You must have an open and active consumer American Bank & Trust. NA debit card, and two consumer deposit accounts consisting of any of the following: iCan checking, Preferred Plus checking, Green Plus Bonus checking, 55 Plus checking, a Money Market account, High Yield Money Market account or a consumer savings account to be eligible for the Pocket Change Savings Program and the Pocket Change Charity Donation Program.

You may enroll/unenroll in Pocket Change at any time with a bank employee at any branch location or over the phone. Participation in the program is at the account level, which means all debit cards associated with the checking account will be part of the program. You cannot enroll or remove individual debit cards associated with your checking account. If you enroll and later receive a new debit card due to your card being lost, stolen, or reissued, your participation in the program will continue.

Following enrollment in the Pocket Change Savings Program or Pocket Change Donation Program, each purchase made by you with your American Bank & Trust. NA debit card will be rounded up to the neatest whole U.S. dollar. The round us> amount (between S0.01 and $0.99) will transfer from your checking account to another designated checking or savings account of your choosing. This transfer is referred to as a “Auto Pocket Change Withdrawal”. Pocket Change Charity Donation Program: every month-end, on the last day of the statement cycle, the aggregate Pocket Change Savings for the month will be transferred to the designated charitable fund.

Any signature purchase or Personal Identification Number (PIN} purchase transaction made using an American Bank & Trust, NA Visa debit card, including in person, online, and Mobile Wallet transactions.

Any cash withdrawal from an ATM or over-the-counter cash withdrawal: bill payment transactions using Online Banking; cash back received at a point-of-sale device; Online Banking transfers between checking and savings; and electronic one-time or recurring ACH debit transactions.

American Bank & Trust. N.A. will aggregate the round-up from each American Bank & Trust. NA. Visa debit card purchase that posts to your checking account each day and make a single transfer to the elected checking or savings account the following business day. Transfers will only take place if there are available funds in the customer's checking account prior to the transfer occurring. If a transfer is cancelled on a certain business day because funds are not available, Pocket Change transfers will resume on the next business day funds are available in the customer's checking account. 

Pocket Change Charity Donation Program: every month-end, on the last day of the statement cycle, the aggregate Pocket Change Savings for the month will be transferred to the designated charitable fund. Near the end of a calendar year, we will send you a statement that lists the total of the rounded up amounts donated to your designated charity, provided the total amount of all Auto Donation amounts equals or exceeds $10.00.

Enrollment in the auto-save feature is not required to set a fixed monthly donation to a designated charity. To qualify for fixed donations, you must have an open and active deposit account with American Bank and Trust in any one of these account types: iCan checking, Preferred Plus checking, Green Plus Bonus checking, Green Plus checking, 55 Plus checking, Mint Checking, Edge Checking, a Money Market account, High Yield Money Market account or a consumer savings account. The designated amount will be transferred from the designated account to the selected charitable donation fund monthly on the last day of the statement cycle.  Near the end of a calendar year, we will send you a statement that lists the total amount donated to the designated charity, provided the total amount equals or exceeds $10.00.