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Terms:

Bring all of your banking to American Trust and you can receive a Garmin nuvi navigational system. Already have an account with us? Just open the remaining services in the offer, including checking, direct deposit, one additional qualifying service, and the Points2U Rewards Debit and Credit Cards. It’s our way to thank you for entrusting your entire banking relationship with American Trust.

Limited time offer. Gift available at account opening. No minimum balance requirement. $100 minimum opening deposit. Recurring direct deposit required within 60 days to avoid $150 gift fee. Accounts closed within 12 months subject to a $150 gift fee. See a Personal Banker for qualified services. IRS 1099 issued. **Credit cards are subject to credit approval. Finance charges are assessed on cash advances from the date they are posted. Annual percentage rate is variable and subject to change quarterly and is determined by adding 5% to the NY Prime Rate as published in the Wall Street Journal. Method of computing is based on two-cycle average daily balance. $15 charged for late payment and/or over credit limit. See application for details. Annual fee for combined Points2U Rewards Credit card and Debit card is $33 after the first year. Cards must be used at least 4 times per month. Accounts closed within 12 months charged $150 gift fee.