Checking Accounts

Business & Personal Checking Accounts from
American National Bank

Business Checking

American National Bank Fox Cities offers a selection of business checking accounts with different features to better serve your individual banking needs. With all of our checking accounts you may request free online banking, eStatements, and Bill Pay*.

* Bill Pay is free unless you do not use the service for three (3) consecutive months. After three consecutive months of non-use, a subscriber fee of $7 per month will be automatically deducted from your account.

American 100
balance requirement $1,000 minimum daily balance
service fee  $10.00 if below the minimum balance requirement
item fees 100 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter
interest no
statement monthly; Free e-statements; Paper statements available upon request
images free with e-statements upon request; available upon request with paper statements
stop payment $25.00 per item
NSF deposit item $7.50 per item
wire transfer fees $20.00-domestic wire out, $40.00 + costs-internat’l wire out, $15.00- incoming 
online banking/bill pay fees Online Banking, Free.                                                            
Billpay free unless not used for 3 consecutive months then $7 per month
overdraft $30.00 per item, $5.00 continuous overdraft every 5 days
American 250
balance requirement $2,500 minimum daily balance 
service fee  $15.00 if below the minimum balance requirement
item fees 250 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter
interest no
statement monthly; Free e-statements; Paper statements available upon request
images free with e-statements; available upon request with paper statements
stop payment $25.00 per item
NSF deposit item $7.50 per item
wire transfer fees $20.00-domestic wire out, $40.00 + costs-internat’l wire out, $15.00- incoming 
online banking/bill pay fees Online Banking, Free.                                                            
Billpay free unless not used for 3 consecutive months then $7 per month
overdraft $30.00 per item, $5.00 continuous overdraft every 5 days
American Business
balance requirement none
service fee $15.00 per month
item fees $.20 per paper debit                                                                             
$.15 per ACH debit                                                            
$.30 per paper credit                                                                       
$.25 per ACH credit                            
$.10 per deposit item                         
$.05 per deposit item w/ remote deposit)                                                         
No charge per on-us deposit item                             
interest earnings credit to offset service fee
statement monthly; Free e-statements; Paper statements available upon request
images free with e-statements; available upon request with paper statements
stop payment $25.00 per item
NSF deposit item $7.50 per item
wire transfer fees $20.00-domestic wire out, $40.00 + costs-internat’l wire out, $15.00- incoming 
online banking/bill pay fees Online Banking, Free.                                                            
Billpay free unless not used for 3 consecutive months then $7 per month
overdraft $30.00 per item, $5.00 continuous overdraft every 5 days
Community 100
balance requirement $250 minimum daily balance
service fee $5 if below $250 minimum balance requirement
Account available to sole proprietors, Iolta, Ibreta, non-profit organizations, domestic government units, fiduciaries, and agency agreements
item fees 100 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter
interest yes
statement monthly; Free e-statements; Paper statements available upon request
images free with e-statements upon request; available upon request with paper statements
stop payment $25.00 per item
NSF deposit item $7.50 per item
wire transfer fees $20.00-domestic wire out, $40.00 + costs-internat’l wire out, $15.00- incoming 
online banking/bill pay fees Online Banking, Free.                                                            
Billpay free unless not used for 3 consecutive months then $7 per month
overdraft $30.00 per item, $5.00 continuous overdraft every 5 days
Community 250
balance requirement $1,000 minimum daily balance 
service fee  $15.00 if below the minimum balance requirement
item fees 250 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter
interest yes
statement monthly; Free e-statements; Paper statements available upon request
images free with e-statements; available upon request with paper statements
stop payment $25.00 per item
NSF deposit item $7.50 per item
wire transfer fees $20.00-domestic wire out, $40.00 + costs-internat’l wire out, $15.00- incoming 
online banking/bill pay fees Online Banking, Free.                                                            
Billpay free unless not used for 3 consecutive months then $7 per month
overdraft $30.00 per item, $5.00 continuous overdraft every 5 days
Comparison
  American 100 American 250 American Business Community 100 Community 250
Balance Requirement $1,000 minimum daily balance $2,500 minimum daily balance none $250 minimum daily balance $1,000 minimum daily balance
Service Fee $10 if below the minimum balance requirement $15 if below the minimum balance requirement $15 per month $5 if below $250 minimum balance requirement, Account available to sole proprietors, Iolta, Ibreta, non-profit organizations, domestic government units, fiduciaries, and agency agreements $15 if below the minimum balance requirement
Item Fees 100 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter 250 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter $.20 per paper
$.15 per ACH debit
$.30 per paper credit
$.25 per ACH credit
$.10 per deposit item
$.05 per deposit item w/ remote deposit
No charge per on-us deposit item
100 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter 250 free: Debits, Checks, Deposits, Deposit Items; $.25 per item thereafter
Interest no no earnings credit to offset service fee yes yes
Statement Monthly; Free e-statements; Paper statements available upon request
Images Free with e-statements upon request; available upon request with paper statements
Stop Payment $25 per item
NSF Deposit Item $7.50 per item
Wire Transfer Fees $20 – domestic wire out, $40 + costs – international wire out, $15 – incoming
Online Banking / Bill Pay Fees Online Banking, Free.
Billpay free unless not used for 3 consecutive months then $7 per month
Overdraft $30 per item
$5 continuous overdraft every 5 days

