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American Bank & Trust

Pocket Change

Your Digital Change Jar

Remember when we paid for everything with cash?

At the end of the day, we'd come home, dump all that change into a bowl or jar and watch it pile up day after day. Eventually, you'd cash it all in and end up with a nice little sum. How much cash do you use today? Us too, and we miss that little extra savings boost. That's why we created Pocket Change. Think of Pocket Change as your digital change jar.

For each purchase you make with your American Bank & Trust, N.A. debit card, we'll round it up to the nearest whole U.S. dollar and transfer the rounded-up amount (between $0.01 and $0.99) from your checking account to another account of your choice (checking or savings). Neat, right?

To sign up, contact us or visit a branch.



Not convinced yet?

Let’s look at a typical day’s potential savings. We call this the After Work Rush:

You stop to fill your tank after work: $32.33, while you're waiting for the tank to fill up …

you decide to do some online shopping and buy a new pair of work shoes: $42.60, you forgot you need groceries: $75.50, and after all that you're certainly not going to want to cook, so you pick up a pizza for dinner: $20.25.

By the time you get home, you've banked $2.32 in savings. If this were similar for each workday (5 days a week) with 52 work weeks, you'd have a savings of $603.20 by the end of the year.

What you choose to do with that money is up to you. Spend it all on groceries and gas, transfer it to a child's college savings account transfer it to a Money Market, or invest in that tasty local pizza shop.



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. Green Ph.1s 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.


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. 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 “Pocket Change Withdrawal”.


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 your 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 your checking account.


  • A Pocket Change Savings transfer will not be made if the purchase consists of a whole dollar amount, e.g., $5.00.
  • If your purchase is canceled or reversed for any reason (including disputes), the corresponding Pocket Change Savings transfer will not be reversed.
  • HSA and business debit cards cannot be enrolled In the Pocket Change Savings Program.

Enrolled American Bank & Trust, N.A. debit cards, checking accounts and savings accounts will be subject to all existing requirements and limitation for accounts of that type. American Bank & Trust, N.A. reserves the right


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Looking for More Ways to Save?

Check out our free online financial wellness site. You can explore possibilities, get answers to questions, educate the whole family, make plans, and see how change affects your bottom-line.

Let's go!