We are a locally owned and operated financial institution that offers a wide variety of products and services to our customers. We hope you will find our latest products, Internet Banking and Bill Paying services ways to make your life a little easier when it comes to banking.
Checking Accounts
Regular Checking Account
- $100.00 minimum to open
- No monthly service fee if balance remains above $400.00
- $5.00 monthly service fee if balance falls below $400.00
- Free unlimited check writing authorization
- Free debit card, internet banking, bill pay and statement imaging
- Monthly account statement with imaged documents
All American Club Account
- $100.00 minimum to open
- Unlimited free checks (graystone shadow style)
- Free unlimited check writing authorization
- Free $20,000.00 accidental death insurance
- Free $25,000.00 scheduled airline accidental death insurance
- No fee for cashiers checks (limit 3 per month)
- Travelers checks without issue fee
- No fee for stop payments
- $5.00 discount on safe deposit box rental
- Free photocopies (limit 10 per month)
- Free notary service
- Membership costs as low as $5.00 per month
- Free debit card, internet banking, bill pay and statement imaging
- Monthly account statement with imaged documents
Prestige Account (Age 50 & Over)
- Interest bearing checking account
- No minimum balance requirements
- No monthly maintenance fees
- Free Wallet Prestige checks (gray color)
- Unlimited check writing
- 50% discount on safe deposit rental
- No fee for travelers checks
- No fee for cashiers checks
- No fee for stop payments
- Free photocopies
- Free notary service
- Free debit card, internet banking, bill pay and statement imaging
- Monthly statement with imaged checks
- No monthly maintenance fees
Now Checking Account
- Interest bearing account
- $100.00 minimum to open
- No monthly service fee if balance remains above $750.00
- $8.00 monthly service fee if balance falls below $750.00
- Interest compounded and credited monthly
- No interest credited if balance falls below $750.00
- Free unlimited check writing authorization
- Free debit card, internet banking, bill pay and statement imaging
- Monthly account statement with imaged documents
Money Market Deposit Checking Account
- Interest bearing account
- $100.00 minimum to open
- No monthly service fee if balance remains above $2,500.00
- $10.00 monthly service fee if balance falls below $2,500.00
- Interest compounded and credited monthly
- No interest credited if balance falls below $2,500.00
- Free debit card, internet banking, bill pay and statement imaging
- $15.00 fee for each debit transaction in excess of 6 per month- (of which three can involve 3rd party.)
- Unlimited transfers and withdrawals in person
- Monthly account statement with imaged documents
Free Checking
- $100.00 minimum to open
- No monthly service charge
- Unlimited check writing
- Monthly account statement without imaged documents
- Free debit card, internet banking, bill pay and statement imaging
American Bank & Trust of the Cumberlands is participating in the FDIC's Transaction Account Guarantee Program.
Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed
by the FDIC for the entire amount in the account. 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.
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