BRANCH LOCATIONS
515 S Minnesota Avenue
Sioux Falls, SD 57104
Phone: 605-361-1010
Fax: 605-361-5109
3310 W 49th St
Sioux Falls, SD 57106
Phone: 605-334-2400
Fax: 605-334-3427
549 Broadway
Centerville, SD 57014
Phone: 605-563-2207
Fax: 605-563-2437

Personal Checking Products

  Free
Checking
Silver
Checking
Regency
Checking
Gold
Checking
Health
Savings

Minimum
Requirements
(to avoid service charges)
None

$50 minimum initial deposit
None

$50 minimum initial deposit
$1,200

$1,200 minimum initial deposit
$2,500

$2,500 minimum initial deposit
None

No minimum initial deposit

Monthly
Maintenance
Fee
None None No Monthly Maintenance Fee with a minimum average daily balance of $1,200 $10.00 if below minimum None

ATM/Debit Card Surcharge free at ONE AMERICAN BANK and MoneyPass® network ATMs (other bank surcharges may apply) Surcharge free at ONE AMERICAN BANK and MoneyPass® network ATMs (other bank surcharges may apply) Surcharge free at ONE AMERICAN BANK and MoneyPass® network ATMs (other bank surcharges may apply) Surcharge free at ONE AMERICAN BANK and MoneyPass® network ATMs (other bank surcharges may apply) Surcharge free at ONE AMERICAN BANK and MoneyPass® network ATMs (other bank surcharges may apply)

Interest No No Yes

(on average daily balances over $1,199.99)*
Yes

(on average daily balances over $2,499.99)*
Yes

(on average daily balances)*

Check Images
(checks returned in account statement)
No #Yes Yes Yes Yes

Overdraft Protection +Yes +Yes +Yes +Yes No

Additional Benefits Free Internet Banking

+Free ATM/Debit Card

Convenient Monthly Statement

+No annual fee credit card
Free Internet Banking

+Free ATM/Debit Card

Convenient Monthly Statement

+No annual fee credit card
Free Internet Banking

+Free ATM/Debit Card

Convenient Monthly Statement

+No annual fee credit card

FREE Personalized Single Checks
Free Internet Banking

+Free ATM/Debit Card

Convenient Monthly Statement

+No annual fee credit card

FREE first order of Single Checks
Free Internet Banking

+Free ATM/Debit Card

Convenient Monthly Statement

+No annual fee credit card

* The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
# A $3.00 fee may apply.
+ Subject to Approval.