Take advantage of American Bank & Trust promotions, bonuses, and offers here!
Update 11/12/26: There’s now a $750 checking & savings bonus valid though 12/31/26.
About American Bank & Trust Promotions
American Bank & Trust is a locally owned and locally managed bank that has been serving the area since the late 1800’s. We pursue a growth strategy that affords us the capacity to meet and serve all of our customers’ financial needs and make available to the customer all of the financial products they desire in today’s fast-paced world. We are a service-oriented organization with independent leadership based in our communities.
Fair and competitive principles guide our pricing standards in the customer’s use of the financial products that we offer and the ones they choose to use. The bank must be profitable and maintain strong capital in order to continue to serve our customers and their needs and in order to meet the goals of the bank stakeholders.
It is the desire of bank ownership and management to be recognized as having competent, professional, and friendly bank staff with a reputation of unquestioned integrity. Our employees are committed to community involvement, and we strive to provide them a comfortable working environment, competitive compensation, and quality benefits.
American Bank & Trust $750 Checking & Savings
Earn a $750 bonus when you open a new checking & savings account and meet the qualifying requirements.
- What you’ll get: $750 bonus
- Account Type: Checking & Savings
- Availability: SD, MN (Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: $0-$5; waivable
- Early Account Termination Fee: Not listed
- Household limit: None listed
(Expires 12/31/2026)
| Bank of America (Up to $500 bonus offer) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $3,000 Cash Bonus), | Chase Private Client ($3,000 Bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a new checking and savings account with American Bank & Trust and earn up to $750.
- Earn $600 when you complete the following:
- Open a new checking account
- Set up recurring direct deposit
- Enroll in eStatements
- Make 20 debit card purchases
- Earn $150 when you complete the following:
- Open a new savings account
- Enroll in Save Your Change (Requires checking account & debit card transactions)
- Enroll in eStatements
- Make a $50 minimum deposit
- To receive the $600 Account Opening Bonus: Offer available from November 1 – December 31, 2026, and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. Accounts are subject to approval. 1) Open a new AB&T checking account in person at an AB&T branch; AND within 90 days of account opening: 2) Have 2 direct deposits made to this account totaling at least $500; AND 3) Enroll in eStatements; AND 4) Have at least 20 debit card transactions on the account. Person to Person payments (such as Zelle) or external bank to bank transfers using the ACH network are not considered a direct deposit. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. After the qualifications have been met, we’ll deposit the bonus in your new account within 45 days. If the checking account is closed by the customer within 90 days after opening, the account will be subject to a $25 early closure fee. Eligibility may be limited based on account ownership. Offers not available to existing AB&T checking account customers, those whose accounts have been closed within 6 months or closed with a negative balance within the last 3 years. Limit one new checking account opening related bonus every two years from the last bonus payout date per customer. Limit one bonus per account and per customer. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is not available to non-resident aliens or foreign entities. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Eligible Checking Account – Totally Free Checking.
- The $150 Savings Bonus is available during the promotional period of November 1 – December 31, 2026, and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. The Savings Bonus is open to new and current AB&T consumer checking account customers who open a new savings account at AB&T that meets the following requirements: 1) Open a new AB&T Savings account; AND within the promotional period: 2) enroll in the Save Your Change program; AND 3) enroll in eStatements within 30 days of account opening. New savings accounts are subject to approval. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Fees may reduce earnings. Bank rules and regulations apply. AB&T savings accounts have a minimum balance required; fees such as service charges will apply if accounts fall below minimum. Other fees may apply; see fee schedule for details. After the qualifications have been met, we’ll deposit the bonus into your new account within 45 days. If the new savings account is closed within 90 days after opening, the account will be subject to a $25 early closure fee. Eligibility may be based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is not available to non-resident aliens or foreign entities.
Eligible Savings Accounts and Rates – Savings is $100 minimum balance savings account with a quarterly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $10,000.00 will receive an APY of 0.01%. Those with an average account balance of $10,000.01 – $25,000.00 will receive an APY range of 0.01% – 0.03%. Those with an average account balance of $25,000.01 – $50,000.00 will receive an APY range of 0.03% – 0.07%. Those with an average account balance of $50,000.01+ will receive an APY range of 0.07% – 0.25%. APY’s are accurate as of 10/19/2026. Rates on variable accounts may change after the account is opened. The bonus is not included in the Annual Percentage Yield (APY).
American Bank & Trust $100 Business Checking Bonus (Expired)
Earn a $100 bonus when you open a new business checking account and meet the qualifying requirements.
- What you’ll get: $100 bonus
- Account Type: Business Checking
- Availability: SD, MN
- Direct Deposit Requirement: No
- Credit Inquiry: Hard Pull or Soft Pull? Let us know.
- ChexSystem: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: $0
- Early Account Termination Fee: Not listed
- Household limit: None listed
(Limited time offer)
| Bank of America Business Checking ($400 or $750 bonus offer) | Chase Business Checking ($500 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| U.S. Bank Business Checking ($400 or $1200 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- American Bank & Trust is rewarding you just for opening a new checking account. Enjoy a $100 Bonus with account opening from AB&T.
- All Accounts – All accounts are subject to approval.
- Those with existing American Bank & Trust any type of business checking account do not qualify for the Bonus.
