Woman paying contactless with card in restaurant

Personal Checking

Do more with your money.

The SafeSpend Account

No overdraft fees. No surprises.

 

If you’ve never had a bank account or want to start banking again, welcome to SafeSpend. Start building a stronger financial foundation with free paycheck direct deposit, no services fees and no minimum balance fees. Plus, with online and mobile banking, you can pay bills, track spending and save more.

Personal Checking Options

 

Basic Checking

Premium Checking

High-Yield Checking

Benefits
Benefits

Easy to access funds, no monthly service fees, chat support on ANB Go app, account alerts, digital banking access including bill pay, mobile deposit, budgeting tool, external transfers, online transfers

Benefits

Earns interest, first check order is free, chat support on ANB Go app, account alerts, digital banking access including bill pay, mobile deposit, wealth management tool, online transfers

Benefits

Earns high interest, chat support on ANB Go app, account alerts, digital banking access including bill pay, mobile deposit, wealth management tool, online transfers

Minimum to Open
Minimum to Open

$25

Minimum to Open

$25

Minimum to Open

$25

Minimum Balance
Minimum Balance

$0

Minimum Balance

$750
Average Daily Balance

Minimum Balance

$1,500
Average Daily Balance

Monthly Service Charge
Monthly Service Charge

$0

Monthly Service Charge

$15
(If balance falls below $750)

Monthly Service Charge

$5
(If balance falls below $1,500)

Statement
Statement

FREE eStatements
Paper Statements – $5

Statement

FREE eStatements
Paper Statements – $5

Statement

FREE eStatements
Paper Statements – $5

Qualifications
Qualifications

None

Qualifications

Maintain average daily balance of $750

Qualifications

Minimum monthly banking qualifications required to post and clear to earn high-yield interest rate: (15) debit card purchases, (3) automatic debit (ACH) or Bill Pay transactions, one monthly login to online/mobile banking, $2,500 in monthly deposits (ACH credit, check or cash deposit, mobile deposit)

Time to reorder checks?

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American National Bank Checking Benefits

Get all these benefits and more!

Frequently Asked Questions

Have questions? Read our personal checking and deposit account FAQs, or contact us today.