Personal Checking

At AB&T we realize checking accounts are often the foundation of any banking relationship.That is why we've designed a suite of checking products that can be tailored to meet your individual needs. At AB&T, you not only get great accounts and services created with you in mind, you find yourself in a banking relationship that's refreshingly personal. We invite you to explore some of our customized checking solutions.

Gold Choice Checking

More than just a checking account...

  • Gold Standard Relationship Banking
  • Complimentary chip-enabled Visa® Debit Card
  • Online Banking
  • Online Bill Pay
  • Up to two surcharge free non-AB&T ATM withdrawals per month
  • ABT-Go Mobile Banking1
  • Text Message Banking1
  • IDProtect® - Identity Theft Protection Service
    • Protect yourself2 with our comprehensive identity theft protection service2 that includes credit file monitoring, 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft reimbursement3, fully managed resolution services and more.
  • Cellular Telephone Protection
    • Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad3. Cellular telephone bill must be paid through this account.
  • Debit AdvantageTM - Buyer's Protection and Extended Warranty
    • Buyer's Protection covers items for ninety days from the date of purchase against accidental breakage, fire, loss, or theft3. Extended Warranty extends the U.S. manufacturer's original written warranty up to one full year on most new retail purchases if the warranty is less than five years3. Item(s) must be purchased entirely with eligible account.
  • Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance3. (Benefit reduces 50% at age 70)
  • Travel & Leisure Discounts*
  • Health Savings Discounts* This is not insurance.
  • $hopping RewardsTM*
  • $100 minimum to open with no minimum balance required after opening
  • $5.95 monthly fee

*Registration required

1 AB&T offers this service free of charge, however you should check with your mobile service provider for data usage rates.

2 IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

3 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at account opening.

Simple Checking

If you're looking for simple and straightforward, look no further...

  • Gold Standard Relationship Banking
  • Complimentary chip-enabled Visa® Debit Card
  • Online Banking
  • Online Bill Pay
  • ABT-Go Mobile Banking1
  • $100.00 minimum to open with no minimum balance required after opening
  • $3.00 monthly service charge (waived by choosing e-statements)

1 AB&T offers this service free of charge, however you should check with your mobile service provider for data usage rates.

Senior Checking

Our Senior Checking account gives our most experienced banking clients access to valuable checking features and discounts...

  • Gold Standard Relationship Banking
  • Complimentary chip-enabled Visa® debit card
  • Online Banking
  • Online Bill Pay
  • Complimentary basic checks for life
  • Interest earnings
  • Up to 2 surcharge free non-AB&T ATM withdrawals per month
  • ABT-Go Mobile Banking1
  • Complimentary paper or electronic statements with images
  • Discount on a 3X5 safe deposit box
  • Identity Theft Expense Reimbursement Coverage2 - You will receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity theft.
  • Comprehensive Identity Theft Resolution Services2 - Should you suffer from identity theft, you will have access to your very own fraud resolution specialist who will help you every step of the way until your credit and identity are completely restored.
  • Must be at least 62 years of age to qualify
  • $100.00 minimum to open
  • $10.00 monthly service charge (waived with a $3,000 average daily balance)

1 AB&T offers this service free of charge, however you should check with your mobile service provider for data usage rates.

2 Identity protection services are available to account owner(s) and their joint account holders. The services are available to non-publicly traded businesses and their business owner(s) listed on the account (services not available to employees or authorized signers who are not owners). For revocable grantor trusts, the services are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the services cover the beneficiary, who must be the primary member (Fiduciary is not covered). Services are not available to a “signer” on the account who is not an account owner. Services are not available to clubs, organizations and/or churches and their members, schools and their employees/students.

3 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at account opening.

Insurance products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any credit affiliate.

Private Checking

Our Private Checking account is designed for larger balances and offers benefits with value beyond checking...

  • Gold Standard Relationship Banking.
  • Complimentary chip-enabled Visa® debit card
  • Online Banking
  • Online Bill Pay
  • Complimentary basic checks for life
  • Interest Earnings
  • Surcharge free ATM withdrawals at any ATM, including those not owned by AB&T
  • Discount on a 3X5 safe deposit box
  • 25 basis point discount on consumer loans
  • ABT-Go Mobile Banking1
  • Complimentary paper or electronic statements with images
  • Identity Theft Expense Reimbursement Coverage2 - You will receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity theft.
  • Comprehensive Identity Theft Resolution Services2 - Should you suffer from identity theft, you will have access to your very own fraud resolution specialist who will help you every step of the way until your credit and identity are completely restored.
  • No minimum to open
  • $25.00 monthly service charge (Service charged waived with a $10,000 average daily balance or $15,000 combined balances on loans and deposits)
  • Monthly service charge is waived for the first two months

1 AB&T offers this service free of charge, however you should check with your mobile service provider for data usage rates.

2 Identity protection services are available to account owner(s) and their joint account holders. The services are available to non-publicly traded businesses and their business owner(s) listed on the account (services not available to employees or authorized signers who are not owners). For revocable grantor trusts, the services are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the services cover the beneficiary, who must be the primary member (Fiduciary is not covered). Services are not available to a “signer” on the account who is not an account owner. Services are not available to clubs, organizations and/or churches and their members, schools and their employees/students.

3 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at account opening.

Insurance Products are not insured by FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate