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Checking Accounts

Choose Your Checking Account

The right checking account serves a variety of purposes for you. They allow you easy access to your money and can help you earn interest on your balance if certain requirements are met. American Community Bank offers three checking accounts for our customers to choose from, each of which includes several benefits like a free debit card and free access to the American Community Bank mobile banking app. If you are interested in learning more about which checking account is the right choice for you, please contact our personal banking team. 

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Compare American Community Bank Checking Accounts

Account Name
Freedom Checking AccountIndependence Checking AccountLiberty Checking Account
Account Type

Simple free checking

Interest-bearing checking

Interest-bearing checking for customers 55+

Minimum Deposit to Open Account

$10.00

$400.00

$300.00

Minimum Balance

None

$400.00#

$300.00#

Earns Interest?

No

Yes
When minimum balance maintained

Yes
When minimum balance maintained

Monthly Service Charge

Never

$0
$8 charge when balance falls below minimum

$0
$6 charge when balance falls below minimum

Debit/ATM Card

Free*

Free*

Free*

Digital Banking with Mobile App

Free^

Free^

Free^

Free Checks

Yes+

Yes+

Yes+

Free Gift

Yes

Yes

Yes

# A balance below the minimum required will generate a monthly service charge.
* Free withdrawals at American Community Bank ATMs. Transaction fees assessed by other financial institutions for use of their ATMs may still apply.
^ Data rates may apply.
+ Free checks limited to the first box of specialty checks.