Personal Checking Accounts

Experience Options:
Ames Community Bank's checking account options are designed to help you find an account that's right for you. Check out our personal checking options and let one of our personal bankers help you open the account that fits your individual needs.

  • Community Checking Account
  • No Check Checking
  • Community Club Checking (customers age 50 and over)
  • Community Investment Checking
  • Community Advantage Checking

Community Checking Account

This account fits almost anyone's needs. Receive many benefits such as:
  • First starter box of 25 checks free
  • No minimum balance required
  • Interest earned on a tiered level on balances $1500 and above
  • Free debit card; Free photo ID debit card available
  • Overdraft protection-link savings account to transfer funds in $100 increments when your checking falls below a set balance ($2 fee/transfer)
  • No fee on Privileged Status network ATM machines
  • Free Internet banking
  • Free online bill pay
  • Free e-statements available

No Check Checking

For those who like to do everything online, this is the account for you. Completely electronic and easy to use, plus receive many great benefits such as:
  • Cash back incentive paid after year-to-date debit card purchase reach $1000
  • Free debit card; Free photo ID debit card available
  • Receive statements online
  • Free Internet banking
  • Free online bill pay
  • No fee on Privileged Status network ATM machines
  • 2 free checks per statement cycle

Community Club Checking

If you're aged 50 or over, this account is designed for you. With this account you receive all the benefits of the Community Checking Account plus:
  • No minimum balance requirement
  • Free corporate non-duplicate checks or a $6.00 discount per box of duplicate checks
  • Unlimited check writing capabilities
  • Interest earned on a tiered level on balances $1000 and above

Community Investment Checking

This high-yield account receives all the same great benefits of our Community Checking Account, as well as:
  • Free corporate non-duplicate checks or a $6.00 discount per box of duplicate checks
  • Unlimited check writing capabilities
  • Interest earned a tiered level on balances $25,000 and above

Community Advantage Checking

This account fits almost anyone’s needs. With the ADVANTAGE unlike any checking account you’ve seen!

You can Receive the Advantage:
  • An interest rate advantage of .10% on up to 5 different bank products
  • FREE Checks - up to 2 boxes per year
  • Reduced Real Estate Closing Cost on an ACB mortgage loan
And all of the benefits of a FREE checking account, such as:
  • No minimum balace
  • Interest earned on a tiered level on balances of $1500 and above
  • FREE Debit Card; FREE photo ID debit card available
  • FREE Online Banking and Online Bill Pay
  • FREE E-statements
  • No fee Privileged Status ATM machines
  • Overdraft Protection
To receive the full Advantages listed above you must have:
  • 3 product relationships (any bank product, one Community Financial Center product and an employer relationship count toward this requirement)
  • Direct Deposit
  • Debit Card
  • Online Banking