Relationship Checking

A checking account with American Trust is for more than spending money — it's also for making money!

This account earns competitive interest on the entire balance, and the low monthly fee is waived if you maintain your daily balance above $1,000. Make the most out of your checking with this great account.

  • Tiered interest paid on monthly balance 1, 2
  • $10 monthly service fee
  • No monthly service fee when you maintain:
    • $1,000 daily minimum balance, or
    • $25,000 relationship balance*
  • Free online banking and bill pay
  • Free mobile banking
  • Free eStatements
  • Free debit card
  • No paper statement fee
  • Access to Merchant Discount Program
  • Image statement fee $3.00 per statement (optional)
  • $1000 deposit to open account
  • FDIC insured

View our current rates.

Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa only please.

If you close your account before interest is credited, all accrued interest will be paid.

*Relationship includes personal checking, savings, certificates of deposit, IRAs and current balance on consumer loans. Excludes residential real estate loans, demand deposit loans, and Fresh Start Loans. Relationship total is determined by adding average statement cycle balance on all depository accounts plus the current balance on personal loans.

1Daily Balance Method used to calculate interest on account. This method applies a daily periodic rate to the principal balance in the account each day.

2Interest rates are variable and subject to change at the bank’s discretion at any time. The annual percentage yield may vary due to the interest rate changes and fees. Please refer to our Deposit Rates for current interest rates and annual percentage yields based on designated balance tiers.