Select the account type that best fits your financial goals. You can always open additional accounts later.
Checking
Everyday spending, bill pay, and debit access with no monthly fees.
No Monthly Fee
High-Yield Savings
Grow your money with a competitive 4.75% APY and no lock-in period.
4.75% APY
Certificate of Deposit
Lock in a fixed rate for 12 or 24 months and earn up to 5.25% APY.
Up to 5.25% APY
Money Market
High liquidity with 4.40% APY. Write checks and transfer freely.
4.40% APY
Business Checking
Designed for businesses of all sizes. Includes merchant services access.
Business
Youth Savings
Start building good habits early. For kids under 18, no minimum balance.
Ages 0–17
Step 2 of 4
Personal information
We're required by federal law to verify your identity. Your information is encrypted and never shared.
Required
Required
Enter a valid email
Required
Required
Required
Required
Required
Enter a valid ZIP
Enter a valid SSN
Your SSN is used solely to verify your identity and comply with federal banking regulations (USA PATRIOT Act). It is encrypted end-to-end and never stored in plain text.
Step 3 of 4
Fund your account
Make an initial deposit to activate your account. You can add more funds at any time after opening.
Bank Transfer (ACH)
Link an existing bank account. Free, arrives in 1–3 business days.
Debit Card
Instant funding with your debit card. No credit cards accepted.
Wire Transfer
Same-day funding for large amounts. Bank fees may apply.
Mail a Check
Send a check to our processing center. Takes 5–7 business days.
$
Minimum opening deposit: $25 for Checking · $1,000 for Savings & Money Market · $5,000 for CDs
Step 4 of 4
Review & submit
Please read our account agreements and confirm your information before submitting.
American Capital Bank & Trust — Deposit Account Agreement
By opening an account, you agree to the following terms and conditions. This Agreement governs the deposit account(s) you open with American Capital Bank & Trust ("the Bank"). You authorize the Bank to verify your identity and credit history. Accounts are insured by the FDIC up to $250,000 per depositor, per ownership category. You agree not to use your account for unlawful purposes. The Bank reserves the right to close any account that violates these terms. Interest rates on variable-rate accounts may change at any time without notice. For fixed-rate accounts (CDs), the rate is locked for the stated term. Early withdrawal penalties may apply. Electronic statements will be provided unless you opt for paper. You consent to receive communications from the Bank electronically. This Agreement is governed by the laws of the State of Delaware. Additional disclosures including our Privacy Policy and Fee Schedule are available at americancapitalbank.com/disclosures. For questions, contact us at 1-800-555-0100.
Welcome to American Capital!
Your account has been successfully opened. Your new account number is:
AC–0000–0000
A confirmation email has been sent to your address. Your debit card will arrive within 5–7 business days.