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Commercial |
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Watch our Commercial Here!
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Hours
of Operation |
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On-site Banking Hours
Inside
Monday - Thursday: 9AM - 3PM
Friday: 9AM - 6PM
Drive-In
Monday - Friday: 7:30AM - 6PM
Saturday: 9AM - 1PM
24-hour Bank by Phone
903-575-1776 |
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Lost/Stolen
Debit Card |
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1-800-523-4175 |
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Account Details
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En Espaņol |
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 Checking Accounts
American National offers several checking account options:
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 Savings Accounts
American National offers several savings
account options:
Some terms and fees may apply to all accounts.
Please contact New Accounts at (903) 572-1776 for more information.
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Consumer Regular Checking |
| Account
Description |
Simple
checking with unlimited check writing and no regular monthly
service fees |
| Minimum Balance to
Open |
$200, or
$0 with direct deposit |
| Minimum
Balance Requirement |
None |
| Monthly Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
None |
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Student Checking |
| Account
Description |
For
students 18-24 years of age, simple checking with unlimited
check writing and no regular monthly service fees |
| Minimum Balance to
Open |
None |
| Minimum
Balance Requirement |
None |
| Monthly Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
None |
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Additional Information |
- First two boxes of checks free.
- Free cashiers checks and money orders.
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Senior Citizen Checking |
| Account
Description |
Non-interest bearing checking for persons age 60 or older,
with at least one direct deposit and one auto debit each
month. |
| Minimum Balance to
Open |
None |
| Minimum
Balance Requirement |
None |
| Monthly Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
None |
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Additional Information |
- Free checks (restrictions apply)
- Preferred CD terms
- Free 3x5 safety deposit box for first year
- Free cashier checks and money orders
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NOW Accounts |
| Account
Description |
Interest-bearing checking with unlimited check writing and
monthly withdrawals |
| Minimum
Balance to Open |
$1,500 |
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Minimum Balance Requirement |
$1,500 to avoid fee, $1,000 to earn interest |
| Interest
Rate |
Please
call for current interest rates –
(903) 572-1776 |
| Monthly
Service Fee |
$10 if at
any time during the month the account balance falls below
$1,500 |
| Limits to
Check Writing/Withdrawals |
None |
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Money Market Accounts |
| Account
Description |
Interest-bearing checking with limited check writing and
monthly withdrawals, interest rates based on balance tiers |
| Minimum
Balance to Open |
$5,000 |
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Minimum Balance Requirement |
$5,000 to avoid fee, $1,000 to earn interest |
| Interest
Rate |
Please
call for current interest rates – (903) 572-1776 |
| Monthly
Service Fee |
$15 if at
any time during the month the account balance falls below
$5,000 |
| Limits to
Check Writing/Withdrawals |
6 per month |
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Additional Information |
During any statement cycle, no more than six transfers or
withdrawals by check, debit card, preauthorized or automatic
transfer, or similar order payable to third parties are
allowed. An excessive withdrawal fee of $5.00 will be
charged for each withdrawal to a third party in excess of
six during a statement cycle. Unlimited withdrawals may be
made in person at the bank.
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American Eagle Checking
Account |
| Account
Description |
Checking
with accidental death insurance benefits, amounts vary |
| Minimum
Balance to Open |
None |
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Minimum Balance Requirement |
None |
| Monthly
Service Fee |
$7.50 –
Individual
$8.50 – Joint
$9.50 – Family |
| Limits to
Check Writing/Withdrawals |
None |
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Additional Information |
- First two boxes of checks free.
- Free 3x5 safety deposit box rental for first year
- Free cashier checks and money orders
- Accidental Death Insurance Coverage:
- $10,000 – Individual
- $20,000 – Joint
- $30,000 – Family
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Business Checking |
| Account
Description |
Checking
for businesses, non-profit, and civic organizations |
| Minimum
Balance to Open |
$250 |
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Minimum Balance Requirement |
$500 to avoid fee |
| Monthly
Service Fee |
$7.00 if
at any time during the month the account balance falls below
$500 |
| Limits to
Check Writing/Withdrawals |
None |
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Regular Savings |
| Account
Description |
Simple,
interest-bearing savings with no regular service fees |
| Minimum Balance to
Open |
$200, or
$0 with direct deposit |
| Minimum
Balance Requirement |
$25 to earn interest |
| Interest Rate |
Please
call for current interest rates – (903) 572-1776 |
| Monthly Service Fee |
None |
| Limits to
Check Writing/Withdrawals |
6 per
month |
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Additional Information |
- Transfers from a Regular Savings or TUTMA Savings
account to another account or to third parties by
preauthorized, automatic, telephone, or computer
transfer are limited to six per month with no transfers
by check, draft, debit card, or similar order to third
parties.
- An excessive withdrawal fee of $2.00 will be charged
for each withdrawal in excess of three during a quarter.
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TUTMA Savings |
| Account
Description |
For
minors under the age 21, interest-bearing savings with no
regular service fees |
| Minimum Balance to
Open |
None |
| Minimum
Balance Requirement |
$25 to earn interest |
| Interest Rate |
Please
call for current interest rates – (903) 572-1776 |
| Monthly
Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
6 per
month |
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Additional Information |
- Transfers from a Regular Savings or TUTMA Savings
account to another account or to third parties by
preauthorized, automatic, telephone, or computer
transfer are limited to six per month with no transfers
by check, draft, debit card, or similar order to third
parties.
- An excessive withdrawal fee of $2.00 will be charged
for each withdrawal in excess of three during a quarter.
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Christmas Club Savings |
| Account
Description |
Interest-bearing savings with limited withdrawals and no
regular service fees |
| Minimum Balance to
Open |
$200, or
$0 with direct deposit |
| Minimum
Balance Requirement |
$25 to earn interest |
| Interest Rate |
Please
call for current interest rates – (903) 572-1776 |
| Monthly Service Fee |
None |
| Limits to Check
Writing/Withdrawals |
1 per
month |
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Additional Information |
- Transfers from a Christmas Club Savings account to
another account or to third parties by preauthorized,
automatic, telephone, or computer transfer are limited
to one per month with no transfers by check, draft,
debit card, or similar order to third parties.
- An excessive withdrawal fee $2.00 will be charged
for each withdrawal in excess of three during a quarter.
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FDIC Notice |
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American National Bank has chosen not to
participate in the FDIC's Transaction Account Guarantee Program.
Customers of American National Bank with noninterest-bearing
accounts will continue to be insured through December 31, 2013 for
up to $250,000 under the FDIC's general deposit insurance rules.
This means all deposits at American National Bank are insured up to
$250,000, but the amount of deposits in excess of $250,000 are not
insured. |
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