Personal Checking

American National Bank Fox Cities’ personal checking accounts feature different options to serve you better, including free online banking, eStatements, Bill Pay*, and free ATM/Debit cards**. 

* Bill Pay is free unless you do not use the service for three consecutive months. After three consecutive months of non-use, a subscriber fee of $7 per month will be automatically deducted from your account.
**ATM/debit card available to qualified customers. ATM fees may apply.
***Annual Percentage Yield

Official Timber Rattlers Checking

American National Bank Fox Cities proudly supports the Wisconsin Timber Rattlers, and have teamed up to offer an exclusive personal checking account with features to better serve your individual banking needs. You may earn interest with a tiered interest rate structure any time your balance exceeds $1,000.

 

Minimum daily balance to obtain APY*** $1,000
Service fees None
1 box of custom T-Rats checks per year No charge
Annual safe deposit box rental $5 discount
Bill Pay* No charge
ATM/debit card** No charge
Online banking No charge
American Checking

American Checking is designed to be a basic account—popular with our first-time customers. You can avoid a monthly service fee if you have a combined relationship in money market, savings, CDs exceeding $1,000, or if you have direct deposit. Full-time students under age 25 have no monthly service fees or transaction fees.

 

Service fee if daily balance falls below $250 $4/monthly
Per debit transactions in excess of 20 per month on accounts with daily balance falling below $250 $0.25/each
Bill Pay* No charge
ATM/debit card** No charge
Online banking No charge
Partner Checking
Partner Checking is designed for customers who already have a relationship with American National Bank Fox Cities. You may earn more interest with a tiered interest rate structure any time your balance exceeds $1,000. You can avoid a monthly service fee if you have a combined relationship in money market, savings, or CDs exceeding $1,000, or if you have direct deposit.
 

Service fee if daily balance falls below $250 $4/monthly
Per debit transactions in excess of 20 per month on accounts with daily balance falling below $250 $0.25/each
Bill Pay* No charge
ATM/debit card** No charge
Online banking No charge
VIP Checking
VIP Checking is designed for customers who are age 55 or better, or customers with over $25,000 in personal accounts. You may earn more interest with a tiered interest rate structure any time your balance exceeds $1,000.

Minimum balance to obtain APY*** $1,000
Service fees None
First order of custom bank checks No charge
First 3 telephone transfers per month No charge
Annual safe deposit box rental $5 discount
Official bank checks No charge
Bill Pay* No charge
ATM/debit card** No charge
Online banking No charge
Star Checking
Star Checking is designed with added benefits for our stockholders or customers with personal accounts of $100,000 or more. You may earn more interest with a tiered interest rate structure any time your balance exceeds $1,000.

