Personal Products

PERSONAL CHECKING

Free Checking:

With more personal attention than money can buy, our experienced staffs of personal bankers are available to help you with your short and long-term financial goals. Our Free Checking offers unlimited check writing with no minimum balance requirements, no monthly service charge, and no per check or item charges.

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Senior Interest Checking

Senior Interest Checking:

An exclusive account for customers that are over 55 years of age that offers all the benefits of our Free Personal Checking plus much more.

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Personal Money Market

Personal Money Market Accounts:

At American Community Bank we understand how important it is for you to make the most out of your hard-earned savings. That’s why our high yielding Money Market account allows for high interest rates on tiered structure without any minimum balances. This account also allows the flexibility of a limited number of checks and pre-authorized debits/ transfers.

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Personal Savings Accounts

Personal Savings Accounts:

This high yielding account is the perfect account to save for your vacation, your dream home, or to set aside excess cash flow and watch it grow. Interest is based on a tiered rate structure.

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Personal CD

Personal Certificate of Deposit:

American Community Bank’s certificates of deposit are ideal for individuals that want to take advantage of higher long-term interest rates.

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Personal IRA Accounts

Plan ahead for the perfect retirement by opening a traditional or Roth IRA today.

Both IRA plans offer tax advantages that differ based on when you receive the benefits. Start earning competitive interest right away. Plan today; relax tomorrow with an American Community Bank.

• Tax-advantaged retirement savings
• C.D. Terms ranging from 3 Months to 5 years
• Traditional and Roth IRA options
• No setup charges
• No monthly or annual maintenance charges

Traditional Vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Subject to some minimal conditions. Consult a tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.
***Consult a tax advisor.

Holiday Club

Holiday Savings Account:

Let us help you save for the holiday season. With an interest bearing holiday club from American Community Bank, you can save throughout the year for the holidays. Even if you don’t plan to use the money for the holidays, it’s a great way to save for the future.

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Personal Loans

American Community Bank has an array of personal loans to meet all of your lending needs. Whether you are looking for short term loan such as a Credit Card or Installment loan or a long term loan such as a Home Equity Line of Credit we have you covered. We are here to help you with everything from your unexpected medical bills to the remodeling of your home.

ACB VISA® Credit Card

• Competitive Interest Rates
• 0% Introductory APR for the first 6 billing cycles from the date the account is opened.
• Balance transfer fee waived at time of account opening, 3% after.
• Reward Points – Earn one point for every net dollar you spend.
• State of the art Visa® Security

Unsecured Installment Loans

A fixed rate, fixed term loan is a perfect way to finance a home improvement, special event, or unplanned expense—without collateral.

• Simple Application
• Fixed Term, Fixed Rate
• No Collateral Needed

Installment Loans Secured by CD or Savings Account

If you have an American Community Bank CD or savings account, you can use it as collateral for a loan—meaning you get a lower annual percentage rate without touching your savings.

• Expedited Funding
• Simple Application
• Fixed Term, Fixed Rate

Auto Loans

Whether you are looking to purchase a new car, or looking for an economical solution by purchasing a used car, an auto loan with American Community Bank can help finance the purchase. We offer competitive fixed rates for a fixed period of time.

Home Equity Lines of Credit

Your home may be one of your biggest assets, so you should make sure the home equity financing you select is a good option for you. Our home equity lines of credit provide financing options for home improvement projects, debt consolidation, large purchases, and other unexpected expenses.

Personal Account Services

Business Savings Account:

Go online to view balances; transfer funds make payments anytime anywhere.

Bank anytime from anywhere. Simply dial 1-877-24HR ACB.

Direct Deposit

Arrange for free direct deposit of salary payments, Social Security or other regular income payments to your checking account.

Make a purchase at any VISA® merchant location. Payment is automatically deducted from your checking account. Save time as you no longer have to write checks. Access your checking account at any ATM location.

Safe Deposit Boxes

At American Community Bank you can find a safe place to store your valuables and important documents. We have multiple sizes to fit your needs.

24 Hour ATM

Get cash, make transfers or deposits* 24 hours a day, 7 days a week including holidays at all of our branch locations.

Provide the perfect gift to friends and family with a Visa® gift card that can be used virtually anytime, anywhere. VISA® - $5.00 fee

Notary Service

American Community Bank provides Notary service at all of our branch locations to both ACB customers and non-customers

American Community Bank provides free Signature Guarantee service to all ACB customers.

Wire Transfers