Ready to make the switch?

Fill out the following information and one of our American Trust Bankers will contact you directly. Or, you can call any of our locations listed below.

Knoxville: (865) 588-1500
LaFollette: (423) 562-2800
Lenoir City: (865) 986-7880







 

*Required Fields

img_banner1

Checking Accounts

American Trust Bank offers three convenient checking accounts.  Whether you are looking for a basic account, an interest bearing account or an account with great benefits, you can find it here.  Select one of the links listed below to learn more about each personal checking account.  

 

Ways our Checking Accounts do Right By You


No ATM Fees Worldwide

American Trust Bank's no-fee ATM and debit cards allow you to keep more of your money so you can use it as you please.  Free with any American Trust checking account, ATM and debit cards are one of the most convenient ways to get cash, no matter where you are - whether you're across town or even overseas.  It's your money, and we don't believe you should be charged a fee to use it.

 

Deposit Checks with a Smartphone

Our mobile banking app, Freedom Banking, allows you to bank anywhere by simply using your Smartphone.  Keep up with your bank balances, pay bills on the go and even deposit checks using your Smartphone.  To learn more about Freedom Banking, check out our Freedom Banking Mobile App page.  To apply for depositing checks on your Smartphone, click here

 

  

American Checking


American Trust Bank's American Checking account is a basic checking account.  It is a non-interest checking account that offers the following benefits.

  • No fees for ATM/Debit Card transactions worldwide
  • Internet Banking with Online Bill Pay at no charge
  • Freedom Banking Mobile App
  • 24 Hour Telephone Banking (866.703.7880)
  • Direct Deposit Available
  • Free eStatements with check images
  • Paper Statements are available for an additional $5 a month

Requirements
$100 minimum to open
$100 average daily balance for the statement cycle to avoid a $5 monthly service charge

Return to Top

 

Freedom Club Checking


The Freedom Club Checking account offers several packages of benefits, including no minimum balance requirements.

  • No fees for ATM/Debit Card transactions worldwide
  • Internet Banking with Online Bill Pay at no charge
  • Freedom Banking Mobile App
  • 24 Hour Telephone Banking (866.703.7880)
  • Direct Deposit Available
  • Free eStatements with check images
  • Paper Statements are available for an additional $5 a month
  • Two (2) free check orders a year
  • No minimum balance requirements
  • Security and Financial Benefits
    • $10,000 Accidental Death & Dismemberment Insurance 1*
    • $2,500 Dependent Child Accidental Death & Dismemberment Insurance 1*
    • $10,000 Identity Fraud Expense Reimbursement 2*
    • Identity Fraud Resolutions Services
    • Credit Card Registration Program
  • Shopping and Travel Benefits
    • $500 Grocery Coupon
    • Preferred Hotel Savings Guide
  • Health and Fitness Benefits
    • EyeCare and EyeWear Plan
    • Vitamins and Nutritional Supplement Plan
    • Prescription Drug Plan

Requirements
$100 minimum to open
$8.50 monthly service charge

Return to Top

 

Freedom Interest Checking


An interest bearing checking account that also provides a discount on a safe deposit box*.  

  • No fees for ATM/Debit Card transactions worldwide
  • Internet Banking with Online Bill Pay at no charge
  • Freedom Banking Mobile App
  • 24 Hour Telephone Banking (866.703.7880)
  • Direct Deposit Available
  • Free eStatements with check images
  • Paper Statements are available for an additional $5 a month
  • 50% discount on any safe deposit box for the first year*
  • Cashier's Checks available at no extra charge
  • Interest bearing account: Rate is variable and earnings are credited monthly

Requirements
$2,500 minimum to open 
$2,500 daily balance to avoid a $12 monthly service charge

Return to Top

 

  You will receive the prescription drug plan, vitamins and nutritional supplement plan, preferred hotel savings guide, eyecare and eyewear plan, credit card registration, identity fraud resolution service, and $500 grocery coupon book as a bonus when you open the account.  There is no minimum daily balance to obtain the bonus.  To earn the bonus, $0.01 must remain on deposit.  
    1National Union Fire Insurance Company of Pittsburgh, Pa. is our Accidental Death Insurance underwriter.  For questions regarding claims of your coverage, call 866.210.0391.  
    2Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Causality and Surety Company of American and its property casualty affiliates, Hartford, CT 06183.  Coverage for all claims or losses depends on actual policy provisions.  Availability of coverage can depend on our underwriting qualifications and state regulations.  
    * Please note, Insurance services and Safe Deposit Boxes are: Not a deposit; Not FDIC insured; Not insured by any federal government agency; Not guaranteed by the Bank