Accounts


Checking Accounts

Account Details Opening Deposit Interest Bearing Service Charges Account Features
$100.00 No $4.00
$100.00 No $7.00
$25.00 No
$0.00
(fees may apply after reaching age 25)
$100.00 Yes $7.00
* Variable interest rate compounded and paid monthly on daily ledger balance. Rates are determined by the bank and may be adjusted at the bank's discretion.  
**Overdraft Protection Plus service requires an additional AHB Checking, Savings or Money Market account for automatic transfers.
¹Defined as an “interest-bearing transaction account” for FDIC Coverage: All funds are not fully insured by the Federal Deposit Insurance Corporation, but maintain the FDIC’s coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.


Additional Account Features:

  • Monthly Base Fee in Service Charge $4.00
  • eStatements included.  Paper statements optional - $2.00 per month
  • Bill Pay - $3.00 per month for the first 10 transactions; $.40 for each transaction thereafter
  • Monthly Base Fee in Service Charge - $7.00
  • Monthly Base Fee in Service Charge waived with any two options:
    • $1,500.00 minimum daily ledger balance, or
    • Sign up for eStatements, or
    • Recurring ACH Payroll/Benefit Deposit
  • Bill Pay - $3.00 per month for the first 10 transactions; $.40 for each transaction thereafter
Account Requirements:
  • Available for students age 16-24
  • Must provide student verification (valid current school ID, current school schedule, or proof of current enrollment)
  • Electronic transactions only - no checks allowed
  • eStatements required
Monthly Base Fee in Service Charge is waived until student's 25th birthday.  The following fees may be assessed AFTER the student's 25th birthday:
  • Monthly Base Fee in Service Charge - $7.00
After the student's 25th birthday, to continue having Monthly Base Fee in Service Charge waived, you must meet at least two of the following criteria:
  • $1,500.00 minimum daily ledger balance, or
  • Sign up for eStatements, or
  • Recurring ACH Payroll/Benefit Deposit

  • Tiered rates* to maximize interest earnings:
    • $0 - $49,999.99
    • $50,000.00 or more
  • Monthly Base Fee in Service Charge $7.00
  • Monthly Base Fee in Service Charge waived with:
    • $2,500.00 minimum daily ledger balance
  • Bill Pay - $3.00 per month for the first 10 transactions; $.40 for each transaction thereafter

Savings/Money Market Accounts

Account Details Opening Deposit Interest Bearing Service Charges Account Features
$100.00 Yes*1 $3.00
$100.00 Yes*1
 $3.00
MINOR SAVINGS $25.00 Yes*1
 N/A
AMERICAN GOLD MONEY MARKET $5,000.00 Yes* $6.00
*Rates are determined by the bank and may be adjusted at the bank's discretion.
**Overdraft Protection Plus service allows for AHB Savings, Money Market or Checking account to cover overdrafts on a designated AHB Checking account via an automatic transfer. 
1Variable interest rate compounded daily and paid quarterly on daily ledger balance.


Additional Account Features:

  • Tiered rates to maximize interest earnings:
    • $0 - $24,999.99
    • $25,000.00 or more
  • Activity fees charged quarterly:
    • First nine (9) withdrawals per quarter free
    • Withdrawals in excess of nine (9) per quarter $5.00 each
    • Base Fee in Service Charge - $3.00
      (if average daily ledger balance over the quarter is less than $100.00)
    • Activity fees will be waived with average daily ledger balance over the quarter of $1,500.00 or more
  • Tiered rates to maximize interest earnings:
    • $0 - $74,999.99
    • $75,000.00 or more
  • Requires minimum $25.00 monthly automatic transfer from an AHB checking to this savings account
  • Activity fees charged quarterly:
    • First nine (9) withdrawals per quarter free
    • Withdrawals in excess of nine (9) per quarter $5.00 each
    • Base Fee in Service Charge - $3.00
      (if average daily ledger balance over the quarter is less than $100.00)
    • Activity fees will be waived with average daily ledger balance over the quarter of $1,500.00 or more
  • Tiered rates to maximize interest earnings:
    • $0 - $24,999.99
    • $25,000.00 or more
  • Activity fees charged quarterly:
    • First nine (9) withdrawals per quarter free
    • Withdrawals in excess of nine (9) per quarter $5.00 each***
    • Activity fees will be waived with average daily ledger balance over the quarter of $1,500.00 or more
  • Tiered rates to maximize interest earnings:
    • $0 - $99,999.99
    • $100,000.00 - $249,999.99
    • $250,000.00 or more
    • Variable interest rates compounded monthly and paid monthly on daily ledger balances
  • Monthly Base Fee in Service Charge - $6.00
  • Activity Fees:
    • First two (2) withdrawals per month free
    • Withdrawals in excess of two (2) per month $5.00 each
  • Service Charges waived with:
    • $5,000.00 minimum daily ledger balance 
  • Required to purchase Money Market checks (Fees may vary by check printing company)