Our personal checking accounts have been designed with your needs in mind, whether you write a few checks a month or many. We keep your checking account options simple, with no gimmicks, no combining with other accounts to avoid service charges and no minimum balances to worry about. We offer two checking accounts, you have your choice of Totally Free Checking or Guaranteed Checking the choice is yours. Plus, with our FREE Internet banking service you'll always have instant access to your accounts 24 hours a day, 7 days a week, anytime, anywhere. With our American Bank Debit Card, which can also double as an American Bank ATM card, you'll always have access to the available funds in your checking account.