Earn $250

Earn $250 when you open a new checking account with a direct deposit. Click ‘Learn More’ below to see more details and eligibility requirements.

4.15% APY CD for 12 Months

Unlock the opportunity to pay yourself first with our new CD that pays your accrued interest into your AB&T checking account, giving you immediate access to your gains.

4.40% APY CD or IRA-CD for 7 Months

Earn 4.40% APY for 7 Months with our Classic CD or IRA-CD

Tap & Win $500

American Bank & Trust is giving you the chance to win $500 every month just by using your AB&T Debit Card! Every time you make a purchase with your AB&T Debit Card, you’re automatically entered into the monthly drawing.

Special Promotions

View all our on-going promotions at AB&T. From new checking account openings, business accounts, and a special mortgage promotion, you’ll find something no matter your needs.




Business Checking

Find the account that fits your business’s needs.  Wide range of features and benefits!

Open an Account

Getting a checking or savings account is only a click away.  Provide a few details and we’ll get your account started.

Apply for a Mortgage

Let our local lending experts find the best loan option for your needs and budget.

Latest News

Betting on Watertown

Betting on Watertown

This past year South Dakota has been resilient and strong in the face of adversity. We’ve weathered multiple storms and continue to become stronger because of it. Watertown is no exception. It has represented the state well and continues to stay economically strong...

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New Watertown Bank Offers Hometown Feeling

New Watertown Bank Offers Hometown Feeling

Although American Bank & Trust is new to Watertown, the people inside promise to help customers feel right at home. Located at 1600 Fourth St. N.E. in what was once an Aflac insurance office along U.S. Highway 81, the bank, which opened Jan. 11, features familiar...

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