Personal Banking 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
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- $100 Minimum Deposit to Open
- No Monthly Maintenance Fee
- Unlimited Check Writing
- Free Internet Banking
- Free Bill Payment
- Free Debit MasterCard®
- Free First Order of Checks
- Personal Checking
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- $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 Internet Banking
- Free Bill Payment
- Free Debit MasterCard®
- Free Personalized Checks in Selected Style
- Free Official Checks
- Interest Checking
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- $2,000 Minimum Deposit to Open
- 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 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)
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- $100 Minimum Deposit to Open
- No Monthly Maintenance Fee
- Unlimited Check Writing
- Free 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
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- $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.
- Six (6) total withdrawals or debit transactions are allowed each month; additional debits, withdrawals, checks, or drafts are $5 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.
- Free First Order of Checks
- Savings Account (must be 18 years old to open)
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- $100 Minimum Deposit to Open
- Interest is calculated and compounded daily on the collected balance and credited to your account monthly. 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.
- 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
- Minor Savings (Maximum age of 17)
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- $25 Minimum Deposit to Open
- Interest is calculated and compounded daily on the collected balance and credited to your account monthly. Minimum daily collected balance of $25 required to earn interest.
- No Monthly Maintenance Fee
- Two (2) total withdrawals or debit transactions allowed per month. Additional debits are $2 each, regardless of balance (withdrawal limits may apply).
- Free Internet Banking
- Individual Retirement Account (IRA)
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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
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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®
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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
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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
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You can access your bank account through the Internet at no charge by clicking here. Check your deposit account balances, loan balances, and transfer funds between accounts. Contact a bank representative for additional information. Tour our internet banking demo.
- Online Bill Pay
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Pay bills and make payments from USAmeriBank accounts using the Internet. Most companies are paid electronically in just 2-4 business days. When an electronic payment is not possible, USAmeriBank sends a paper check via US mail, at no extra cost to you.
- Pay virtually any company, agency, organization or individual within the United States
- Schedule recurring payments for monthly bills
- Set-up e-bills and e-mail reminders for bill payments
- Manage pending payments
- Health Savings Account
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A Health Savings Account (HSA), is a tax-advantaged medical savings account available to people who are enrolled in High Deductible Health Plans (HDHP). The funds contributed to the account may be tax deductible. Unlike a Flexible Savings Account (FSA), funds roll over and accumulate year after year if not spent.
Funds may be used to pay for qualified medical expenses at any time. These include deductibles, co-payments and co-insurance; procedures, testing, dental, vision and chiropractic care; durable medical equipment including eyeglasses and hearing aids; and medical transportation. Prescription and over-the-counter medications are also eligible. More information on eligible expenses may be found on the IRS website.
An HSA at USAmeriBank features:
- Easy, online enrollment
- 24-hour access to account information
- Make payments with a USAmeriBank VISA debit card or online bill pay
- Assistance from a USAmeriBank associate if you need help
- Wire Transfers
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USAmeriBank offers centralized Wire Transfer services for both Domestic and International Wires Incoming and Outgoing wire transfers. Wires are initiated and processed using Fedline. Wires transfers can be initiated in person at any USAmeriBank branch, by facsimile request (with prior agreement) and via cash management Internet banking.
For your convenience we have provided customizable Incoming Wire Instructions. Please click on the attached link to view and complete the Incoming Wire instructions form. For further assistance using the Incoming Wire Instructions form or to initiate Outgoing Wire Transfer requests, contact your local branch office.