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Free Checking

Designed simply with you in mind.

Are you wanting control of your finances and easy access to your money? Whether you’re starting out on your financial journey or just want to keep it simple, our Free Checking account is the right choice for you.


Gold Checking

Giving you the power to boost your account balance.

Are you looking to earn interest while you manage your money? With a balance of at least $2,500, you can earn a little extra as you reach your financial goals. This is a great account to fit your lifestyle with a competitive tiered interest rate.


*On average daily balances of $2,500 or more
**Subject to approval

Regency Checking

Enjoy the benefits of all of your hard work with an account that entitles you to so much more than basic checking.

If you’re 50 years old or better, you are rewarded with interest-bearing checking and no service charges just by maintaining the minimum balance.* And with free online banking and ATM usage within our network, you get more of what you deserve. Sign up today!

*On average daily balances of $1,200 or more
**Subject to approval

FREEDOM High Yield Savings

Stay Liquid. Have Freedom.

With a minimum to open of $25,000 – enjoy a higher yield with the FREEDOM High Yield Savings Account.

4.27% APY* with a minimum $25,000 Average Daily Balance.


  • Free Online and Mobile Banking
  • Competitive interest, rewarding large balances with higher rates
  • No Monthly Account Maintenance Fee
  • Save paper and avoid fees by enrolling in e-Statements
  • $25,000 minimum deposit to open
  • Deposit additional funds into your account with direct deposit, wire transfer, or mail us a check.

Detailed Information

  • Rate and APY* are accurate as of August 1, 2023 and subject to change without notice.
  • The rate may change after the account is opened.
  • Fees may reduce earnings.
  • You must maintain an Average Daily Balance with a minimum of $25,000 to obtain the disclosed Annual Percentage Yield.  An Average Daily Balance below $25,000 will not earn interest.
  • A $5 paper statement fee will apply if the account is not enrolled in e-Statements through Online Banking.
  • Withdrawals are generally limited to six (6) per month.
  • Interest will be compounded and credited to your account on a monthly basis.  If you close your account before interest is credited, you will not receive the accrued interest.
  • We use the Average Daily Balance method to calculate interest on your account.  This method applies a periodic rate to the Average Daily Balance in the account for the period.  The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
  • No ATM or debit card allowed on this account.

*Annual Percentage Yield


Regular Savings

Our Regular Savings account is the first step to building your financial future. It’s easy to get started — all you need is $25 to open.

Enjoy the convenience of free online banking and mobile banking, so you can quickly access your funds when you need them. And best of all, you will have the security of knowing that you can deal with anything life throws at you.


  • Set aside for something specific or simply a rainy day
  • Competitive interest on entire balance
  • Avoid the $1 quarterly maintenance charge by maintaining a $25 minimum average daily balance
  • Limit of 6 transfers each calendar month.
  • $25 minimum deposit to open
  • Includes many of the benefits of a checking account

**Subject to approval

Platinum Savings

It’s always a good time to save. But when it’s time to get more from your savings account, our Platinum Savings will get you there!

With a higher minimum to open — $5,000 — a Platinum Savings account gets you more interest than a basic savings account. Plus, enjoy free account management tools such as online banking and mobile banking.


  • Set aside for something specific or simply a rainy day
  • Competitive tiered interest, rewarding larger balances with higher rates
  • Avoid the $1 quarterly maintenance charge by maintaining a $25 minimum average daily balance
  • Limit of 6 transfers each calendar month.
  • $5000 minimum deposit to open
  • Includes many of the benefits of a checking account

*Subject to approval

Certificates of Deposit (CDs)

Have longer-term goals? Or do you simply want to earn more on your savings? Either way, A Certificate of Deposit from ONE AMERICAN BANK, with multiple terms that suit your goals, will get you there.

Start earning interest today without having to worry about maintenance fees that limit your returns. Just lock your fixed rate and watch your savings grow!


  • Multiple terms available, ranging from 3 months to 5 years
  • Fixed interest rates — higher than regular savings
  • Receive an even higher rate by selecting a longer term
  • A lower-risk investment
  • No maintenance fees
  • Substantial penalty for early withdrawal
  • Refer to Rate Sheet for minimum deposit to open
  • FDIC insured

Individual Retirement Accounts (IRAs)

We know you’ve worked hard—make your earnings work even harder in the future. Much more than saving for a rainy day, an IRA from ONE AMERICAN BANK is a safeguard for your golden years.

Enjoy peace-of-mind with a competitive interest that grows with you — year after year. With two options that both offer significant tax benefits,* you simply can’t go wrong.


  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • Annual contribution limits apply
  • Additional “catch-up” contribution allowed for ages 50+ (see current contribution limits from the IRS)
  • $50 minimum deposit to open
  • Funds can be used to purchase Certificates of Deposit (CDs) within IRA
    • See CD minimum deposit requirements.

Traditional vs. Roth

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 ½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70 ½

Roth IRA

  • Income limits to be eligible to open Roth IRA*
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59 ½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

*Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.

Personal Loans:

From time-to-time, we all need a little help. Why not rely on your friends from your local ONE AMERICAN BANK? Consider a loan from ONE AMERICAN BANK to be your helping hand for whatever you need.

From vehicle repairs, to family vacations, we are there for you. And because all decisions are made locally, you can expect a quick answer too.


