You'll find the features you want and the flexibility you need with one of Ameriana's checking account options. Plus, we make moving your account easy with the Ameriana Switch Kit.
If you're looking for simplicity, or if you may not qualify for a traditional checking account, look no further - Access Checking is for you. With Access, you'll receive:
With no minimum balance requirement and no monthly service fee, you'll find that Freedom Checking is still free at Ameriana.
This non-interest bearing account includes four free transactions per month at any bank's ATM.3 And, if you set up free monthly direct deposit or you're a full-time student, your monthly service fee is waived.
For high-balance customers, this interest-bearing account offers unlimited check writing and a tiered interest rate.
Pays 1.0% interest
On every dollar up to $25,000*
Use of any ATM, four times per month**
Debit card printing on the spot
Our new ONE Account earns interest like a savings account, while it functions as your checking account with full debit card, online and mobile banking privileges. With this account, you can avoid fees and earn a great rate every day, just by doing the things you normally do:
Avoid fees with a cumulative monthly direct deposit of $2,000 or more, or an average daily balance of $5,000 or more. (If you don't qualify one month, we'll charge a $10 fee, but you'll be eligible to avoid fees the next month.)
Earn interest by making 8 debit card purchases that post and clear the account per qualification cycle.
You can also:
*Account earns 1.00% Annual Percentage Yield (APY) on balances up to $25,000; and .15% APY up to 1.00% APY on balances $25,000 and over, with these restrictions: $50 minimum opening balance required. Limit two ONE Account checking accounts per household. Offer not valid for business accounts. Average daily balance of $5,000 or more, or a cumulative monthly direct deposit of $2,000 or more, required to waive $10 monthly service charge. Eight debit card transactions must be posted by month-end, no grace period, in order for the account to earn the higher interest rate. Regardless of debit card transaction requirements, account earns .01% APY on all balances up to $100,000. On balances $100,000 and over, account earns .00% APY to .01% APY. Limited time promotional offer. Introductory rate in effect August 15, 2014. Ameriana may modify the introductory rate at any time. Initial rates are guaranteed and in effect for six months after the date of account opening. Fees may reduce the earnings on the account. Must be 18 years or older and a resident of Indiana. **Domestic non-Ameriana ATM transactions in excess of four per month are subject to normal ATM surcharges. ***Deposit(s) must be under $900 to be accepted. Deposit(s) may not be available for immediate withdrawal. Your mobile carrier's text messaging and data access charges may apply. ****Subject to credit approval or a qualified savings or checking account.
1$50 opening balance required for all personal checking accounts. 2Your mobile carrier's text messaging and data access charges may apply. Deposit(s) must be under $900 to be accepted. Deposits may not be available for immediate withdrawal. 3Domestic non-Ameriana ATM transactions in excess of four per month are subject to normal ATM surcharges.