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Commercial |
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Watch our Commercial Here!
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Hours
of Operation |
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On-site Banking Hours
Inside
Monday - Thursday: 9AM - 3PM
Friday: 9AM - 6PM
Drive-In
Monday - Friday: 7:30AM - 6PM
Saturday: 9AM - 1PM
24-hour Bank by Phone
903-575-1776 |
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Lost/Stolen
Debit Card |
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1-800-523-4175 |
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Account Details
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En Espaņol |
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 Checking Accounts
American National offers several checking account options:
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 Savings Accounts
American National offers several savings
account options:
Some terms and fees may apply to all accounts.
Please contact New Accounts at (903) 572-1776 for more information.
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Consumer Regular Checking |
| Account
Description |
Simple
checking with unlimited check writing and no regular monthly
service fees |
| Minimum Balance to
Open |
$200, or
$0 with direct deposit |
| Minimum
Balance Requirement |
None |
| Monthly Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
None |
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Accounts Page |
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Student Checking |
| Account
Description |
For
students 18-24 years of age, simple checking with unlimited
check writing and no regular monthly service fees |
| Minimum Balance to
Open |
None |
| Minimum
Balance Requirement |
None |
| Monthly Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
None |
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Additional Information |
- First two boxes of checks free.
- Free cashiers checks and money orders.
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Senior Citizen Checking |
| Account
Description |
Non-interest bearing checking for persons age 60 or older,
with at least one direct deposit and one auto debit each
month. |
| Minimum Balance to
Open |
None |
| Minimum
Balance Requirement |
None |
| Monthly Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
None |
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Additional Information |
- First 150 checks free
- Preferred CD terms
- Free 3x5 safety deposit box for first year
- Free cashier checks and money orders
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NOW Accounts |
| Account
Description |
Interest-bearing checking with unlimited check writing and
monthly withdrawals |
| Minimum
Balance to Open |
$1,500 |
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Minimum Balance Requirement |
$1,500 to avoid fee, $1,000 to earn interest |
| Interest
Rate |
Please
call for current interest rates –
(903) 572-1776 |
| Monthly
Service Fee |
$10 if at
any time during the month the account balance falls below
$1,500 |
| Limits to
Check Writing/Withdrawals |
None |
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Money Market Accounts |
| Account
Description |
Interest-bearing checking with limited check writing and
monthly withdrawals, interest rates based on balance tiers |
| Minimum
Balance to Open |
$5,000 |
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Minimum Balance Requirement |
$5,000 to avoid fee, $1,000 to earn interest |
| Interest
Rate |
Please
call for current interest rates – (903) 572-1776 |
| Monthly
Service Fee |
$15 if at
any time during the month the account balance falls below
$5,000 |
| Limits to
Check Writing/Withdrawals |
During any statement cycle, no more than six transfers or
withdrawals by check, debit card, preauthorized or automatic
transfer, or similar order payable to third parties are
allowed. Unlimited withdrawals may be made in person
at the bank. |
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Additional Information |
An excessive withdrawal fee of $5.00 will be charged for
each withdrawal to a third party in excess of six during a
statement cycle. |
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American Eagle Checking
Account |
| Account
Description |
Checking
with accidental death insurance benefits, amounts vary |
| Minimum
Balance to Open |
None |
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Minimum Balance Requirement |
None |
| Monthly
Service Fee |
$7.50 –
Individual
$8.50 – Joint
$9.50 – Family |
| Limits to
Check Writing/Withdrawals |
None |
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Additional Information |
- First two boxes of checks free.
- Free 3x5 safety deposit box rental for first year
- Free cashier checks and money orders
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Business Checking |
| Account
Description |
Checking
for businesses, non-profit, and civic organizations |
| Minimum
Balance to Open |
$250 |
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Minimum Balance Requirement |
$500 to avoid fee |
| Monthly
Service Fee |
$7.00 if
at any time during the month the account balance falls below
$500 |
| Limits to
Check Writing/Withdrawals |
None |
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Accounts Page |
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Regular Savings |
| Account
Description |
Simple,
interest-bearing savings with no regular service fees |
| Minimum Balance to
Open |
$200, or
$0 with direct deposit |
| Minimum
Balance Requirement |
$25 to earn interest |
| Interest Rate |
Please
call for current interest rates – (903) 572-1776 |
| Monthly Service Fee |
None |
| Limits to
Check Writing/Withdrawals |
Transfers from a Regular Savings or TUTMA Savings
account to another account or to third parties by
preauthorized, automatic, telephone, or computer
transfer are limited to six per month with no transfers
by check, draft, debit card, or similar order to third
parties. |
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Additional Information |
An excessive withdrawal fee of $2.00 will be charged
for each withdrawal in excess of three during a quarter. |
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Accounts Page |
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TUTMA Savings |
| Account
Description |
For
minors under the age 21, interest-bearing savings with no
regular service fees |
| Minimum Balance to
Open |
None |
| Minimum
Balance Requirement |
$25 to earn interest |
| Interest Rate |
Please
call for current interest rates – (903) 572-1776 |
| Monthly
Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
Transfers from a Regular Savings or TUTMA Savings
account to another account or to third parties by
preauthorized, automatic, telephone, or computer
transfer are limited to six per month with no transfers
by check, draft, debit card, or similar order to third
parties. |
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Additional Information |
An excessive withdrawal fee of $2.00 will be charged
for each withdrawal in excess of three during a quarter. |
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Accounts Page |
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FDIC Notice |
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All funds in a “noninterest-bearing transaction
account” are insured in full by the Federal Deposit Insurance
Corporation from December 31, 2010, through December 31, 2012. This
temporary, unlimited coverage is in addition to, and separate from,
the coverage of at least $250,000 available to depositors under the
FDIC’s general deposit insurance rules. The term
“noninterest-bearing transaction account” includes a traditional
checking account or demand deposit account on which the insured
depository institution pays no interest. It also includes
Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other
accounts, such as traditional checking or demand deposit accounts
that may earn interest, NOW accounts, and money-market deposit
accounts.
For more information about temporary FDIC insurance
coverage of transaction accounts, visit www.fdic.gov. |
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