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Checking

Personal Checking accounts texas
A checking account should be versatile. At American National Bank of Texas, we understand our customers all have different financial needs and want an account best suited to those needs. As a result, we created five different checking accounts, each with its own focus. From Free eChecking to Premium Checking, we have you covered. Whether you maintain a single low balance or a high balance with multiple accounts, you’ll find what you’re looking for. Every personal checking account provides security and convenience with mobile and online banking features. 

If you have any questions, feel free to contact a local branch. We can help you determine which American National Bank of Texas checking account is the best checking account for you, or simply use our online consumer checking guide (see below).
CHECKING ACCOUNT TYPES Free eChecking MyChoice Checking DirectPlus Checking Premium Checking No Overdraft Fee Banking
Account Description          
Best for customers who...

Prefer the security and convenience of monthly eStatements with no minimum balance, as well as access to paying bills, making transfers and monitoring transactions online or through online banking.

Enjoy both traditional and electronic banking and use a combination of banking services. They also value receiving a monthly paper statement.

Prefer traditional banking with no minimum balance required. They are 55 years of age or older, or may use monthly direct deposit.

Value being rewarded for maintaining multiple accounts with higher balances with the opportunity to access increasing interest rates. Convenience products are important as they are used for transferring funds and paying bills.

Would consider using a prepaid debit card to avoid unplanned fees or who would prefer paying a set monthly service fee. They do not wish to have overdraft protection and would like to adhere to a set budget.

Minimum Opening Requirement  $50.00 $50.00 $50.00 $50.00 $50.00
Monthly Service Fee $0.00 $4.95 $2.95 $15.00 $14.95
Avoid Monthly Service Fee  N/A No  eStatement Enrollment 

Maintain Daily Balance of $1,500.00 or Average Ledger Balance of Combined Accounts greater than $15,000.00

No 
Features          
Mobile Banking Yes Yes Yes Yes Yes
Online Banking with BillPay Yes Yes Yes Yes Yes
MoneyHD Yes Yes Yes Yes Yes
Debit Card Yes Yes Yes Yes Required 
Interest No No No

Daily collected balance of $5,000.00 or more

No
Checks Allowed  Yes Yes Yes (1 free box annually)  Yes (2 free boxes annually)  No
Bank Statements           
  eStatement Paper statement Paper or eStatement Paper or eStatement eStatement
(Paper statement upon request only) 
  Learn More Learn More Learn More Learn More Learn More

Free eChecking

Account Description

Best for customers who...

Prefer the security and convenience of monthly eStatements with no minimum balance, as well as access to paying bills, making transfers and monitoring transactions online or through online banking.

Minimum Opening Requirement

$50.00

Monthly Service fee

$0.00

Avoid Monthly Service Fee

N/A

Avoid Monthly Service Fee

N/A

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

No

Checks Allowed

Yes

Bank Statements

eStatement

Learn More

MyChoice Checking

Account Description

Best for Customers who...

Enjoy both traditional and electronic banking and use a combination of banking services. They also value receiving a monthly paper statement.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$4.95

Avoid Monthly Service Fee

No

Avoid Monthly Service Fee

No

Features

Mobile Banking

Yes

Online Banking With BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

No

Checks Allowed

Yes

Bank Statements

Paper Statement

Learn More

DirectPlus Checking

Account Description

Best for customers who...

Prefer traditional banking with no minimum balance required. They are 55 years of age or older, or may use monthly direct deposit.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$2.95

Avoid Monthly Service Fee

eStatement Enrollment

Avoid Monthly Service Fee

eStatement Enrollment

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

No

Checks Allowed

Yes (1 free box annually)

Bank Statements

Paper or eStatement

Learn More

Premium Checking

Account Description

Best for customers who...

Value being rewarded for maintaining multiple accounts with higher balances with the opportunity to access increasing interest rates. Convenience products are important as they are used for transferring funds and paying bills.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$15.00

Avoid Monthly Service Fee

Maintain Daily Balance of $1,500.00 or Average Ledger Balance of Combined Accounts greater than $15,000.00

Avoid Monthly Service Fee

Maintain Daily Balance of $1,500.00 or Average Ledger Balance of Combined Accounts greater than $15,000.00

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Yes

Interest

Daily collected balance of $5,000.00 or more

Checks Allowed

Yes (2 free boxes annually)

Bank Statements

Paper or eStatement

Learn More

No Overdraft Fee Banking

Account Description

Best for customers who...

Would consider using a prepaid debit card to avoid unplanned fees or who would prefer paying a set monthly service fee. They do not wish to have overdraft protection and would like to adhere to a set budget.

Minimum Opening Requirement

$50.00

Monthly Service Fee

$14.95

Avoid Monthly Service Fee

No

Avoid Monthly Service Fee

No

Features

Mobile Banking

Yes

Online Banking with BillPay

Yes

MoneyHD

Yes

Debit Card

Required

Interest

No

Checks Allowed

No

Bank Statements

eStatement
*paper statement upon request

Learn More
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