250,000.00 to open
Interest compounds monthly
Interest paid monthly
Can withdraw interest earned before maturity with no penalty
Ask us about our current rates

Individual Retirement Accounts (IRA)

An IRA, ROTH, SEP, HSA and CESA offer important tax-deferred options and benefits. Because of these, certain restrictions are placed on deposits and withdrawals. As with any important financial decision, we recommend that you contact your tax advisor for specific details on how you are affected. The following are some details pertinent to these accounts.

Minimum Investment

You can open an IRA for as little as $200, so you can begin planning for retirement without significantly altering your current lifestyle.

Annual Contributions

Federal law allows a maximum annual contribution. These limits may increase annually. Contributions may be made in a lump sum or periodically throughout the year.

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.
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 is subject to change annually. Please see a New Accounts Services Representative for more information.
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 & Trust offers a Health Savings Account. The product is a tiered Savings Account that earns competitive interest rates based the balance of the account, has a FREE Debit Card and NO monthly service charge. There is a required minimum deposit of $100 to open.

FREE Services With All Accounts

Telebanker
Our Telephone Banking Service
Online banking
Safe, secure and convenient banking at amnat.com
Debit Cards
The easiest way to pay
eStatements
Available any time at amnat.com

ATM
24 hour banking at any of our convenient local locations. In addition, there are tens of thousands of surcharge-free ATMs available coast to coast on the MoneyPass network.
Mobile Banking
Here. There. Everywhere. Now we’re everywhere you are.
Notary Services
We offer free notary services for all customers.

Account Options

Personal Accounts Overview

FREE Services With All Accounts

Telebanker

Online banking

Debit Cards

eStatements

ATM

Mobile Banking

Notary Services

ROUTING NUMBER
111907144

CALL US TODAY
(940) 397-2300