Skip to Content

Welcome to Our Redesigned Website!

Our website has been updated to enhance your experience. It is recommended you use a browser other than Internet Explorer, such as Google Chrome, Safari, Firefox, etc. Online banking can be accessed via the dropdown below.

Checking Accounts

We offer three checking solutions customized with your needs in mind.

Account Features

Sterling Privileges

Choice Checking

Heatlh 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

Online 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 - 18 months of online history

Free - 18 months of online history

Free - 18 months of online history

Mailed Statement Fee

Free

$5/month

$10/month with check images

$5/month

$10/month with check images

Overdraft Protection

We offer the convenience of overdraft protection on personal checking accounts. Transfers are made automatically from your line of credit to your checking account if the need arises. Talk to a banker about adding this feature to your account.

Debit Cards

Simplify your everyday banking with an American Community Bank & Trust Debit Card. All debit card holders have access to our free ACBT Card Control tool. Card Control allows you to set real-time purchase alerts, create custom spending limits, or instantly lock cards if they go missing.

*This account is subject to IRS rules and regulations, and complements a High Deductible Health Insurance Plan.

**ATMs not located on our bank premises may asses transaction fees. Please see Terms and Conditions of your account for additional details.

***Safe deposit box contents are not FDIC insured.