Disclaimer: 1) To receive the $250 Account Opening Bonus: Offer available from March 1 – April 30, 2025, and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. Accounts are subject to approval. 1) Open a new AB&T checking account in-person at an AB&T branch; AND 2) Have your direct deposit made to this account within 90 days of opening. Person to Person payments (such as Zelle®) or external bank to bank transfers using the ACH network are not considered a direct deposit. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Fees may reduce earnings. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. After the qualifications have been met, we’ll deposit the bonus in your new account within 45 days. If the checking account is closed by the customer within 90 days after opening, the account will be subject to a $25 early closure fee. Eligibility may be limited based on account ownership. Offers not available to existing AB&T checking account customers,  those whose accounts have been closed within 6 months or closed with a negative balance within the last 3 years. Limit one new checking account opening related bonus every two years from the last bonus payout date per customer. Limit one bonus per account and per customer. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is not available to non-resident aliens or foreign entities. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Eligible Checking Accounts and Rates – Totally Free Checking; Relationship Checking is a no minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain Annual Percentage Yield. Relationship Checking: Account holders will receive an APY range of 0.05% – 1.00% based on qualifications. See rate sheet for more details.; Relationship+ is a no minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Relationship +: Account holders will receive an APY range of 0.05% – 1.00% based on qualification. See rate sheet for more details.; High Interest Checking is a $1,500.00 minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $1,500.00 will receive an APY of 0.01%. Those with an average account balance of $1,500.01 – $15,000.00 will receive an APY range of 0.01% – 0.03%. Those with an average account balance of $15,000.01 – $50,000.00 will receive an APY range of 0.03%-0.04%. Account holders with an average account balance of $50,000.01-$100,000 will receive an APY range of 0.04%-0.07%. Those with an average account balance of $100,000.01 – $150,000.00 will receive an APY range of 0.07% – 0.10%. Those with an average account balance of $150,000+ will receive APY range of 0.10% – 0.30%. APY’s are accurate as of 12/19/2024. Rates on variable accounts may change after the account is opened.

2) The 4.10% fixed rate Annual Percentage Yield for the 7-month term is accurate as of February 10, 2025. All accounts are subject to applicable terms, fees, and charges. Fees may reduce earnings. A penalty may be charged for early withdrawal. AB&T Checking Account Relationship required. This offer is not available for Public Funds. AB&T reserves the right to end the special rate at any time. Minimum of $5,000 is required to open the CD. For IRA-CD’s consult a financial advisor or tax professional for guidance.

3) The 4.25% fixed rate Annual Percentage Yield for the 12-month term is accurate as of February 10, 2025. All accounts are subject to applicable terms, fees, and charges. Fees may reduce earnings. A penalty may be charged for early withdrawal. AB&T Checking Account Relationship required. This offer is not available for Public Funds. AB&T reserves the right to end the special rate at any time. Minimum of $5,000 is required to open the CD.