Personal Accounts

Deposit Account Services - Included At No Additional Cost
Direct Deposit	Bill Pay
Debit Cards (addable to digital wallets, and now tap enabled)	Notary service
2 Local ATM Locations	Night Deposit
No ATM fees at any ATM	Mobile Remote Deposit
Online & Mobile Banking	24-hour Automated Telephone Banking

What account best suits your needs? We’ve designed a host of different deposit accounts to help you manage, save, and spend your money on your terms.

Apply for an Account

Scroll to the left to view the rest of the table.

	Individual Checking	Senior Citizen Checking	American Eagle Checking	NOW Checking	Money Market Checking	Business Checking	Individual Savings	TUTMA Savings
Account Overview	Simple checking Unlimited check writing and no regular monthly service fees	Non-interest-bearing checking for persons age 60 or older	Checking with accidental death insurance benefits* Benefit amounts vary	Interest-bearing checking Unlimited check writing and withdrawals	Interest bearing checking Limited check writing and withdrawals: interest rates based on balance tiers	Business checking Unlimited check writing	Savings Interest bearing savings with no regular service fees	For minors under the age of 21 Interest bearing savings with no regular service fees
Minimum to Open	$200, or $0 with direct deposit	None	None	$1500	$5000	$500	$200 or $0 with direct deposit	None
Minimum Daily Balance Requirement	None	None	None	$1500 to avoid fee $1000 to earn interest	$5000 to avoid fee $1000 to earn interest	$500 to avoid fee	$25 to earn interest	$25 to earn interest
Monthly Service Fee	None	None	$7.50 - individual $8.50 - joint $9.50 - family	$10 if balance requirement is not met	$15 if balance requirement is not met	$7.50 if balance requirement is not met	None	None
Limits to Withdrawals	None	None	None	None	None¹	None	None²	None²
Free Checks	-	Free Bank custom wallet checks	First two boxes of the Bank's custom wallet checks	-	-	-	-	-
Free Safe-Deposit Box Rental	-	3x5 box free for first year	3x5 box free for first year	-	-	-	-	-
Free Cashiers Checks and Money Orders	-	Yes	Yes	-	-	-	-	-

*Accidental death insurance benefits are not deposit products, not FDIC-insured, not insured by any Federal Gov't agency, and not guaranteed by the bank.

¹An excessive withdrawal fee of $5.00 will be charged for each withdrawal or transfer in excess of six during a statement cycle.

²An excessive withdrawal fee of $2.00 will be charged for each withdrawal or transfer in excess of six during a quarter.

Spend & Save - Regular checking and savings work together - Debit card transactions from your checking account round up to the next whole dollar and the difference is deposited into your American National Bank Savings account.

Overdraft and Insufficient Funds Programs -

An overdraft occurs when you do not have enough money, or insufficient funds, in your account to cover a transaction, but the bank honors the transactions and allows the account to temporarily carry a negative balance until additional funds can be deposited. American National Bank of Mount Pleasant has three programs to help our customers with such transactions. View the program details for the Overdraft and Insufficient Funds Programs (OD/NSF).

Certificates of Deposit

Certificates of Deposit (CDs) are a secure way to invest your hard-earned money. We offer a fixed rate of interest over terms ranging from 3 months to 60 months and flexible interest payment options, including payment by check, deposit to account, or compounding back to the CD. Penalties for early withdrawal may apply.

IRAs

Maximize the benefits of an American National Bank Individual Retirement Account (IRA), which allows you to invest in your retirement with secure, low-risk CDs. Some terms and fees may apply to all accounts. Contact New Accounts/Customer Service for more information.

Health Savings Accounts

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses for individuals with high deductible health plans. The funds can be used for your personal qualified medical expenses and those of your spouse and your dependents. Must have HSA eligible healthcare plan to qualify.