Personal Checking Hero

PERSONAL CHECKING

Whether you're upgrading your account or opening a new one, we're here to help you reach your goals.

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SUPERSMART eCHECKING

Our very best high interest checking account. It's a 'super smart' choice for those who want a high yield checking account, use a debit card, and want full access to their funds.

current tier and apy rates

QUALIFYING STANDARDS

  • Minimum of 25 debit card transactions per statement cycle*
  • One direct deposit or direct payment (ACH) per statement cycle
  • Receive monthly e-Statements

ACCOUNT BENEFITS

  • Anywhere banking tools**
    - Online banking, mobile bill pay, debit card and e-Statements

  • Full access to BaZing benefits

  • If you qualify you receive:
    - Qualifying APY† based on account balance
    - Waived service fee for the statement cycle
    - Refunds of ATM fees (up to $10 per month)††

  • If you don't qualify you still receive:
    - Non-Qualifying APY†
    - All BaZing benefits listed above

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*Minimum of 25 debit card transactions per statement cycle. Transactions must post within the statement cycle to qualify. ATM transactions do not qualify.
**Message and data rates may apply. 
†Annual Percentage Yield (APY) effective June 1, 2026. If eligibility requirements are not met, rate will convert to a .50% APY base rate on all balances. Rates are subject to change at any time.
††ATM fee refunds will not be provided for cycles that the qualifications are not met.

GOSMART CHECKING

The perfect account if you're looking for a checking account with the opportunity to access additional benefits.

  • Full access to BaZing benefits
  • $8 monthly service charge

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GOSMART 50 CHECKING

For those 50 years of age and older who prefer to write checks.

  • Enjoy a competitive interest rate on your checking account
  • Full access to BaZing benefits
  • $6 monthly service charge

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eCHECKING

An environmentally friendly choice for customers.

  • $6 monthly service charge - waived with enrollment in eStatements

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INTEREST CHECKING

Tiered interest rate based on account balance.

  • $10 monthly service charge - waived if balance remains over $1,500
  • $1,500 minimum to open

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PREMIER CHECKING

Tiered interest rate based on account balance.

  • $10 monthly service charge - waived if balance remains over $2,500
  • $2,500 minimum to open

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Investment Products are:

NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE

Routing Number 104113958

NMLS# 469371

800.422.3488

©2026Adams Bank & Trust

info@abtbank.com
PO Box 720 315 N Spruce St Ogallala, NE 69153

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You are navigating to an external website. Please be advised that you are leaving the Adams Bank & Trust website. Adams Bank & Trust does not control the content of third party websites and cannot guarantee the products and services provided on these websites are insured by any federal government agency.