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Checking accounts that

Checking accounts designed with you in mind.
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  • Simply Checking
  • Premium+ Checking

Simply Checking

It doesn’t get much simpler than this.

Simply Checking is the perfect account for just about everyone, with low minimum balance requirement, no hidden fees, and simply lets you bank with ease.

Features:

  • $25 minimum opening balance
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking and Mobile Deposit
  • Free eStatements
  • Free financial tools and credit monitoring
  • Free Visa® debit card
  • Free debit card controls
  • Free real-time debit card alerts
  • ATM Fee Refund up to $25 per statement period1
  • Nationwide access surcharge-free MoneyPass® ATM Network

Avoid the $3 monthly maintenance fee by maintaining at least a $300 average collected balance or add a direct deposit. Direct deposit is an electronic deposit of your paycheck, pension, or government benefits from your employer or the government.


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Disclosure:

1If you have met your qualifications for the Statement Period, we will refund you for ATM fees imposed by our institution as well as fees imposed by other U.S. financial institutions during the Statement Period up to a maximum of $25 per Statement Period.

The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the Premium+ Checking account. Interest Rates and Annual Percentage Yields are current as of April 22, 2024. For current rate information, please call (605) 361-1010.

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Premium+ Checking

Make your money work for you.

Let this interest-bearing checking account do the work for you with some added premium benefits including preferred interest rates based on higher account balance to help you reach your financial goals even faster.

Features:

  • $25 minimum opening balance
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking and Mobile Deposit
  • Free eStatements
  • Free online financial tools and credit monitoring
  • Free Visa® debit card
  • Free debit card controls
  • Free real-time debit card alerts
  • ATM Fee Refund up to $25 per statement period1
  • Nationwide access to surcharge-free MoneyPass® ATM Network

Avoid the $5 monthly maintenance fee by maintaining a $10,000 relationship balance or adding a direct deposit of at least $500. Direct deposit is an electronic deposit of your paycheck, pension, or government benefits from your employer or the government.


Get Started Now


Disclosure:

1If you have met your qualifications for the Statement Period, we will refund you for ATM fees imposed by our institution as well as fees imposed by other U.S. financial institutions during the Statement Period up to a maximum of $25 per Statement Period.

The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the Premium+ Checking account. Interest Rates and Annual Percentage Yields are current as of April 22, 2024. For current rate information, please call (605) 361-1010.

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Personal Checking Comparison

Discover the ideal checking account for your financial journey by exploring the unique features of our checking accounts.

simplechecking-logo
premplus-logo
Simply Checking
Checking made simple.
Premium+ Checking
Put your money to work.
Features
Min. Opening Balance
$25
$25
Free Online Banking
Free Bill Pay
Free Mobile Banking & Deposit
Free eStatements
Free online tools and credit monitoring
Free Visa® Debit Card
Free debit card controls
Free real-time debit card alert
ATM Fee Refund up to $25 per statement period1
Nationwide access surcharge-free MoneyPass® ATM Network
Monthly Maintenance Fee
$3 - for balances under $300
$5 - for balances under $10,000
Monthly Maintenance Fee waived by Direct Deposit
Interest-bearing
$0.01 to $2,499.99 - 1.00% APY
$2,500.00 - $9,999.99 - 2.00% APY
$10,000.00+ - 3.75%
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Get Started Now
More Products & Services

Additional Personal Banking Services

ONE AMERICAN BANK offers an array of personal banking products and services. Unlock your financial freedom with our expanded range of personal banking products and services! 

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