- If the checking account is closed by the customer within 90 days after opening, the account will be subject to a $25 early closure fee.
- Terms, conditions and fees for accounts, products, programs, and services are subject to change and may be withdrawn at any time prior to account opening.
- All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges.
- Contact us for applicable rate, term, or fee details.
- The Annual Percentage Yield (APY) is as follows: ???. Bank rules and regulations apply.
- Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details.
- $2 for each check book and Debit Card from another financial institution given at the time the checks/Debit cards are presented, up to $10.
- Bonus may be reported on a 1099-INT or 1099-MISC.
- Bonus will be provided within 45 days of account opening. No minimum balance is required to obtain the Bonus.
- American Bank & Trust reserves the right to end the Bonus promotion at any time.
American Bank & Trust $750 Business Checking Bonus *Expired*
Earn up to $750 bonus when you open a new business checking account and meet the qualifying requirements.
- What you’ll get: Up to $750 bonus
- Account Type: Business Checking
- Availability: SD, MN
- Direct Deposit Requirement: No
- Credit Inquiry: Hard Pull or Soft Pull? Let us know.
- ChexSystem: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: $0
- Early Account Termination Fee: Not listed
- Household limit: None listed
(Expires 08/19/2023)
| Bank of America Business Checking ($400 or $750 bonus offer) | Chase Business Checking ($500 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| U.S. Bank Business Checking ($400 or $1200 Bonus) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To receive the $100 Business Cash Back Bonus:
- 1) Open a new American Bank and Trust business checking account, which is subject to approval; AND
- 2) Make a cumulative new money deposit of at least $2,000; AND
- 3) Open 2 Treasury Service products within 60 days after opening your business account.
- After you have completed all above business checking requirements, we’ll deposit the bonus in your new account within 45 days.
- To receive the $400 Business Cash Back Bonus:
- 1) Open a new American Bank and Trust business checking account, which is subject to approval; AND
- 2) Make a cumulative new money deposit of at least $5,000; AND
- 3) Open 4 Treasury Service products within 60 days after opening your business account.
- To receive the $750 Business Cash Back Bonus:
- 1) Open a new American Bank and Trust business checking account, which is subject to approval; AND
- 2) Make a cumulative new money deposit of at least $20,000; AND
- 3) Open 5 Treasury Service products within 60 days after opening your business account.
- Offer available June 26, 2023 through August 19,2023.
- Accounts are subject to approval.
- If the checking account is closed by the customer within 90 days after opening, the account will be subject to a $25 early closure fee.
- Terms, conditions and fees for accounts, products, programs, and services are subject to change and may be withdrawn at any time prior to account opening.
- All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Ask us for details.
- Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, etc. may apply.
- See fee schedule for details.
- Fees could reduce earnings.
- Offers not available to those whose business accounts have been closed within 6 months or closed with a negative balance within the last 3 years.
- Limit one new business checking account opening related bonus every two years from the last bonus payout date. Limit one bonus per account and per customer.
- To receive the $100 Business Cash Back Bonus: 1) Open a new American Bank and Trust business checking account, which is subject to approval; AND 2) Make a cumulative new money deposit of at least $2,000; AND 3) Open 2 Treasury Service products withing 60 days after opening your business account.
- After you have completed all above business checking requirements, we’ll deposit the bonus in your new account within 45 days.
- To receive the $400 Business Cash Back Bonus: 1) Open a new American Bank and Trust business checking account, which is subject to approval; AND 2) Make a cumulative new money deposit of at least $5,000; AND 3) Open 4 Treasury Service products withing 60 days after opening your business account.
- To receive the $750 Business Cash Back Bonus: 1) Open a new American Bank and Trust business checking account, which is subject to approval; AND 2) Make a cumulative new money deposit of at least $20,000; AND 3) Open 5 Treasury Service products withing 60 days after opening your business account.
- To receive these bonuses, the enrolled account must not be closed or restricted at the time of payout.
- If the checking account is closed by the customer or American Bank & Trust, within six months after coupon redemption, we will deduct the bonus amount for that account at closing.
- Eligibility may be limited based on account ownership. American Bank & Trust reserves the right to withdraw this offer at any time without notice.
- Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 104-S, if applicable.)
- APY’s are current as of January 9, 2023 and are subject to change after account opening.
How To Waive Monthly Fee
- Totally Free Checking: No monthly fee
- Relationship Checking: No monthly fee
- High Interest Checking: Only $5 monthly charge if minimum balance falls below $1,500
- Totally Free Business Checking: No monthly fee
- Business Checking: No monthly fee
- Business Interest Checking: No monthly fee
- Non-profit & Organization Checking: No monthly fee
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Bottom Line
If you live near an American Bank & Trust location, you have the opportunity to earn generous bonuses. To earn these bonuses, simply open the eligible accounts and follow the procedures and the bonuses shall be granted!
Although you can earn a generous bonus from American Bank & Trust, check out our list of bank promotions for more offers. With fantastic offers such as Money Market and CD rates, you are able to get the most out of your banking experience!
Compare American Bank & Trust Promotions with other bank bonuses from banks like U.S. Bank, Citi, Huntington, HSBC, Chase, TD Bank, Axos Bank, PNC Bank, BMO, SoFi, and more!
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