Account Plans More Info Minimum Opening Balance Monthly Maintenance Interest Earned Inquire Now
Free Business Checking More» $100.00 N/A No Inquire

Free Business Checking

Banking has just become better. In this competitive climate, wise use of resources is more important than ever. We want to help by providing Free Business Checking for your small business.

  • Minimum $100.00 opening deposit
  • The first 100 debits or credits free per month* (either foreign or local)
  • Each additional item - $.30
  • Annual check card fee - $12.00
*Any combination of 100 debits, credits or deposited items per statement cycle

Business Checking More» $100.00 $6.00 No Inquire

Business Checking

  • Minimum $100.00 opening deposit
  • Monthly service charge fee - $6.00
  • Activity Fees:
    • Checks/debits - $ .12
    • Foreign items deposited - $ .08
  • Account fees may be offset by earnings credit allowance
Business Now
More» $100.00 $7.00 Yes* Inquire

Business Now

  • Designed for sole proprietorships, non-profit organizations and non-profit corporations
  • Minimum $100.00 opening deposit
  • Tiered rates to maximize interest earnings:
    • $0 - $9,999.99
    • $10,000.00 or more
      • Variable interest rates compounded monthly and paid monthly on daily collected balances*
      • Monthly service charge fee - $7.00
      • Activity Fees:
        • Checks/debits - $ .12
        • Foreign items deposited - $ .08
Commercial Interest Checking More» $100.00 $7.00 Yes* Inquire

Commercial Interest Checking

  • Minimum $100.00 opening deposit
  • Monthly service charge fee $7.00
  • Activity fees:
    • Checks/debits - $ .12 each
    • Foreign items deposited - $ .08 each
  • Designed for Corporations and LLCs
  • Variable interest rate paid monthly on a minimum $1,000 average daily collected balance*
IOLTA More» $100.00 N/A Yes* Inquire


Interest on Trust Accounts (IOLTA) is designed for lawyers and law firms.

  • Minimum $100.00 opening deposit
  • Interest is debited monthly and sent to the Oklahoma Bar Association
  • Must complete "IOLTA Notice to Financial Institution & OBA"
  • Business account relationship required
  • An Attorney at Law account with American Heritage Bank required

Health Savings Account More» $100.00 N/A Yes* Inquire

Health Savings Account

  • Minimum $100.00 opening deposit
  • One time set up fee of $25.00
  • Must be covered under a high deductible health plan (HDHP) of your choice
  • Can not be covered by any other health plan that is not an HDHP
  • Can not be enrolled in Medicare or be claimed as a dependent on another person’s tax return
  • Must provide proof of coverage with a copy of your insurance certificate or insurance card stating you qualify to have a Health Savings account
  • Variable interest rate compounded and credited monthly to your account*
  • Withdrawals by check card only
  • No checks ordered or allowed
  • No temporary checks will be issued for this account
Checkmarc Check & ACH Recovery Service More» N/A N/A N/A N/A

Checkmarc Check & ACH Recovery Service

Checkmarc is a FREE service for AHB’s commercial account holders that recovers dishonored checks and electronic payments. It eliminates the time you currently spend trying to recover dishonored checks, and makes accepting checks as safe as accepting cash or credit cards. With our free Checkmarc program, you can concentrate on your business and not collections. Checkmarc’s benefits include:

  • 100% of the face value of all recovered items
  • Email notifications of dishonored checks as well as recovered items
  • Access to a dedicated customer service team for all inquiries
  • Access to a free, password-protected check-tracking website available to them 24 hours a day, 7 days a week, and 365 days a year
American Heritage Bank is pleased to provide Checkmarc at NO COST to our commercial customers. There is no equipment to purchase or contracts to sign. Please contact one of our personal bankers at 918-224-3210 for more information.

*Rates are determined by the bank and may be adjusted at the bank's discretion. Click here to view current rates.