American Bank & Trust Totally Free Checking bonus: is $500 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$500: more than leaving it at 4.15%
The math
Bonus
+$500
Extra
+$500
Get $50 in direct deposits (2+ deposits) within 90 days · Make 20 debit card purchases within 90 days · Enroll in eStatements within 90 days; open in person at an AB&T branch. Verified on the bank's page Oct 10, 2026.
About this bonus
What it takes
- 1Get $50 in direct deposits (2+ deposits) within 90 days
- 2Make 20 debit card purchases within 90 days
- 3Enroll in eStatements within 90 days; open in person at an AB&T branch
- Ends
- Oct 31, 2026
- Where
- South Dakota, Minnesota
- Monthly fee
- None
- Closing early
- $25 within 90 days
- Bonus paid
- Usually within 45 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the American Bank & Trust Totally Free Checking bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$500.
What are the requirements?
Get $50 in direct deposits (2+ deposits) within 90 days; make 20 debit card purchases within 90 days; enroll in eStatements within 90 days; open in person at an AB&T branch. Open to residents of South Dakota, Minnesota.
When does it end?
The offer ends Oct 31, 2026. The terms were last checked Oct 10, 2026.