We offer three checking solutions customized with your needs in mind.
Account Features | Sterling Privileges | Choice Checking | Health Savings (HSA*) Choice Checking |
|---|---|---|---|
Opening Balance Requirement | $100 | $100 | $100 |
Minimum Balance to Obtain Interest | Interest Tiers
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Maintenance Fee |
| None | None |
Online Banking & Bill Pay | Free | Free | Free |
Debit Cards | Free - Rebate on all foreign ATM fees** | Free | Free |
Checks |
| Cost varies | Cost varies |
Cashier's Check | Free | $5 | $5 |
Safe Deposit Box*** | Free 3x5 or $30 credit | Annual Fee | Annual Fee |
eStatements | Free - 18 months of online history | Free - 18 months of online history | Free - 18 months of online history |
Mailed Statement Fee |
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Overdraft Protection
We offer the convenience of overdraft protection on personal checking accounts. Transfers are made automatically from your line of credit to your checking account if the need arises. Talk to a banker about adding this feature to your account.
Debit Cards
Simplify your everyday banking with an American Community Bank & Trust Debit Card. All debit card holders have access to our free ACBT Card Management tool. Card Management allows you to set real-time purchase alerts, create custom spending limits, or instantly lock cards if they go missing.
*This account is subject to IRS rules and regulations, and complements a High Deductible Health Insurance Plan.
**ATMs not located on our bank premises may assess transaction fees. Please see Terms and Conditions of your account for additional details.
***Safe deposit box contents are not FDIC insured.