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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 a checking account today. Schedule an appointment to meet with a member of our experienced banking team or contact us today!

Open An Account

Checking with no minimum balance requirement

  • $0 monthly charge
  • 3 ATM waivers per month when using other banks' ATMs
  • Unlimited check writing
  • Only $50 to open
All Personal Checking accounts include:  
  • Online and Mobile Banking
  • eStatements & Text/Email Alerts
  • MyCardRules Card Management App
  • 24/7 Telephone Banking
  • Mobile Banking with Mobile Deposit
  • Apple Pay, Google Pay, and Samsung Pay
  • Instant Issue Visa Debit Cards
  • ATM Waivers (Amount varies by account type)

 Simple Checking Advantage Checking Premier Checking
Monthly Pricing $0 $10 $20
How to avoid monthly charge 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 yes yes
ATM Access 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; 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 is available for $3 eStatement provided at no cost; paper statement is available for $3 eStatement or paper statement provided at no cost
Opening Amount $50 $50 $50




Checking with no minimum balance requirement with perks for those 60+

  • $0 monthly charge
  • 3 ATM waivers per month when using other banks' ATMs
  • Unlimited check writing
  • Free paper statements with check images included
  • Only $50 to open
All personal checking accounts include: 
  • Online and Mobile Banking
  • eStatements & Text/email Alerts
  • MyCardRules Card Management App
  • 24/7 Telephone Banking
  • Mobile Banking with Mobile Deposit
  • Apple Pay, Google Pay, and Samsung Pay
  • Instant Issue Visa Debit Cards
  • ATM Waivers (Amount varies by account type)


 Simple Checking Advantage Checking Premier Checking
Monthly Pricing $0 $10 $20
How to avoid monthly charge 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 yes yes
ATM Access 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; 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 is available for $3 eStatement provided at no cost; paper statement is available for $3 eStatement or paper statement provided at no cost
Opening Amount $50 $50 $50




Checking that thanks you with interest

  • Maintain a $1,000 daily balance or make a monthly direct deposit to avoid $10 monthly charge
  • Interest bearing
  • eStatement available at no charge
  • Three ATM waivers per month
  • Unlimited check writing; first order of wallet style checks provided free or $10 discount on specialty checks
  • $10 off standard size safe deposit box per year

All personal checking accounts include: 
  • Online and Mobile Banking
  • eStatements & Text/Email Alerts
  • MyCardRules Card Management App
  • 24/7 Telephone Banking
  • Mobile Banking with Mobile Deposit
  • Apple Pay, Google Pay, and Samsung Pay
  • Instant Issue Visa Debit Cards
  • ATM Waivers (Amount varies by account type)


 Simple Checking Advantage Checking Premier Checking
Monthly Pricing $0 $10 $20
How to avoid monthly charge 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 yes yes
ATM Access 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; 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 is available for $3 eStatement provided at no cost; paper statement is available for $3 eStatement or paper statement provided at no cost
Opening Amount $50 $50 $50




Checking that thanks you with interest

  • Maintain a $2,500 daily OR $25,000 combined loan and deposit balance to avoid $20 monthly charge
  • Interest bearing
  • eStatement or paper statement available at no charge
  • Unlimited ATM waivers
  • Unlimited check writing; one order of wallet style checks provided free each year or $10 discount on specialty checks
  • Complimentary standard size safe deposit box rental or $20 off per year on a larger box

All personal checking accounts include:
  • Online and Mobile Banking
  • eStatements & Text/Email Alerts
  • MyCardRules Card Management App
  • 24/7 Telephone Banking
  • Mobile Banking with Mobile Deposit
  • Apple Pay, Google Pay, and Samsung Pay
  • Instant Issue Visa Debit Cards
  • ATM Waivers (Amount varies by account type)
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.