Personal Deposit Accounts

USAmeriBank offers a number of options for your checking and savings account needs. Most include valuable free services such as Internet Banking. Help and timely answers are available on the phone or at your local branch.

Free Personal Checking*

  • $100 Minimum Deposit to Open
  • No Monthly Maintenance Fee
  • Unlimited Check Writing
  • Free myAccess Internet Banking
  • Free Bill Payment
  • Free Debit MasterCard®
  • Free First Order of Checks

*Applicable fees as listed on our Schedule of Fees will still apply.

Personal Checking

  • $500 Minimum Deposit to Open
  • $8 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $1,000 minimum daily balance. Maintenance Fee can also be avoided by maintaining $10,000 in combined average balances of deposit relationships and/or loan balances.
  • Unlimited Check Writing
  • Free myAccess Internet Banking
  • Free Bill Payment
  • Free Debit MasterCard®
  • Free Personalized Checks in Selected Style
  • Free Official Checks

Interest Checking

  • $2,000 Minimum Deposit to Open
  • Tiered Interest Rate Structure
  • Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily collected balance of $5,000 required to earn interest.
  • $10 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $2,000 minimum daily balance. Maintenance Fee can also be avoided by maintaining $15,000 in combined average balances of deposit relationships and/or loan balances.
  • Unlimited Check Writing
  • Free myAccess Internet Banking
  • Free Bill Payment
  • Free Debit MasterCard®
  • Free First Order of Checks
  • Free Official Checks
  • Safe Deposit Box discount of 25% with automatic payment from USAmeriBank Checking Account

50 Plus Checking (age 50 and over)

  • $100 Minimum Deposit to Open
  • No Monthly Maintenance Fee
  • Unlimited Check Writing
  • Free myAccess Internet Banking
  • Free Bill Payment
  • Free Debit MasterCard®
  • Free Personalized Checks in Selected Style
  • Free Official Checks
  • Safe Deposit Box discount of 25% with automatic payment from USAmeriBank Checking Account
  • At least one account owner must be 50 years of age or older to qualify for this account.

Personal Money Market

  • $1,500 Minimum Deposit to Open
  • Tiered Interest Rate Structure
  • Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily collected balance of $2,500 required to earn interest.
  • $12 Monthly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $1,500 minimum daily balance.
  • 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 $5.00 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 myAccess Internet Banking
  • Free Debit MasterCard® with primary USAmeriBank Checking Account.
  • Free First Order of Checks

Savings Account (must be 18 years old to open)

  • $100 Minimum Deposit to Open
  • Tiered Interest Rate Structure
  • Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. Minimum daily collected balance of $100 required to earn interest.
  • $3 Quarterly Maintenance Fee; Maintenance Fee can be avoided by maintaining a $300 minimum 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 $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six each quarter.
  • Free myAccess Internet Banking

Minor Savings (maximum age of 17)

  • $25 Minimum Deposit to Open
  • Tiered Interest Rate Structure
  • Interest is calculated and compounded daily on the collected balance and credited to your account quarterly. Minimum daily collected balance of $25 required to earn interest.
  • 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 $2.00 will be charged for each debit transaction (withdrawal, automatic transfer or payment out of this account) in excess of six each quarter.

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.

CDARS

Certificate of Deposit Account Registry Service®, or CDARS®, is a service that allows USAmeriBank to provide customers with access to full FDIC insurance on CD investments up to $50 million. USAmeriBank is part of a network of banks that allows us to place funds into CDs issued by other banks in the network. Both principal and interest are eligible for FDIC coverage. The customer will receive one statement from USAmeriBank summarizing all of the CDARS® holdings.

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.

myAccess 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.