img_bannerBusiness

BUSINESS AND CORPORATE CHECKING ACCOUNTS

Our experienced bankers are committed financial partners with insight into the local economy, and are willing to give a hands-on approach to helping people reach their goals. 


basic business checking

American Trust Bank's Basic Business Checking account offers you the opportunity to add on Business Management Suite options that will enhance your banking experience.  

Benefits

  • Up to 300 items* each month at no additional cost
  • Link to savings and/or line of credit sweep option
  • Business Debit Cards available, no fee for ATM transactions worldwide
  • Internet Banking with Bill Pay at no charge
  • Freedom Banking Mobile App
  • 24 Hour Telephone Banking (866-703-7880)
  • Free eStatements
  • Business Credit Cards available
  • Add-On Options: Business Management Suite I or II

Account Pricing

  • Minimum balance required to open account: $500
  • Business Checking Monthly Service Charge: $15
  • Monthly Service Charge can be offset by combined average collected balances of $25,000 in other business and personal checking accounts, and business and personal savings accounts
  • Per item charge over 300 transactions: $0.37
  • Paper Statement are available for an additional $5 per statement cycle

Business Management Suite Options

Business Management Suite I Business Management Suite II
This suite option allows you to choose one of the two following services: This suite option includes all three of the following services:

Remote Deposit Capture

  • Efficient Deposit Process
  • Increased Funds Availability
  • Includes One Scanner

Remote Deposit Capture

  • Efficient Deposit Process
  • Increased Funds Availability
  • Includes One Scanner

Online Cash Management

  • ACH Origination
  • Payroll Direct Deposit

Online Cash Management

  • ACH Origination
  • Payroll Direct Deposit
 

Positive Pay

Business Suite Balances and Fee Equivalents
Business Checking and Management Suite I Business Checking and Management Suite II
Monthly Service Charge $55 Monthly Service charge $95
Monthly Service Charge can be offset by combining average collected balances of $45,000 in other business and personal checking accounts, and business and personal savings accounts.   Monthly Service Charge can be offset by combining average collected balances of $65,000 in other business and personal checking accounts, and business and personal savings accounts. 

Credit approval required for Remote Deposit Capture and Online Cash Management. 

*Items include: Paper transactions (checks paid, checks deposited and deposit slips) and electronic transactions (ACH, debit card transactions and wire transfers)

 

corporate checking

An account designed for larger commercial customers 

Benefits

  • No minimum balance requirements
  • Earnings credit available
  • Interest bearing sweep account with attractive interest rates
  • Business Debit Cards available, no fee for ATM transactions worldwide
  • Internet Banking
  • Freedom Banking Mobile App
  • 24 Hour Telephone Banking (866-703-7880)
  • Free eStatements
  • Business Credit Cards available
  • Paper statements are available for an additional $5 per statement cycle

Fees are determined based on activity, transactions and balances.  Some service fees can be offset by earnings credit.

Return to Top

We are strongly committed to the success of your business in our communities. If you would like to set up an appointment to discuss how we can simplify and improve your business operations, please contact one of our Commercial Bankers in Knoxville, LaFollette or Lenoir City.

 

Notice - Unlawful Internet Gambling Enforcement Act of 2006

This notification is provide pursuant to the Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 and Regulation GG.  The Act prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling.  As an accountholder, these restricted transactions are prohibited from being processed through the account or relationship with us.

Return to Top