THE AMERICAN National Bank of Beaver Dam

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We offer Checking Accounts, Savings Accounts, Money Market Accounts, Certificates of Deposit and many ways to simplify your banking.

Checking Accounts*

At the American National Bank we realize your checking account is an essential tool that needs to work for you day and night.  All of our checking accounts are designed to provide you with easy access to your account, the security you expect and the convenience you want.  We offer BASIC CHECKING, TOTALLY FREE CHECKING, ON THE GO CHECKING, MORTGAGE ADVANTAGE PLAN (MAP), INTEREST BEARING CHECKING .  All of our checking accounts offer the following benefits:

 

EASY ACCESS

No annual fee ATM or Debit Card

Internet banking without a service charge

24-hour automated telephone banking

 

CONVENIENCE

Monthly statements will include images of all checks and deposit tickets

Optional overdraft protection

 

SECURITY

Passwords and personal identification numbers for electronic banking

FDIC Insured on deposits up to $100,000

1,000 accidental death insurance

 

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BASIC CHECKING

Our most basic checking account provides you with unlimited access and the opportunity to waive your monthly service fee if you meet one of the following qualifications:

Direct deposit of your payroll check

Maintain $400 in a savings account

Maintain $300 in the checking account

Seniors age 62 or older

A service charge of $6.00 per statement cycle and $.25 per check or automatic payment will apply if none of these options are met.

 

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TOTALLY FREE CHECKING

Our FREE checking account offers you the freedom to write as many checks as you want without paying a monthly service fee.  You also enjoy unlimited ATM access with you use any of the American National Bank of Beaver Dam ATM's.  This is the ideal account for anyone who doesn't want to maintain a minimum balance and doesn't want to be charged a monthly maintenance fee.

No minimum balance required

Unlimited check writing

Free ATM withdrawals at any American National Bank of Beaver Dam location.

 

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ON THE GO CHECKING

Our interest bearing account that lets our seniors age 50 or better enjoy the financial benefits of our On The Go Club.  To qualify, simply maintain accounts with combined balances of at least $2,500.

Complimentary checks in selected styles

No minimum balance required

Unlimited check writing

 

Additional benefits for On The Go Club members:

20% discount on safe deposit boxes

No service charge on travelers' checks (nominal fee for Checks for Two or foreign checks)

Guided tours on a deluxe motor coach for a nominal fee

Free Online Bill Pay

 

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MORTGAGE ADVANTAGE PLAN (MAP)

We reward our mortgage customers with the benefits of our Mortgage Advantage Plan.

No minimum balance checking

Unlimited check writing

One free box of personalized checks

 

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INTEREST BEARING CHECKING

Our checking accounts that pay interest with the convenience of check writing.

All balances earn interest

Unlimited check writing

Free online bill pay

A service charge of $8.00 will be charged if the minimum balance of $999 is not maintained.

 

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* A minimum deposit of $100 is required to open all checking accounts.

 

 

SAVINGS ACCOUNTS

 

At the American National Bank choose from several account options depending on your savings goals.  Whether you are saving for your future needs or just a rainy day we have the right account for you.  Our Savings accounts include:  Basic Savings, Junior Savers Club and Holiday Club Account.  All savings accounts require a $25.00 minimum opening deposit.

 

All of our savings accounts offer the following benefits:

No annual fee ATM card

Internet banking without a service charge

24-hour automated telephone banking

Periodic statements

 

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BASIC SAVINGS

Our traditional savings account.  To avoid a monthly service fee, meet one of the following requirements:

Maintain $100 in the savings account

Seniors age 62 or older

Minors less than 18 years of age

Mortgage customers (MAP)

A monthly service fee of $3.00 applies to accounts that do not meet any of these requirements.

 

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JUNIORS SAVERS CLUB

Teaches children to save by making savings fun.  This account is for all children 12 and younger.

No monthly service fee

Periodic newsletters from "Aunt Samantha"

 

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HOLIDAY CLUB ACCOUNT

Our savings account that is perfect for saving for the holidays or year end expenses.

No monthly service fees

Account balance and earnings are paid to you by check in October

 

 

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Money Market Accounts

For customers to maintain a higher balance we offer the money market account.  This account has the benefit of a competitive rate of interest while being accessible by check, teller withdrawal, and automatic or telephone transfer.

 

MONEY MARKET INDEX

A smart choice for customers able to maintain a $10,000 balance who want the ultimate combination of daily access and competitive market based interest rates.

Interest credited monthly

Up to 3 withdrawals by check per month

Up to 3 electronic withdrawals (including ATM, Interest Transfers, Automatic deductions and transfers by phone) per month

Unlimited over the counter withdrawals

 

A monthly maintenance fee of $10 can be waived by maintaining a minimum balance of $5,000.

 

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Certificates of Deposit

A great way to increase your savings in a fully insured, no risk investment.  Perfect for those who have a specific sum of money to put away for a pre-determined amount of time and would like a guaranteed rate.  We offer a variety of rates and terms to meet your needs.

 

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Simplify Your Banking

 

ATM CARDS:

Access to your accounts 24 hours a day at convenient ATM locations.

 

Debit Cards:

Everyday purchases can be made from your checking account without the inconvenience of having to write a check.  For additional convenience you are also able to use your Debit Card at ATM locations.

 

Answerline:

24 hour automated telephone access to account information.  Obtain account balances, transfer between accounts, check loan information and deposit status.  (920) 885-2715 or toll free 1-888-987-BANK (2265).

 

Overdraft Protection:

Protects you from unexpected expenses or miscalculations in your checking account.  Choose from either a personal line of credit or a personal savings transfer.

 

Monthly Statement with Check Imaging:

Check images are provided with your easy to read monthly statements.  All of your American National Bank accounts can be combined on one statement.

 

Direct Deposit:

Eliminate a trip to the bank.  Have your payroll, pension or government checks automatically deposited safely  to your account.

 

Additional Services

Safe Deposit Boxes

Night Deposit

Bank by Mail

Travelers Checks

Automatic Transfers, loan and deposit

Notary Service

Credit Cards

Savings Bonds

 

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