Simple Banking for Everyday Life

Banking That Works for You

Managing your finances should feel simple, not complicated. At American Interstate Bank, we offer personal banking solutions designed around your everyday needs — from checking and savings accounts to digital tools that keep you connected.

With a focus on personal service and local support, we take the time to understand your goals and provide solutions that fit your lifestyle. Whether you’re handling daily expenses or planning for the future, we’re here to help every step of the way.

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Personal Online Banking

Welcome to American Interstate Bank’s Online Banking, where you can do your banking right from your computer, 24 hours a day.

The following services are examples of some of the convenient features offered by our web site:

• Check your account balances
• Transfer funds between accounts
• Bill Pay — Pay your personal bills online
• Use interactive financial calculators
• Download information to most versions of accounting software, such as Quicken, Microsoft Money, Quickbooks or Excel

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AIB Mobile Banking

Key Features:

• Touch ID or PIN authentication– Easily and securely log in using fingerprint or a personal identification number.
• View balances and account activity– Search for transactions, add a note or an image, and filter by tags. Understand your activity and find what you’re looking for—fast.
• Make mobile deposits using your camera– Deposit checks into qualified accounts using the mobile remote deposit feature.
• Mobile bill pay and person-to-person payments– Pay bills or send money to friends and family quickly and securely.
• Transfer funds– Effortlessly initiate one-time, future date or repeating transfers.
• Personalize your app– Arrange the app’s features in a way that makes the most sense to you—customize the app on a per-device basis and move things around however you like.
• Branch and ATM locations– Find the nearest ATM or locate a branch using your current location.

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Personal / Individual Checking Accounts

As a benefit to our checking account customers, the following features are provided at no extra charge:

• Direct Deposit
• Automatic Payment Deductions
• Bank by Mail
• Notary Public Services

American Interstate Bank offers four types of personal checking accounts from which to choose:

Advantage Checking Account

• Minimum balance to open account is $25
• No monthly service fees
• Item images will not be returned with statement
• Unlimited check writing

Regular Checking Account

• Minimum balance to open account is $100
• Minimum balance to waive service charges is $300
• If the balance falls below the minimum during any day of the monthly cycle, a service charge of $4 will apply, along with a per debit fee of $ .15 for each debit transaction
• The minimum balance, and subsequent service charges, do not apply to senior citizens (age 55 and above) and customers with direct deposits
• Non-interest bearing account

Now Checking Account*

• Minimum balance to open account is $500
• Minimum balance to waive service charges is $500
• If the balance falls below the minimum during any day of the monthly cycle, a service charge of $7 will apply, along with a per debit fee of $ .15 for each debit transaction
• Interest bearing account

Checking Plus

• Checking Plus is a product offered to checking account customers** whereby a set line of credit is combined with the customer’s account. Checks drawn on insufficient funds are paid from this set line of credit rather than being returned to the presenter.

* Interest is computed based on the average daily balance method.
**Subject to Credit Approval.

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Savings Accounts/Certificate of Deposits

We offer the following savings account options to help you maximize your financial savings goals:

Regular Savings Account*

• Minimum balance to open account is $200
• Minimum balance to avoid service charges is $200
• If balance falls below the minimum during any day of the monthly cycle, a service charge of $3 will apply
• Transfers from a savings account to another account or to third parties, by preauthorized or automatic transfer or telephone order or instruction, or by check, draft or debit card are limited to six per month

Savings 101*

This Savings Account is designed for individuals ages 18 and younger

• Minimum balance to open account is $10
• No monthly service charges
• At age 19, the account will be converted to a regular savings account
• Transfers from a savings account to another account or to third parties, by preauthorized or automatic transfer or telephone order or instruction, or by check, draft or debit card are limited to six per month

Certificates of Deposit**

Designed to fit your specific needs. A wide variety of maturity terms are offered ranging from 3 months to 36 months.

* Savings investments compute interest based on the average daily balance method.
**Federal regulations require a penalty for early withdrawal.

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Money Market Accounts*

Earn more on your balance while maintaining easy access to your funds, with a flexible account designed to support both saving and spending.

• Minimum to open account is $1,000
• Minimum to open account is $1,000
• If the balance falls below the minimum any day of the monthly cycle, a service charge of $7 will apply
• Transfers from a money market account to another account, or to third parties, by preauthorized or automatic transfer or telephone order or instruction, or by check, draft, or debit card are limited to six per month
• A per debit fee of $5 will apply for every debit transaction in excess of six during a monthly cycle

*Savings investments compute interest based on the average daily balance method.

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Individual Retirement Accounts (IRAs)*

Designed to provide for your retirement. Traditional, Educational and Roth IRAs are also available. Maturities range from 6 to 36 months for fixed rates. Consult your tax advisor to determine which option is best for you.

*Federal regulations require a penalty for early withdrawal.

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Personal Loans

We offer a wide variety of loans to meet all your personal and family needs.

Mortgage Loans

American Interstate Bank offers a wide variety of home loans. Whether refinancing, buying or building, our experienced loan officers will find the right program to serve your needs and give you dedicated service.

Home Construction

Whether building your first home, or your dream home, finding the right construction loan is key. With competitive rates and terms, American Interstate Bank offers local loan decisions and can meet your needs from land acquisition to permanent financing. Our loan officers will work directly with you, and your locally established builder, to see your dream become a reality.

Home Equity Loans & Lines

Allow us to answer a few frequently posed questions:

Any of the American Interstate Bank Loan Officers would be happy to discuss your particular situation.
*Consult your tax advisor.