|
Personal
Banking Accounts
Premier Checking Account
The Premier Checking Account is designed for customers who want unlimited check writing privileges, who appreciate convenient ATM and Debit Card
access, check imaging, and a zero minimum balance requirement.
Account Features
- First three months of Maintenance Fees waived
- First 50 personalized checks are free of charge
- Free teller transactions (Drive-up and Lobby)
- Detailed monthly statements
- Unlimited check writing privileges, debit, and auto debit activity each month
- Convenient check imaging
- Free Direct Deposit
- Free Overdraft Protection
- Free Automatic Transfers between your AEB accounts
- Convenient access to your accounts, balances and transfers through AEB Bankline, our 24 hour telephone banking system
- Free Internet Banking
- Free Checkfree Bill Payment through Internet Banking
- ATM Card issued at no charge
- Debit Card issued at no charge
- Free use of AEB's ATMs
- Free use of Star7 Network ATMs
- Free use of non-AEB/non-Star7 Network ATMs
(You may be charged a fee by other ATMs.)
- No annual fee Premier Reserve Personal Line of Credit (with credit approval)
- VISA Credit Card upon approval
- Night Depository
- FDIC Insurance
Balance Requirements
- Minimum deposit to open account: $100
- Minimum daily balance of zero must be maintained to avoid a Monthly Maintenance Fee.
Fees
- $10 Monthly Maintenance Fee if the account balance falls below the
minimum
Please refer to Terms and Conditions of Your Account and Important Account
Information For Our Customers, and the Limits and Fees for additional
terms, conditions and fees; including ATM, Money Market/Savings Account withdrawal and transfer restrictions.
Revision Date: January 1, 2005. Subject to change.
(back to
top)
Premier Interest Checking
The Premier Interest Checking Account is designed for customers who want unlimited check writing privileges, a low minimum balance requirement, the
opportunity to earn interest when their balances exceed $1,000 and bonus CD rates.
Account Features
- First three months of Maintenance Fees waived
- First 50 personalized checks are free of charge
- Free teller transactions (Drive-up and Lobby)
- Detailed monthly statements
- Unlimited check writing privileges, debit, and auto debit activity each month
- Convenient check imaging
- Free Direct Deposit
- Free Overdraft Protection
- Free Automatic Transfers between your AEB accounts
- Convenient access to your accounts, balances and transfers through AEB Bankline, our 24 hour telephone banking system
- Free Internet Banking
- Free Checkfree Bill Payment through Internet Banking
- ATM Card issued at no charge
- Debit Card issued at no charge
- Free use of AEB's ATMs
- Free use of Star7 Network ATMs
- Free use of non-AEB/non-Star7 Network ATMs
(You may be charged a fee by other ATMs.)
- No annual fee Premier Reserve Personal Line of Credit (with credit approval)
- Tiered rates of interest paid on qualified balances at the Bank's current rates
- Interest calculated daily on all collected balances and credited monthly
- VISA Credit Card upon approval
- Night Depository
- FDIC Insurance
Balance Requirements
- Minimum deposit to open account: $100
- $350 minimum daily balance must be maintained to avoid a Monthly Maintenance Fee
- $500 minimum daily balance must be maintained to qualify for Bonus CD Rates
- $1,000 minimum daily balance must be maintained to earn daily interest
Fees
- $10 Monthly Maintenance Fee if the account balance falls below the minimum
Accounts closed prior to the interest credit date will forfeit accrued interest.
(back to
top)
Lifestyle Interest Checking
The Lifestyle Interest Checking Account is designed for customers age 50 (or better!) who want unlimited check writing privileges, a zero minimum
balance requirement, the opportunity to earn interest when their balances exceed $1,000 and bonus CD rates, together with an attractive package of
additional free or discounted services.
Account Features
- First three months of Maintenance Fees waived
- Free personalized "Lifestyle" checks
- Free teller transactions (Drive-up and Lobby)
- Detailed monthly statements
- Unlimited check writing privileges, debit, and auto debit activity each month
- Convenient check imaging
- Free Direct Deposit
- Free Overdraft Protection
- Free Automatic Transfers between your AEB accounts
- Convenient access to your accounts, balances and transfers through AEB Bankline, our 24 hour telephone banking system
- Free Internet Banking
- Free Checkfree Bill Payment through Internet Banking
- ATM Card issued at no charge
- Debit Card issued at no charge
- Free use of AEB's ATMs
- Free use of Star7 Network ATMs
- Free use of non-AEB/non-Star7 Network ATMs
(You may be charged a fee by other ATMs.)
