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BUSINESS CHECKING SOLUTIONS
COMMERCIAL CHECKING - Maintain sufficient balances to offset the cost of services, or choose to pay the monthly service fees based on transaction volume.
BUSINESS VALUE ACCOUNT - Ideal account for small businesses such as Sole Proprietorships with low activity. Enjoy as many as 300 transactions free per statement cycle (debits and credits, including items deposited and ACH transactions).
AMERICAN VALUE CHECKING - A perfect choice for small businesses with very low activity. Enjoy no minimum balance requirement, no monthly service charge, and 150 transactions free per statement cycle (debits and credits, including items deposited and ACH transactions).
PLATINUM MONEY MARKET ACCOUNT - Enjoy higher-tiered interest rates on larger balances, up to six withdrawals (three by check), and full use of your money while earning interest.
COMMUNITY CHECKING SOLUTIONS
COMMUNITY COMMERCIAL CHECKING - Available to governmental entities and non-profit organizations operating primarily for religious, philanthropic, educational, political, or other similar purposes. A non-interest bearing account with unlimited check writing privileges and no monthly service charge when you maintain the daily minimum balance requirement.
COMMUNITY INTEREST CHECKING - Available to governmental entities and non-profit organizations operated primarily for religious, philanthropic, educational, political, or other similar purposes. Earn interest at competitive checking rates while enjoying unlimited check writing privileges and no monthly service charge when you maintain the monthly minimum balance.
COMMUNITY AMERICAN VALUE CHECKING - Ideal account for governmental entities and non-profit organizations and clubs with very low activity. Enjoy no minimum balance requirement, no monthly service charge, and 150 transactions free per statement cycle (debits and credits, including items deposited and ACH transactions).
CASH MANAGEMENT
ACH ORIGINATION - Use our Automated Clearing House (ACH) origination service for a wide variety of banking transactions to save time and money.
ACCOUNT RECONCILIATION - Automated approach which drastically reduces time spent on reconciling monthly statements.
POSITIVE PAY - A fraud deterrent which matches checks to be paid with the items that are issued. Any mismatched item may be returned or submitted to the customer for approval.
PAYROLL DIRECT DEPOSIT - Save time and money while your employees benefit from FREE Direct Checking, FREE VISA® Debit card, FREE AmeriLink Internet Banking, FREE Access American phone banking, and more.*
WIRE TRANSFERS - The fastest means of moving funds into an account. We offer both international and domestic wires.
*Normal account approval required.
For more information concerning these products, please contact a Customer Service Representative at your nearest office.
OTHER BUSINESS SOLUTIONS
CD-ROM STATEMENTS - A complete check and deposit detail to review, research, and reconcile checking accounts. Drastically reduce storage of paper statements and maintain necessary information to file taxes.
BILL PAY - Pay recurring, occasional, and one-time bills. It’s fast, convenient and secure.
MERCHANT CREDIT CARD SERVICES - Reliable, high-speed payment processing service with 24-hour customer service.
BUSINESS CREDIT CARDS - Use our Business Advantage Cards for everything from business supplies to airline tickets, hotel stays, and much more. As with any Visa® or MasterCard®, the Business Advantage card is accepted worldwide.
BUSINESS VISA® CHECK CARDS – Looks like a credit card, but works like a check. Use it anywhere Visa® is accepted and the amount of your purchase is automatically deducted form your deposit account. The card may also be used at any Automated Teller Machine displaying the Visa® logo to make withdrawals, transfers, or obtain account information. *
REPO SWEEP - Maximize your return on excess balances which are automatically invested. Earn competitive interest rates.
INVESTMENT OPTIONS - Our Trust and Investment Services Division offers a customized investment strategy to meet your long-term financial goals to include retirement plans, 401k, brokerage, simple IRAs, and more.
INSURANCE SOLUTIONS - Our partner, Banker’s Insurance, LLC, offers outstanding business and personal insurance to meet your needs.
Securities and Insurance Products: Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a deposit of or Guarenteed by a Bank or any Bank Affiliate.
*Fees may apply to ATM usage outside the American National network. Qualifications may be required.
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