Online Banking

Personal Savings

Call us or visit one of our offices today to speak with a Personal Banking Representative about opening a savings account that will help you invest in your future.

1Annual Percentage Yield (APY) accurate as of April 1, 2019. Minimum balance to open and earn APY is $2,500.00. An interest rate of .19% will apply to the balance over $1,000,000.00. Total APY will vary depending on the balance. For example, a balance of $2,500,000 would yield an APY of 1.11%, and the advertised APY of 2.50% is only paid on the first $1,000,000.00. For existing clients, 10% of opening deposit must be new money. Interest rate guaranteed until 5/31/2020 and then may change to rates in effect at the time for money market accounts. Fees may reduce earnings. We reserve the right to limit acceptance of deposits greater than $1,000,000.00. Product open to consumer accounts only.



Pan American Bank & Trust’s new Relationship Savings™ can help you save more with a higher interest rate.

  • No Minimum Balance Fee
  • Free Online Banking
  • Free Mobile Banking
  • Free Bank By Phone

Statement Savings

A convenient and flexible savings account with the following features:

  • Only $100 to open this account
  • Low minimum balance of $100
    • Only $8 monthly fee if you fall below the minimum balance
  • ATM Card
  • Interest compounded and credited to your account monthly

Minor Savings

A great savings account for kids learning to save or parents looking to put aside money for their child's future. This account features:

  • Only $5 to open this account
  • No minimum balance
  • No monthly fee
  • Interest compounded and credit to your account monthly

Certificates of Deposit

A great way to maximize your interest return while allowing you to invest funds in a safe, low cost option with the following great advantages:

  • Only $1,000 to open this account
  • Multiple terms and rates available to meet your financial needs
  • 10-day grace period after maturity to ensure you have time to evaluate your options
  • No monthly service fee

Individual Retirement Accounts

An account that allows you to plan for the future you have always dreamt of. This account features:

  • Only $1,000 to open this account
  • Traditional and Roth types available
  • Multiple terms and rates
  • No monthly service fee
  • No early withdrawal fee after age 70 ½