Minimum daily balance to obtain APY*** $1,000
Service fees None
Custom bank checks No charge
Annual safe deposit box rental $5 discount
Official bank checks No charge
Telephone transfers No charge
Consumer loans (excluding commercial loans and first mortgage loans) .25% off
CDs (excluding specials) .25 basis points
Bill Pay* No charge
ATM/debit card** No charge
Online banking No charge
Liberty Checking

Liberty Checking provides money market rates plus added benefits. It’s designed for military service members on active duty, Reserves, National Guard, or Veteran status. You may earn more interest with a tiered interest rate structure any time your balance exceeds $1,000. You may request free online banking, eStatements, Bill Pay*, and free ATM/debit cards**.

Minimum daily balance to obtain APY*** $1,000
Service fees None
1 box of custom bank checks per year No charge
Telephone transfers No charge
Annual safe deposit box rental $5 discount
Official bank checks No charge
Consumer loans (excluding commercial loans and first mortgage loans) .25% off
CDs (excluding specials) .25 basis points
Bill Pay* No charge
ATM/debit card** No charge
Online banking No charge
Comparison
Features American Checking Partner Checking VIP Checking
For customers age 55 or better or customers with over $25,000 in personal accounts.
Star Checking
For stockholders or customers with $100,000 in personal accounts.
Liberty Checking
For military service members on active duty, reserves, national guard or veteran status.
Timber Rattlers Checking
Minimum daily balance $250 $250 None None None None
Monthly service and Transaction fees $4 plus $.25 transaction fee per debit in excess of 20 *Waived with direct deposit, combined deposit balance exceeding $1,000 or full time student under age 25 $4 *Waived with direct deposit or combined deposit balance exceeding $1,000 None None None None
Custom Bank Checks None Free first initial order of custom bank checks Free first initial order of custom bank checks Free custom bank checks 1 box of custom bank checks per year 1 box of custom T-Rats checks per year
Additional services Free
– Online banking
– eStatements
– No annual fee credit card (to qualified customers)
Free
– Online banking
– eStatements
– No annual fee credit card (to qualified customers)
– Overdraft line of credit
Free
– Online banking
– eStatements
– No annual fee credit card (to qualified customers)
– Overdraft line of credit

Discounted services
– 3 free Telephone transfers per month
– $5 off annual safe deposit box rental

Free
– Online banking
– eStatements
– No annual fee credit card (to qualified customers)
– Overdraft line of credit

Discounted services
– $5 off annual safe deposit box rental
– .25 off consumer loans (excludes commercial and first mortgage loans)
– additional .25 basis points on CDs (excludes specials)

Free
– Online banking
– eStatements
– No annual fee credit card (to qualified customers)
– Overdraft line of credit

Discounted services
– $5 off annual safe deposit box rental
– .25 off consumer loans (excludes commercial and first mortgage loans)
– additional .25 basis points on CDs (excludes specials)

Free
– Online banking
– eStatements
– No annual fee credit card (to qualified customers)

Discounted services
– $5 off annual safe deposit box rental

Interest earning None When daily balance exceeds $1,000. When daily balance exceeds $1,000. When daily balance exceeds $1,000. When daily balance exceeds $1,000. When daily balance exceeds $1,000.
ATM/Debit card Available to qualified customers.
ATM fees may apply. *Free ATM usage at any ATM displaying the ATM Access logo.
Bill Pay $7 per month if not used at least once in 3 consecutive months.

Community Driven

We know that the heart and soul of a small business is the people who work there. At American National Bank Fox Cities, we do all of our business this way. We believe in building the Fox Cities community, because it’s where we live and work. We’re your neighbors, and your local business bank.

Knowledgeable

Your business isn’t just your livelihood, it’s your life. Our team of business bankers has the knowledge and experience to make even the most ambitious goals possible for your business. Our skills help businesses reach these goals every day.

SIMPLE PROCESS

As an owner or stakeholder in a small business, you wear a lot of hats. We know that your time is valuable so we offer a simple process for getting the financing your small business needs to achieve big goals.