Personal Savings

At AB&T, we truly care about your goals and will do whatever we can to help you prepare for them with a great savings plan. Take a look at some of our customized savings solutions.

Personal Savings

Our Personal Savings account offers a safe, convenient place to tuck away some cash - whether you're saving for a specific purpose or simply an emergency fund.

  • Interest Earnings
  • Online Banking
  • Mobile Banking1
  • Free electronic or paper statements
  • Can be used as overdraft protection2
  • Limited to six withdrawals per quarter3
  • $100.00 minimum to open
  • $4.00 quarterly service fee (waived with a $100 average daily balance)

Savings Calculator

1 AB&T offers this service free of charge, however you should check with your mobile service provider for data usage rates.
2 $5.00 service charge per overdraft protection transfer
3 $2.00 fee for each additional withdrawal

Money Market Account

Our Money Market Account gives you the ability to earn interest on your savings, while also offering the flexibility to write checks and use a debit card too.

  • Interest earnings
  • Unlimited in-person withdrawals1
  • Complimentary AB&T Visa® debit card1
  • Online Banking1
  • Mobile Banking1,2
  • Online Bill Pay1
  • Free electronic or paper statement
  • Can be used as overdraft protection3
  • $1,000 minimum to open
  • $15.00 monthly service fee (waived with a $1,000 average daily balance)

Savings Calculator

1 All transactions not performed at an ATM or in person are subject to the withdrawal limit of six per month. Online transfers are included in these limitations. An $8.00 fee applies for each additional withdrawal. Excessive withdrawals may result in the account being converted to a NOW account.
2 AB&T offers this service free of charge, however you should check with your mobile service provider for data usage rates.
3 $5.00 service charge per overdraft protection transfer

Certificate of Deposit (CD)

Our CD can maximize your savings by locking in your balance with a specific interest rate for safe, steady growth until maturity. The length of term is up to you.

What's Included: Maturity terms from 90 days to 60 months ♦ Fixed interest rate for the term of the CD ♦ Automatic renewal ♦ Convenient electronic services

What you should know: $500 minimum to open ♦ Interest for maturties of one year or more is compounded daily ♦ Maturities of less than one year earn simple interest ♦ Penalty for early withdrawal

AB&T CDs are FDIC insurable; please refer to the FDIC Web site at http://www.fdic.gov for additional information and insurance limits. Call or visit an AB&T branch to discover the CD term that best fits your needs.

Individual Retirement Account (IRA)

Plan for your retirment with an IRA at AB&T where you can invest money as you earn it, and withdraw it as needed once you've retired. Contact you tax advisor to discover the tax advantages of an IRA.

What's Included: Traditional, Roth and Education IRA options ♦ 401(k) Rollovers available ♦ Convenient electronic services

What you should know: $500 minimum to open ♦ Interest for maturities of one year or more is compounded daily ♦ Maturities of less than one year earn simple interest ♦ Penalty for early withdrawal

Retirement Calculator

Kids Savings

With our Kids Savings account, you can help your children or grandchildren starting saving for their future today.

  • Available to minors under the age of 18
  • Interest earnings
  • Online Banking
  • Mobile Banking1
  • Free electronic or paper statement
  • $25.00 minimum to open
  • No service charge until age 18, after which a $4.00 quarterly service charge will apply (waived if converted to another account and quarterly charge can be waived when a minimum balance is maintained)

Savings Calculator

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