  • Affordable financing for almost any need:
    • Take a much-needed vacation
    • Consolidate debt
    • Begin a personal project
    • And more
  • Secured and unsecured options available
  • Competitive rates
  • Terms tailored to your specific needs
  • Easy application process
  • Local processing and decision-making
  • Detailed, attentive service from start to finish


Auto Loans:

Debating on that new car upgrade? If you have to take your car in for more repairs, it may be time to get a new set of wheels. We have low rates on new or used cars and trucks. Our friendly lenders will work with you to secure terms customized to your unique situation.

Swing by a convenient ONE AMERICAN BANK branch to get pre-approved before heading out to the dealership. Or refinance your current loan for a lower rate and save money on your payments.


  • Financing for new or used cars and trucks
  • Competitive low rates
  • Get pre-approved for better bargains
  • Refinance for a lower rate
  • Terms tailored to your specific needs
  • Easy application process
  • Local processing and decision-making
  • Detailed, attentive service from start to finish

ID TheftSmart

ID TheftSmart helps you stop fraud in its tracks. Easily monitor your credit with automatic notifications regarding new account openings, credit inquiries, payment delinquencies, and more. If fraud occurs, licensed ID TheftSmart investigators make it their personal mission to restore your identity as quickly as possible.

Avoid becoming one of the 10 million Americans that fall victim to identity theft each year. Contact a ONE AMERICAN BANK representative to safeguard your identity today!


Credit Monitoring notifies participating consumers of activity in their credit file. An alert is provided when any one of the following activities is reported:

  1. New accounts openings
  2. Credit inquires
  3. Payment delinquencies
  4. Public record changes
  5. Change of address

The Credit Monitoring service, provided by Kroll Advisory Solutions, allows consumers to identify inaccuracies in credit data being reported by creditors. It also offers consumers early detection of potentially fraudulent activity in their credit file. In addition, consumers have access to trained credit specialists to answer any data questions over the phone on their monitoring report. The credit specialists act on the behalf of the consumer and can submit disputes to credit reporting agencies. Credit monitoring can save valuable time and the frustration that can follow.

Protect yourself today by signing up for Credit Monitoring!

ID Theft Statistics:

The Federal Trade Commission (FTC) estimates that as many as 13 million Americans have their identities stolen each year. Last year in the United States, someone was victimized by identity theft every 2 seconds. Over 2 million identity theft and fraud complaints during 2013: 55% fraud complaints, 14% identity theft complaints and 31% other.

Misuse of identity theft victim’s information:

  • Government documents/benefits fraud (34%) was the most common form of reported identity theft, followed by credit card fraud (17%), phone or utilities fraud (14%), and bank fraud (8%). Other significant categories of identity theft reported by victims were employment related fraud (6%) and loan fraud (4%).
  • Over one million complaints were fraud related. Consumers reported paying over $1.6 billion in those fraud complaints; the median amount paid was $400. 61% percent of the consumers who reported a fraud related complaint also reported an amount paid.
  • The Consumer Sentinel Network reported that identity theft was the number one complaint category for 2013 with 14% of the overall complaints.


Health Savings Account (HSA)

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Many American adults will struggle to pay their medical bills this year, but you don’t have to. With an HSA, you can save pre-tax, and also earn interest above standard savings.

An HSA offers you the freedom to use your funds for any number of medical expenses, as long as they qualify. Get peace-of-mind knowing you’ll be financially ready for the unexpected. Talk to our friendly experts today!


  • Greater personal control over healthcare management and expenses
  • Prepare for qualified medical expenses
  • Earn interest above standard savings rates on entire balance
  • An HSA provides triple tax savings:
    • Tax deductions when you contribute to your account
    • Tax-free earnings through investment
  • Tax-free withdrawals for qualified medical, dental, vision expenses, and more*
  • Contributions are tax-free and can be made by you, your employer, or a third party
  • Funds can be withdrawn at any time**
  • No monthly service fee
  • No minimum balance requirements
  • Unused funds remain in account year after year; no “use it or lose it” policy
  • Keep your HSA in your name, regardless of career or life changes
  • Federally insured by FDIC
  • No minimum deposit to open

How It Works:

An HSA is a tax-advantaged medical savings account that works in conjunction with a high deductible health plan (HDHP).

You can use HSA dollars to help pay your health insurance deductible. Once the deductible is met, your insurance will start paying. Money left in your HSA account earns interest and is yours to keep.

And don’t forget, HSA dollars can also go to other qualified medical expenses, such as vision or dental care, without any tax penalties.



Most adults under 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Please contact your tax advisor for further eligibility requirements.

*Consult a tax advisor.

**You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 20% penalty.

Home Equity Line of Credit (HELOC)

Your home is more than just a home — it is an investment of your time, money, sweat, and tears. Fortunately, a home equity line of credit makes it all worth it. Don’t wait to pay for the things you need — that home improvement, wedding, vacation, or medical emergency.

Home equity lines of credit offer lower rates than most consumer loans — plus the interest may be tax deductible.*   You can rely on repayment that is in line with your unique situation.


  • Secured by the existing equity in your home
  • Available for a wide range of short-term or one-time needs:
    • Home improvements
    • New vehicles or vehicle repairs
    • And much more!
  • Revolving credit – available balance replenishes as you make payments
  • The interest paid might be tax deductible*
  • Only pay interest on the part that you use
  • Terms tailored to your specific needs
  • Local decision-making and processing
  • Detailed, attentive service from start to finish

*Consult a tax advisor.

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Today's Date

September 25, 2023