Accounts

 

Checking Accounts

* Variable interest rate compounded and paid monthly on daily ledger balance. Rates are determined by the bank and may be adjusted at the bank's discretion.  
**Overdraft Protection Plus service requires an additional AHB Checking, Savings or Money Market account for automatic transfers.
¹Defined as an “interest-bearing transaction account” for FDIC Coverage: All funds are not fully insured by the Federal Deposit Insurance Corporation, but maintain the FDIC’s coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

 

Additional Account Features:

  • Monthly Base Fee in Service Charge $4.00
  • eStatements included.  Paper statements optional - $2.00 per month
  • Optional Advantage Benefits can be added for $4.95 per month
  • Bill Pay - $3.00 per month for the first 10 transactions; $.40 for each transaction thereafter
  • Monthly Base Fee in Service Charge - $7.00
  • Monthly Base Fee in Service Charge waived with any two options:
    • $1,500.00 minimum daily ledger balance, or
    • Sign up for eStatements, or
    • Recurring ACH Payroll/Benefit Deposit
  • Optional Advantage Benefits can be added for $4.95 per month
  • Bill Pay - $3.00 per month for the first 10 transactions; $.40 for each transaction thereafter
  • Monthly Base Fee in Service Charge - $10.00
  • Monthly Base Fee in Service Charge waived with:
    • $10,000.00 minimum daily ledger balance in Checking/Savings combined
  • Advantage Benefits included
  • Free Bill Pay Included
  • Tiered rates* to maximize interest earnings:
    • $0 - $9,999.99
    • $10,000.00 - $49,999.99
    • $50,000.00 or more
  • Monthly Balance Fee in Service Charge $7.00
  • Monthly Balance Fee in Service Charge waived with:
    • $2,500.00 minimum daily ledger balance
  • Optional Advantage Benefits can be added for $4.95 per month
  • Bill Pay - $3.00 per month for the first 10 transactions; $.40 for each transaction thereafter
 

Savings/Money Market Accounts

Account Details Opening Deposit Interest Bearing Service Charges Account Features
$100.00 Yes*1 $3.00
$100.00 Yes*1
$3.00
MINOR SAVINGS $25.00 Yes*1
N/A
HEALTH SAVINGS $100.00 Yes* N/A
AMERICAN GOLD MONEY MARKET $5,000.00 Yes* $6.00
*Rates are determined by the bank and may be adjusted at the bank's discretion.
**Overdraft Protection Plus service allows for AHB Savings, Money Market or Checking account to cover overdrafts on a designated AHB Checking account via an automatic transfer. 
1Variable interest rate compounded daily and paid quarterly on daily ledger balance.
 
 

Additional Account Features:

  • Tiered rates to maximize interest earnings:
    • $0 - $9,999.99
    • $10,000.00 or more
  • Activity fees charged quarterly:
    • First six (6) withdrawals per quarter free
    • Withdrawals in excess of six (6) per quarter $1.00 each***
    • Balance Fee in Service Charge - $3.00
      (if average daily ledger balance over the quarter is less than $100.00)
    • Activity fees will be waived with average daily ledger balance over the quarter of $1,500.00
  • Tiered rates to maximize interest earnings:
    • $0 - $74,999.99
    • $75,000.00 or more
  • Requires minimum $25.00 monthly automatic transfer from an AHB checking to this savings^
  • Activity fees charged quarterly:
    • First six (6) withdrawals per quarter free
    • Withdrawals in excess of six (6) per quarter $1.00 each***
    • Balance Fee in Service Charge - $3.00
      (if average daily ledger balance over the quarter is less than $100.00)
    • Activity fees will be waived with average daily ledger balance over the quarter of $1,500.00
  • Tiered rates to maximize interest earnings:
    • $0 - $9,999.99
    • $10,000.00 or more
  • Activity fees charged quarterly:
    • First six (6) withdrawals per quarter free
    • Withdrawals in excess of six (6) per quarter $1.00 each***
    • Activity fees will be waived with average daily ledger balance over the quarter of $1,500.00
  • One time set up fee of $25.00
  • Must be covered under a high deductible health plan (HDHP) of your choice
  • The HDHP must be eligible for a Health Savings account
  • Cannot be enrolled in Medicare or be claimed as a dependent on another person’s tax return
  • Must provide proof of coverage with a copy of your insurance certificate or insurance card stating you qualify to have a Health Savings account
  • Variable interest rate compounded and credited monthly to your account
  • Withdrawals by check card only
  • No checks will be issued for this account
  • Tiered rates to maximize interest earnings:
    • $0 - $99,999.99
    • $100,000.00 - $249,999.99
    • $250,000.00 or more
    • Variable interest rates compounded monthly and paid monthly on daily ledger balances
  • Monthly Balance Fee in Service Charge - $6.00
    • Balance Fee in Service Charge waived with:
      • $5,000.00 minimum daily ledger balance and
      • $5,000.00 average monthly ledger balance
  • Activity Fees:
    • Teller-assisted transactions are unlimited***
  • Required to purchase Money Market checks (Fees may vary by check printing company)
***Transaction Limitations for Savings & Money Market Accounts: Transfers, cash withdrawals or a combination thereof from these accounts to another account of the depositor at the same institution are unlimited as long as the transactions are made in person, by mail, messenger, or automated teller machine.
Federal regulations, however, limit the number of transfers, withdrawals or combinations thereof from these accounts to another of the depositor at the same institution or to a third party by means of a pre-authorized, automatic or telephone agreement, order or instruction, or by check, draft, debit card or similar order. Such transactions are limited to six (6) per calendar month or similar period of at least four weeks. Exceeding these limits may result in the loss of transfer capabilities or the need to open a different type of account. A fee of $5.00 may apply for each such withdrawal over the Federally regulated limit of six (6) in any calendar month or similar period of at least four weeks and may be charged quarterly.