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.

Savings Account

Interest bearing account
$100.00 minimum to open
No monthly service fee if balance remains above $100
$2.00 monthly service fee if balance falls below $100
No minimum balance requirements or service fees for minors
Interest compounded and credited quarterly
$1.00 fee for each debit transaction in excess of 3 per month

Christmas Club Account

Interest bearing savings account
$10.00 minimum to open
$5,000.00 maximum balance
Interest compounded and credited annually
$5.00 fee each for early withdrawals

Penny Pinchers Account (Age 13 & Under)

Interest bearing savings account
Special incentives for super savers
$10.00 minimum to open
Interest paid on all balances
Interest compounded and credited quarterly
Prizes awarded for each deposit made

Certificates of Deposit

Interest bearing investment/savings account
Choice of term, compounding and crediting
Please call (931) 823-bank for current rates and term

Individual Retirement Account

Interest bearing savings/retirement account
No minimum deposit to open
Unlimited maximum balance
May deposit up to $4,000.00 per year
Maturities from 6 months to 5 years
Deposits may be made at any time
Withdrawals may begin at age 59.5