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Smart Banking Extras

Convenience with Ameriana

The Ameriana Action Line

Access your accounts 24/7 with the Ameriana Action Line, a completely secure way to do your banking right when it's easiest for you. You can transfer funds, check account balances, report your Visa® Check Card lost or stolen, make payments, order checks and more by calling toll free 1-888-238-7711 or (765) 521-7711 locally today.

Direct Deposit

One form is all it takes for us to directly deposit your government payments, payroll or pension checks. Then your funds are ready on the day of deposit with no waiting.

Visa® Gift Cards

An Ameriana Visa Gift Card is a convenient, prepaid card that can be used everywhere Visa® is accepted. You can:

  • Receive cards in any denomination ranging from $10 - $1,000.
  • Use the card as many times as you like while funds are available.

A monthly inactivity fee of $2.95 may be assessed to your card after 12 consecutive months of inactivity. If your card is lost/stolen, you may receive a replacement card for a fee of $5.00 by calling the Customer Service number on the back of your card.

Overdraft Protection

Link your checking account to another Ameriana deposit account or apply for a revolving line of credit* to guard against occasional overdrafts on your Ameriana checking accounts. You may also qualify for a discretionary overdraft protection program. Avoid having checks returned due to insufficient funds, plus your monthly account statement can help you track the activity for easy record keeping. Learn more.

*Overdraft protection line of credit limits between $500 and $2,500 with 18.00% APR on unpaid balance. Advances made in $50 increments with $3 per month fee charged to checking account and monthly P&I payments.

Debit Card Overdraft Service

Your Ameriana checking account may come with a free service to automatically cover your overdrafts in case you overdraw your account. On July 1, 2010, a federal regulation went into effect and under the new rules, Ameriana is no longer able to provide this service automatically. So, if you overdraw your account at an ATM machine or when making a purchase with your debit card, your purchase or withdrawal will be denied. If you want us to provide this service, we need your permission.

*Ameriana will charge an insufficient funds/overdraft fee each time we pay an overdraft. We do not charge overdraft fees for transactions that are less than $5.00. Ameriana pays overdrafts at our discretion, which means we do not guarantee that we will authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Automatic Payments

Know that your Ameriana loan will be paid on time every month by setting up automatic payments from any savings or checking account. For Ameriana accounts, we just need your signature as authorization. For accounts from another bank, we'll also need a voided check or deposit ticket. It's a simple process to achieve peace of mind.

Combined Statement

Combining your statement saves time and streamlines your record keeping by giving you a complete picture of your banking relationship. This no-cost service combines your checking account, and any or all of your savings accounts, certificates of deposit, installment and mortgage loans onto one statement.

Online Statements

Eliminate the paper clutter in your home by using Ameriana's Online Statements. This free service is convenient, secure and environmentally-friendly. You'll have complete access to your account statements through Ameriana Online 24, including check images. Visit Ameriana Online 24 to learn more.




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