Personal Deposit Accounts

Preferred Checking

  • $500 Minimum Deposit to Open
  • Interest Bearing
  • Interest is calculated and compounded daily on 100% of the collected balance and credited to your account monthly. $15 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $5,000 average balance monthly. Maintenance Fee can also be avoided by maintaining $10,000 in combined average balances of deposit relationships and/ or loan balances.
  • 50% off personalized checks in selected styles
  • Free Official Checks
  • Safe Deposit Box discount of 10%
  • Free Debit MasterCard®, overdraft and returned item fees may apply
  • Free USAB Mobile, mobile carrier fees may apply
  • Free Internet Banking and Bill Payment, Internet service provider fees may apply
  • Unlimited Check Writing
  • Free Check Images with Monthly Statement

Choice Checking

  • $500 Minimum Deposit to Open
  • Avoid the $8 monthly maintenance fee with one of the following:
  • Maintain an average balance of $1,500 or
  • Have one (1) qualifying direct deposit of $500 or more or
  • Have ten (10) Debit Card purchases
  • Free first order of personalized checks in selected style
  • Free Debit MasterCard®, overdraft and returned item fees may apply
  • Free USAB Mobile, mobile carrier fees may apply
  • Free Internet Banking and Bill Payment, Internet service provider fees may apply
  • Unlimited Check Writing
  • Free Check Images with Monthly Statement

Personal Banking

Have questions? We have answers.

Please use the form below to contact us.

Student Checking

  • $100 Minimum Deposit to Open
  • No Monthly Maintenance Fee up to the age of 26
  • At age 26, the account reverts to the Choice Checking account
  • Free Debit MasterCard®, overdraft and returned item fees may apply
  • Free USAB Mobile, mobile carrier fees may apply
  • Free Internet Banking and Bill Payment, Internet service provider fees may apply
  • Unlimited Check Writing
  • Free Check Images with Monthly Statement

USAmeriBank Personal Money Market

  • $1,500 Minimum Deposit to Open
  • Interest Bearing
  • Interest is calculated and compounded daily on 100% of the collected balance and credited to your account monthly.
  • $12 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $1,500 minimum daily balance.
  • Free first order of personalized checks in selected style
  • Transaction Limitations: Transfers from a Personal Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Withdrawals or transfers by mail, in person at one of our offices, and through an ATM are unlimited and are not subject to the withdrawal limitations. Fees: An excess withdrawal fee of $5 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of six during a statement cycle.
  • Free Debit MasterCard®, overdraft and returned item fees may apply
  • Free USAB Mobile, mobile carrier fees may apply
  • Free Internet Banking and Bill Payment, Internet service provider fees may apply
  • Free Check Images with Monthly Statement

USAmeriBank Personal Savings
(must be 18 years old to open in Florida, 19 in Alabama)

  • $100 Minimum Deposit to Open
  • Interest is calculated and compounded daily on the collected balance and credited to your account monthly.
  • $10 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $100 average daily balance.
  • Transaction Limitations: Transfers from a Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Fees: An excess withdrawal fee of $3 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three per month.
  • Free USAB Mobile, mobile carrier fees may apply
  • Free Internet Banking and Bill Payment, Internet service provider fees may apply

USAmeriBank Minor Savings
(maximum age of 17 in Florida, 18 in Alabama)

  • $25 Minimum Deposit to Open
  • At the age of 18 in Florida, or age 19 in Alabama, the account reverts to USAmeriBank Personal Savings.
  • Interest is calculated and compounded daily on the collected balance and credited to your account monthly.
  • No Monthly Maintenance Fee
  • Transaction Limitations: Transfers from a Minor Savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties. If an account continuously exceeds the debit transactions allowed, we are required by law to reclassify or close the account. Fees: An excess withdrawal fee of $3 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of three each month
  • Free USAB Mobile, mobile carrier fees may apply
  • Free Internet Banking and Bill Payment, Internet service provider fees may apply

Individual Retirement Account (IRA)

USAmeriBank can help you choose the individual retirement savings program that works best for you. Traditional and Roth IRAs are available. Interest is compounded daily and paid on ledger balances. There are no monthly fees; however, substantial penalties will apply for premature withdrawals from fixed term IRAs. Be sure to ask how choosing the right IRA can help you realize your retirement goals.