- No annual fee Premier Reserve Personal Line of Credit (with credit approval)
- Tiered rates of interest paid on qualified balances at the Bank's current rates
- Interest calculated daily on all collected balances and credited monthly
- VISA Credit Card upon approval
- Night Depository
- FDIC Insurance
Free or Discounted Services
- Lifestyle members are eligible for the following:
- Free Cashier's Checks and Personal Money Orders
- Free single signature Traveler's Checks
- Free notary and signature guarantee services
- Minimum 40% discount on available safe deposit boxes
- Lifestyle Travel Club
Balance Requirements
- Minimum deposit to open account: $100
- Minimum daily balance of zero must be maintained to avoid a Monthly Maintenance Fee
- $500 minimum daily balance must be maintained to qualify for Bonus CD Rates
- $1,000 minimum daily balance must be maintained to earn daily interest Fees
- $10 Monthly Maintenance Fee if the account balance falls below the minimum
Accounts closed prior to the interest credit date will forfeit accrued interest.
(back to
top)
Personal Money Market Account
The Personal Money Market Account offers tiered rates of interest and access to funds, with limited check writing privileges.
Account Features
- First 40 money market checks are free with a minimum opening balance of $25,000
- Free teller transactions (Drive-up and Lobby)
- Deposit any amount at any time
- Unlimited number of in-person withdrawals
- Unlimited number of ATM withdrawals
- Six free preauthorized/telephonic and third party transfers with no more than three by check each month
- Detailed monthly statements
- Convenient check imaging
- Free Direct Deposit
- Your Personal Money Market Account can be linked to an AEB checking account to provide overdraft protection
- Free Automatic Transfers between your AEB accounts
- Convenient access to your accounts, balances and transfers through AEB Bankline, our 24 hour telephone banking system
- Free Internet Banking
- ATM Card issued at no charge
- Free use of AEB's ATMs
- Free use of Star7 Network ATMs
- Free use of non-AEB/non-Star7 Network ATMs
(You may be charged a fee by other ATMs.)
- Tiered rates of interest paid at the Bank's current rates
- Interest calculated daily on all collected balances and credited monthly
- VISA Credit Card upon approval
- Night Depository
- FDIC Insurance
Balance Requirements
- Minimum deposit to open account: $1,000
- $1,000 minimum daily balance must be maintained to avoid a Monthly Maintenance Fee
Fees
- $15 Monthly Maintenance Fee if the account balance falls below the
minimum
- Excess transaction limits apply. A fee of $25 per Federal Reserve "Reg. D" violation will be charged.
Accounts closed prior to the interest credit date will forfeit accrued interest.
(back to
top)
Premier Money Market Account
The Premier Money Market Account has all of the features of the Personal Money Market Account, and pays premium rates to those customers who deposit
and maintain a $10,000 minimum balance and have at least one other type of account at American Enterprise Bank. $35 Monthly Maintenance Fee if the
account balance falls below the minimum.
(back to
top)
First Rate Savings Account
The First Rate Savings Account pays interest, offers customers access to their funds and has a low minimum balance requirement.
Account Features
- First month Maintenance Fee waived
- Free personalized deposit and withdrawal slips
- Free teller transactions (Drive-up and Lobby)
- Detailed quarterly statements (monthly with EFT activity)*
- Deposit any amount at any time
- Four free withdrawals each month
- Free Direct Deposit
- Your First Rate Savings Account can be linked to an AEB checking account to provide overdraft protection
- Free Automatic Transfers between your AEB accounts*
- Convenient access to your accounts, balances and transfers through AEB Bankline, our 24 hour telephone banking system
- Free Internet Banking
- ATM Card issued at no charge*
- Free use of AEB's ATMs*
- Free use of Star7 Network ATMs
- Free use of non-AEB/non-Star7 Network ATMs
(You may be charged a fee by other ATMs.)
- Variable rates of interest paid at the Bank's current rate
- All balances earn interest
- Interest is compounded and paid quarterly
- VISA Credit Card upon approval
- Night Depository
- FDIC Insurance
*Not available with Passbook Accounts
Balance Requirements
- Minimum deposit to open account: $100
- $100 minimum daily balance must be maintained to avoid a Monthly Maintenance Fee (waived for minor accounts)
Fees
- $4 Monthly Maintenance Fee if the account balance falls below the minimum
- $1.50 per withdrawal after the four per month allowed
- Excess transaction limits apply. A fee of $15 per Federal Reserve "Reg. D" violation will be charged.
Accounts closed prior to the end of the quarter will forfeit accrued interest.
(back to
top)
Premier Rate Savings
The Premier Rate Savings Account has all the features, balance requirements and fees of the First Rate Savings Account (not available with Passbook
Accounts), plus it pays a bonus interest rate. It is available to all personal customers who also maintain an active checking account with a
direct deposit at American Enterprise Bank.
(back to
top)
Loans
Consumer Loans
- First Mortgage Loans
- Purchase
- Refinance
- Second Mortgage Loans
- Home Equity
- Fixed
- Variable
- New and Used Vehicles
- Boats
- Recreational Vehicles
- Overdraft Protection
Please contact our Lending Department at:
- Buffalo Grove (847) 465-9700
- Highland Park (847) 681-8600
- Schaumburg (847) 352-1200
(back to
top)
Important
Information - USA Patriot Act
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
WHAT THIS MEANS FOR YOU
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
(back to
top)
|
|
