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Offer Your Employees Special PERCs!

When you bank with us, you feel comfortable knowing that you're being taken care of. Now, you can offer your employees the satisfaction that comes along with banking with us as well. American National Bank now offers a program which allows business customers the opportunity to provide employees with a package of financial benefits, at no cost to the business.

Once your business is verified as meeting specific criteria, we will work with you to determine how to best work this employee benefit into your existing program. We would then present the program to your employees in whatever method you desire, whether it be a business fair, on your company intranet or newsletter. If your business is interested in finding out if you qualify for the PERC program, simply contact your Business or Personal Banker.

Benefits For Employees

The PERC (Preferred Employee Rewards Club) account begins with a checking account and includes additional benefits specifically designed for your employees. Please read on for more information on PERC accounts.(To be eligible for PERC, employees must be employed full or part time and must meet bank qualifications.)


Employees would choose from the one of the accounts below:

1. PERC Smart Checking

Smart Checking earns a 2.05% APY and provides great benefits like, free nationwide ATM fee refunds and no minimum balance requirement when qualifications are met each month.
To qualify each cycle, simply:
- Have at least 12 Visa Check Card purchases post and clear
- Access Personal Online Banking
- Enroll and Receive eStatements
- Have at least one direct deposit, automatic debit or bill pay clear each month


2. Smart Tunes


Smart Tunes is the fun way to bank. Earn $5 in iTunes download credits each month when qualifications are met. Get nationwide ATM fee refunds, and have no minimum balance or no monthly service fees.
To qualify simply:
- Have at least 12 Visa Check Card purchases post and clear
- Access Personal Online Banking
- Enroll and Receive eStatements

Additional PERC Benefits:


In addition to the excellent checking account your employees will receive, they will also receive several other PERC Benefits.


Free Checks
Their first order of checks (150) is provided at no charge (select styles).


Convenient Banking
- Free Online Banking and Bill Pay
- 24/7 access to all of your banking needs, and the ability to pay your bills the safe, secure way
- Over 75 ATMs and 32 locations throughout the area.

Mobile Banking & Deposits

Your smart phone lets you bank when and where it's convenient for you. Make transfers, pay bills, check your balance even sign up to make mobile deposits. It's truly banking at your fingertips.


1% Rate Reduction on Loans
Employees will receive a 1% rate reduction on all secured Home Equity or Auto Loans of $25,000 or more, with an automatic debit from their American National Bank account. (1/2% rate reduction for secured loans under $25,000 - minimum $5,000).**


Free Financial Analysis
Employees are offered a free financial analysis through our Financial Planning and Investment Department.


Free Mortgage Check Up and Closing Discount
A qualified Mortgage Representative will meet with them to determine if they can benefit from buying or refinancing a home. Plus, receive $200 off of closing costs. ***


Free Health Savings Accounts
PERC Employees who have opened a checking account and are qualified participants will receive the opportunity to open an H.S.A account and have initial set-up costs and monthly fees waived.

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To be eligible for PERC, employees must be employed full or part time and must meet bank qualifications upon application. Direct Deposit is required.

* Annual Percentage Yield (APY) accurate as of Jan 22, 2014. Minimum to open account is $100. Rate tiers are as follows: Smart Checking - 2.05% APY applies to balances of $.01 - $10,000 and .10% APY paid on balances over $10,000 as long as qualifications are met each statement cycle. Blended APY of .75% assumes a $30,000 balance. Smart Saver - will earn .20% APY on balances $.01 - $25,000 and .10% APY on balances above $25,000. Blended APY of .18% assumes a $30,000 balance. APYs are based on a compounding period of one year. An activated eStatement is a requirement and qualification for the account. If eStatements are not activated by the second statement cycle, the account will be converted to a Direct Checking Account. If you do not meet the qualifications during the monthly qualification cycle, both accounts will earn .05% APY and you will not receive ATM refunds for that time period. Rates are subject to change. Smart Tunes - No minimum balance required; however you must deposit a minimum of $100 to open the account. Earn iTunesĀ® download refunds up to $10.00 with initial account opening regardless of qualifications. Earn up to $5 in iTunes download refunds each cycle the minimum qualifications are met. Downloads must be purchased with your check card associated with your Smart Tunes account. An activated eStatement is a requirement and qualification for the account. If you do not meet the qualifications per cycle, your account will still function as a free checking account; however, it will not receive ATM refunds or iTunes refunds for that time period. iTunes is a registered trademark of Apple, Inc. Apple Inc. is not a participant in or sponsor of this program. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. Fees may reduce earnings. Available on personal accounts only. Limit one account per customer. Online banking sign-on qualification valid only through personal Online banking. ATM fee refunds up to $5 per transaction. Refund includes Bank waived foreign ATM fee of $2, plus an additional refund up to $3 or ATM surcharges applied by other institutions.

** Rate reduction not applicable with any other rate discounts or special offers.

*** Closing Cost offer does not apply to NIFA loans, or in conjunction with any other coupons or discounts. Must have or open an American National checking account and present proof of employment to receive PERC discount.


 

 

 
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