Certificates of Deposit

For customers who do not require immediate access to their funds and want to earn a higher rate of interest, USAmeriBank offers a variety of CD options and term lengths. Competitive interest is compounded daily. CD accounts are fee free; however, substantial penalties will apply for early withdrawals. CD accounts earn interest at the rate and Annual Percentage Yield (APY) printed on the face of the certificate for the initial term of the certificate. For each automatic renewal, the interest rate and Annual Percentage Yield (APY) will renew at the prevailing APY and for the same term length.

Safe Deposit Box Service

USAmeriBank can help you choose the individual retirement savings program that works best for you. Traditional and Roth IRAs are available. Interest is compounded daily and paid on ledger balances. There are no monthly fees; however, substantial penalties will apply for premature withdrawals from fixed term IRAs. Be sure to ask how choosing the right IRA can help you realize your retirement goals.

Safe Deposit Box Service

Safe deposit boxes provide peace of mind for the safety and security of your personal valuables i.e. important documents, jewelry and valued collectibles. Boxes come in a variety of sizes and are available for an annual rental fee Access is available to you during branch lobby hours. Please contact your local branch for size availability and fees.

Internet Banking

You can access your bank account through the Internet at no charge. Check your deposit account balances, loan balances, and transfer funds between accounts. For your convenience, an online banking demo is available here. If you wish to enroll please contact a bank representative for additional information. At USAmeriBank we provide more than just personal banking products. We provide relationship banking with real people, extensive product knowledge, hands-on experience and dedication to you.

Prestige Plus Checking (age 55 and over)

  • $500 Minimum Deposit to Open
  • Interest Bearing
  • Interest is calculated and compounded daily on 100% of the collected balance and credited to your account monthly.
  • $25 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $25,000 average balance monthly. Maintenance Fee can also be avoided by maintaining $25,000 in combined average balances of deposit relationships and/ or loan balances.
  • Bonus Rates on Certificate of Deposits
  • Free Personalized Checks in Selected Style
  • Free Official Checks
  • 50% discount on Safe Deposit Box Rental
  • At least one account owner must be 55 years of age or older to qualify for this account.
  • Free Debit MasterCard®, overdraft and returned item fees may apply
  • Free USAB Mobile, mobile carrier fees may apply
  • Free Internet Banking and Bill Payment, Internet service provider fees may apply
  • Unlimited Check Writing
  • Free Check Images with Monthly Statement

*Prestige is currently offered in the Alabama region only.

For more information about Prestige or any of its offerings, please contact Nannette Sheaffer at 205-408-2066 or email her at nsheaffer@usameribank.com.

Nannette Sheaffer

Vice President / Prestige Manager – Meadowbrook Office
Office: 205-408-2066
Email: NSheaffer@usameribank.com

Prestige Travel & Activities Info*

2015 holds an amazing array of trips that are sure to entice any type of traveler or budget needs.

Extended Vacations:

SOLD OUT – Ultimate Alaska Inside Passage on Norwegian Cruise Line
June 7 – June 19, 2015
7 nights on the Norwegian Sun and 4 nights Denali Land Tour

SOLD OUT – Quintessential Cape Cod featuring Nantucket, Martha’s Vineyard and Newport, RI
August 30 – September 5, 2015
7 days/6 nights

LIMITED AVAILABILTY – Luxurious Danube River Cruise with 2 nights in Prague
October 11 – October 26, 2015
11 days/9 night cruise

SOLD OUT – Christmas with the Mormon Tabernacle Choir Annual Performance and Park City’s
Olympic Park
December 8 – December 12, 2015
5 days/4 nights

Quick Trips:

Charleston, SC
April 28 – May 1, 2015
Experience true southern hospitality and charm in a city known for rich history, well-preserved architecture and mannerly people.
Learn More

Branson, MO
July 16 – July 19, 2015
Located in the Ozark Mountains in southwest Missouri, the town offers spectacular views, a variety of musical entertainment, plus numerous other attractions and great dining.
Learn More

Day Trips:

Please see our Fall 2014 Newsletter for day trip opportunities.

Register for Prestige Trips
To join any of our trips, please complete the registration form and return to
Nannette Sheaffer. Have questions about any of the trips, contact Nannette at:
Phone: (205) 408-2066
Email: nsheaffer@usameribank.com

*Prestige is currently offered in the Alabama region only.

We need your email address!
There are many times when Prestige will be offering last minute events and day trips. The best way to get information out to our members is through email. Please take a minute and send your email address to Nannette Sheaffer at nsheaffer@usameribank.com to make sure you do not miss any of the fun!