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. Smart Checking
Smart Checking earns a 2.75% 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
2. Smart Checking Plus Smart Saver
Combine the benefits of Smart Checking Plus Smart Saver and start saving! Meet the qualifications for Smart Checking each month and the interest and ATM fee refunds will automatically be transferred to the Smart Saver account, helping them save without even trying! The Smart Saver account will earn .30% APY each cycle when qualifications are met.
3. 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.
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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* Annual Percentage Yield (APY) accurate as of October 24, 2012. Minimum to open account is $100. Rate tiers are as follows: Smart Checking - 2.75% APY applies to balances of $.01 - $10,000 and .25% APY paid on balances above $10,000 as long as qualifications are met each statement cycle. Blended APY of 1.08% assumes a $30,000 balance. Smart Saver will earn .30% APY on balances $.01 - $25,000 and .15% APY on balances above $25,000. APYs are based on a compounding period of one year. Blended APY of .28% assumes a $30,000 balance. Smart Checking Plus Smart Saver customers have elected (by product definition) to transfer interest earned on Smart Checking to Smart Saver each month, thereby eliminating the compounding factor. 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. 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. 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 based transactions do not count toward qualifying debit card transactions. ATM fee refunds up to $5 per transaction on Smart Checking. Refund includes Bank waived foreign ATM fee of $2, plus an additional refund up to $3 for ATM surcharges applied by other institutions.
** Smart Tunes No minimum balance required; however, you must deposit a minimum of $100 to open the account. Earn iTunes® 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. 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. 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.
Available on personal accounts only. Limit one account per customer. Online banking sign-on qualification valid only through personal online banking. ATM based transactions do not count toward qualifying debit card transactions. ATM fee refunds up to $5 per transaction are provided only if qualifications are met during the monthly qualification cycle. Refund includes Bank waived foreign ATM fee of $2, plus an additional refund up to $3 for ATM surcharges applied by other institutions. iTunes is a registered trademark of Apple, Inc. Apple Inc. is not a participant in or sponsor of this program.
*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.
