Free Personal Checking
- $100 Minimum Deposit to Open
- No Monthly Balance Requirement Fee
- Unlimited Check Writing
- Free Internet Banking
- Free Bill Payment
- Free Debit MasterCard
Personal Checking
- $500 Minimum Deposit to Open
- $8 Monthly Balance Requirement Fee; Balance Requirement Fee can
be avoided by maintaining a $1,000 minimum daily collected balance.
Balance Requirement Fee can also be avoided by maintaining $10,000
in combined balances of deposit relationships and/or loan balances.
- Unlimited Check Writing
- Free Internet Banking
- Free Bill Payment
- Free Debit MasterCard
- Free Personalized Checks in Selected Style
- Free Travelers Checks and 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 collected daily balance
of $5,000 required to earn interest.
- $10 Monthly Balance Requirement Fee; Balance Requirement Fee can
be avoided by maintaining a $2,000 minimum daily collected balance.
Balance Requirement Fee can also be avoided by maintaining $15,000
in combined balances of deposit relationships and/of loan balances.
- Unlimited Check Writing
- Free Internet Banking
- Free Bill Payment
- Free Debit MasterCard
- Free Travelers Checks and 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 Balance Requirement Fee
- Unlimited Check Writing
- Free Internet Banking
- Free Bill Payment
- Free Debit MasterCard
- Free Personalized Checks in Selected Style
- Free Travelers Checks and Official Checks
- Safe Deposit Box discount of 25% with automatic payment from USAmeriBank
Checking 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 collected daily balance
of $2,500 required to earn interest.
- $12 Monthly Balance Requirement Fee; Balance Requirement Fee can
be avoided by maintaining a $1,500 minimum daily collected balance.
- Six (6) total withdrawal or debit transactions are allowed with
no
more than three (3) debits by check or draft to third party; additional
debits, withdrawals, checks, or drafts are $5.00 each, regardless
of balance. If an account continuously exceeds the debit transactions
allowed, we are required by law to reclassify or close the account.
- Free Internet Banking
- Free Debit MasterCard with primary USAmeriBank Checking Account.
Minor Savings
(Guardian must be co-owner, maximum age of 17)
- $25 Minimum Deposit to Open
- Interest is calculated and compounded daily on the collected
balance and credited to your account monthly. Minimum collected daily
balance of $25 required to earn interest.
- No Monthly Balance Requirement Fee.
- Two (2) total withdrawal or debit transactions allowed per month
Additional debits are $2 each, regardless of balance
(Withdrawal limits may apply).
- Free Internet Banking
Savings Account
(Must be 18 years old to open)
- $100 Minimum Deposit to Open
- Interest is calculated and compounded daily on the collected balance
and credited to your account monthly. Minimum collected daily balance
of $100 required to earn interest.
- $3 Monthly Balance Requirement Fee; Balance Requirement Fee can
be avoided by maintaining a $300 minimum daily collected balance.
- Two (2) total withdrawals or debit transactions are allowed per
month, additional debits are $2 each, regardless of balance. (Withdrawal
limits may apply).
- Free Internet Banking
Individual Retirement Account (IRA)
USAmeriBank can help you choose the individual retirement
savings program that works best for you. Traditional IRA’s 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 IRA’s. See the Account Disclosure for more
information. 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. See the Account Disclosure for more information
on early withdrawal penalties. 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®
Enjoy the convenience of our new Certificate of Deposit Account Registry Service®, or CDARS®, which provides all the security of certificates of deposit without a $100,000 limitation. Now you can invest up to $50 million and still be eligible for FDIC insurance on every dollar. Using CDARS, we will place your funds with multiple FDIC-insured institutions. You benefit by having more deposits eligible for FDIC insurance while enjoying the simplicity of working with just one bank, one relationship.
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