Personal Checking Accounts

Checking Solutions Built For You

Most people use their checking account almost every day, so it's critical you have an account with the right features to fit your unique needs. American Community Bank & Trust offers three checking accounts with their own unique features. Each of our checking accounts offer:

$100 opening balance requirement
Free online banking and bill pay
Free mobile banking services
Free debit card with digital wallet capability

If you're ready to open a checking account at American Community Bank, please complete our online inquiry. Our team will review your request and be in touch soon.
Request to Open Checking Account

Compare Your Checking Account Options at American Community Bank & Trust

Account Features	Sterling Privileges	Choice Checking	*Health Savings (HSA) Choice Checking**
Opening Balance Requirement	$100	$100	$100
Minimum Balance to Obtain Interest	Interest Tiers $0 - $14,999 $15,000 - $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000 and over Paid monthly on average daily balance	$1,500 in the account each day Paid monthly on average daily balance	$1,500 in the account each day Paid monthly on average daily balance
Maintenance Fee	None with average daily combined relationship deposit balance of $20,000 or more Otherwise $20/month	None	None
Digital Banking & Bill Pay	Free	Free	Free
Debit Cards	Free - Rebate on all foreign ATM fees**	Free	Free
Checks	Free initial Sterling check order 50% off subsequent Sterling check orders	Cost varies	Cost varies
Cashier's Check	Free	$5	$5
Safe Deposit Box***	Free 3x5 or $30 credit	Annual Fee	Annual Fee
eStatements	Free - 24 months of online history	Free - 24 months of online history	Free - 24 months of online history
Mailed Statement Fee	$5/month $10/month with check images	$5/month $10/month with check images	$5/month $10/month with check images