American Bank & Trust of the Cumberlands

We are a locally owned and operated financial institution that offers a wide variety of products and services to our customers. We hope you will find our latest products, Internet Banking and Bill Paying services ways to make your life a little easier when it comes to banking.

Regular Checking Account

$100.00 minimum to open
No monthly service fee if balance remains above $400.00
$5.00 monthly service fee if balance falls below $400.00
Free unlimited check writing authorization
No fees for students, seniors(55 or older), churches, schools or civic groups
Free debit card, internet banking, bill pay and statement imaging
Monthly account statement with imaged documents

All American Club Account

$100.00 minimum to open
Unlimited free checks (graystone shadow style)
Free unlimited check writing authorization
Free $20,000.00 accidental death insurance
Free $25,000.00 scheduled airline accidental death insurance
No fee for cashiers checks (limit 3 per month)
Travelers checks without issue fee
No fee for stop payments
$5.00 discount on safe deposit box rental
Free photocopies (limit 10 per month)
Free notary service
Membership costs as low as $5.00 per month
Free debit card, internet banking, bill pay and statement imaging
Monthly account statement with imaged documents

Prestige Account (Age 50 & Over)

Interest bearing checking account
No minimum balance requirements
No monthly maintenance fees
Free personalized checks
Unlimited check writing
50% discount on safe deposit rental
No fee for travelers checks
No fee for cashiers checks
No fee for stop payments
Free photocopies
Free notary service
Free debit card, internet banking, bill pay and statement imaging
Monthly statement with imaged checks
No monthly maintenance fees

Now Checking Account

Interest bearing account
$100.00 minimum to open
No monthly service fee if balance remains above $750.00
$8.00 monthly service fee if balance falls below $750.00
Interest compounded and credited monthly
No interest credited if balance falls below $750.00
Free unlimited check writing authorization
Free debit card, internet banking, bill pay and statement imaging
Monthly account statement with imaged documents

Money Market Deposit Checking Account

Interest bearing account
$100.00 minimum to open
No monthly service fee if balance remains above $2,500.00
$10.00 monthly service fee if balance falls below $2,500.00
Interest compounded and credited monthly
No interest credited if balance falls below $2,500.00
Free debit card, internet banking, bill pay and statement imaging
$15.00 fee for each debit transaction in excess of 6 per month- (of which three can involve 3rd party.)
Unlimited transfers and withdrawals in person
Monthly account statement with imaged documents

Free Checking

$100.00 minimum to open
No monthly service charge
Unlimited check writing
Monthly account statement without imaged documents
Free debit card, internet banking, bill pay and statement imaging