Personal Services

Checking Accounts

Direct Checking

Enjoy the convenience of receiving your paycheck or Social Security checks via direct deposit.
Minimum deposit to open - $100 and no monthly minimum balance required.
No annual fee Visa*Check Card and unlimited check writing.

No monthly maintenance fee as long as you have at least one monthly direct deposit to your account.
** American Commerce Bank pays ALL ATM FEES up to 8 withdrawals per month from any ATM worldwide.

Secure 50 Checking

Available for anyone age 50 and above.
Minimum deposit to open - $100 and $500 minimum daily balance required to earn interest and avoid $6 monthly maintenance fee.
Unlimited check writing and no annual fee Visa*Check card.

Personal Interest Checking

An interest-earning account for individuals that allows easy access to your money.
Minimum deposit to open - $100 and $750 minimum daily balance required to earn interest and avoid $8 monthly fee. Unlimited check writing and no annual fee Visa* Check card.

Student Checking

Available for full-time students 24 years and younger. For students who are younger than 18, signature of Parent, Grandparent or Legal Guardian will be required. $100 minimum balance to open and no minimum balance requirement or monthly maintenance fee. No annual fee Visa*Check card or ATM card and no charge for first order of standard checks. ** American Commerce Bank pays ALL ATM FEES up to 8 withdrawals per month from any ATM worldwide.

HERO Checking

A no fee account exclusively for teachers, medical professionals, police officers, fire fighters, and military. Minimum deposit to open - $100. No minimum balance required to earn interest and no monthly maintenance fee. Unlimited check writing and no fee for first order of standard basic wallet style checks. American Commerce Bank pays ALL ATM FEES up to 8 withdrawals per month from any ATM worldwide.

Personal Savings

The safe and secure regular savings account that allows easy access to your money. Minimum opening deposit of $100 and minimum daily balance of $100 required to avoid a $5 monthly maintenance fee. 2 withdrawals at no charge per month, $3 each in excess of 2. 6 pre-authorized withdrawals, automatic or telephonic transfers, checks, drafts, debit card, or similar order payable to third parties per month.

Young Savers

Available to young people age 18 and younger. Must be joint with parent, grand-parent, or legal guardian. No minimum opening deposit required and no check writing capability with this account. No minimum balance requirement and no monthly maintenance fee. 2 withdrawals allowed monthly at no charge. $3 each in excess of 2. 6 pre-authorized withdrawals, automatic or telephonic transfers, checks, drafts, debit card, or similar order payable to third parties per month.

Personal Money Market

A high yield interest-earning account for individuals maintaining higher balances. $1000 is minimum balance to open and minimum daily balance to avoid monthly $10 maintenance fee. Account earns the announced tiered competitive money market interest rate. Maximum of 6 pre-authorized withdrawals, automatic or telephonic transfers, checks, drafts, debit card, or similar order payable to third parties per statement cycle. $10 excess debit fee for each transaction in excess of 6.

All Accounts come with mailed image statements, online banking and electronic statements, and unlimited 24 hour phone access. 1-888-274-0064.

For a Lost or Stolen Debit Card please contact your local branch during normal business hours.

For after hours, please call 1-866-546-8273
or you may maintain yourself through Internet Banking or Mobile.

Via Internet Banking, after logging in, navigate to "Options" and then "Debit Cards". Check the "Lost/Stolen" box next to the appropriate card and then click "Submit".
Via Mobile, after logging in, navigate to "Preferences" and then "Manage Cards". Highlight the appropriate card and then click "Report Lost or Stolen".