Family at home eating meal in kitchen together

Personal Checking

Everyday checking accounts for everyone.

Checking for Everyone

At American National Bank, We offer a few checking account options because we understand one size does not fit all. Take a look - you're sure to find an ideal checking account to meet your needs. Once you find a plan that best fits your needs, open a checking account online - instantly! It’s that easy.  Open an account online or schedule an appointment today!


Compare Personal Checking Accounts

Clear Checking
Simple Checking Advantage Checking Premier Checking 
Ideal For students, first-time account holders, and those who want guardrails from fees those who don't want to worry about a minimum balance those with monthly direct deposit those who maintain higher balances
Account Description BankOn-certified checking account without extra fees a checking account without a minimum balance Maintain a $1000 daily balance OR have a monthly direct deposit Maintain a $2,500 daily OR $25,000 combined loan and deposit balance
Monthly Charge $5 $0 $10 $20
How to Avoid Monthly Charge waived if age 13-24 n/a Maintain a $1000 daily balance OR have a monthly direct deposit Maintain a $2,500 daily OR $25,000 combined loan and deposit balance
Interest no no yes yes
ATM Waivers Unlimited ATM waivers when using other banks' ATMs 3 ATM waivers per month when using other banks' ATMs 3 ATM waivers per month when using other banks' ATMs Unlimited ATM waivers when using other banks' ATMs
Checks unlimited check writing unlimited check writing unlimited check writing; first order of wallet-style checks free or $10 discount on specialty checks unlimited check writing; one order of wallet-style checks provided free per year or $10 discount on specialty checks
Statement Options eStatement provided at no cost; paper statement available for $2 eStatement provided at no cost; paper statement is available for $3 eStatement provided at no cost; paper statement is available for $3 eStatement or paper statement provided at no cost
Safe Deposit Box Available for rent Available for rent $10 off standard size safe deposit box per year
Complimentary standard size safe deposit box rental or $20 off per year on a larger box
Opening Amount $25 $50 $50 $50


*Simple Checking Plus is available for customers age 60+  and has  all the same benefits as Simple Checking, but includes free paper statements with check images









ANY ATM IS YOUR ATM

All personal checking accounts offer ATM waivers.

This means you can use any ATM - even one at another bank and we will waive the fees associated with using it. We know we can't be everywhere and want to make it easy for you to access your money wherever you go. Please note: the number of monthly waivers varies by account type. 
Man holding dog inside bank

Get a debit card instantly!


Your checking account is central to your financial life so once it's set up, it's understandable you want to begin using it right away. With our instant issue debit cards, you can begin making purchases with funds from your account anywhere VISA® Debit Cards are accepted. Your debit card also works with:

  • EMV Chip Card Protection
  • Tokenized Mobile Payments - Apple Pay, Samsung Pay, and Google Wallet
  • Card Management - Turn your card on or off, set up alerts and spending parameters, and more - all built in to our online banking and mobile app platforms. Learn more.

Mobile Banking

Save time and money with mobile banking. Pay bills, transfer funds, make deposits, and more.