All America Bank


Overview / Commentary
405-376-2265
200 South Rockwell Avenue
Oklahoma City, OK 73128

All America Bank is headquartered in OKLAHOMA CITY and is the 38th largest bank in the state of Oklahoma. It is also the 1,473rd largest bank in the nation. It was established in 1969 and as of March of 2024, it had grown to 115 employees at 7 locations. All America Bank's money market rates are 11X the national average, and it has a B+ health rating.

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Good Bank.

Posted by: |

I've had an account with them for 5+ years. No real problems. They answer their phone promptly during business hours and are kind and helpful. Their interest rates are usually better than 90% of other banks and I've never had to deal with any unreasonable restrictions. They aren't always the rate leader but are often pretty close. I keep an account open with them for the times it makes sense to park money there.

Zero Complaints So Far!

6 months ago I decided to open AABank's mega money market checking acct for quite a few reasons: their rates seemed to stay consistently in the top tier compared to other big names, new/higher rates are applied automatically to existing accounts (no need to call and ask for the new rate or to make a new account each time), I liked the idea of real people answering the phone whenever I called (during business hours), their reviews were above average everywhere I looked (happy customers don't seem to feel as inclined to leave reviews as UNhappy customers), there's no fees to park money for passive growth (or for 6 withdrawals per cycle), and the included debit card allowed immediate access in the event of an emergency.

Fast forward to now and I can honestly say I have no complaints thus far. Opening the account was simple enough and it was fully functional within a week. I treat it like a standard savings account so the transfer limits don't really bother me and I still have a checking account with my old bank that I use to initiate transfers in and out of which shortens the transfer time to 24 hrs or less. The website isn't super fancy but it does exactly what I need it to do without lagging or crashing and I can login with my fingerprint so accessing my account is an absolute breeze.

There was one time I had a question that I couldn't find the answer to online so I called one of their brick and mortar locations (in Oklahoma I think) and a real live person answered the phone immediately without the usual 10-minute menu BS! She was pleasant and personable, answered my question directly without transferring me or putting me on hold for an hour, and I didn't get the feeling that she was rushing to end the call! With online bank accounts like this that hold a large part of my savings, that kind of service really matters to me.

They may not be the right fit for everyone, but they've been great for my needs and I would highly recommend considering them before you look elsewhere.

Almost An Excellent Bank

Posted by: |

The only thing this bank needs is like many other online banks, it needs a better website. Customer Service is excellent, they actually have humans who work here.

*****12/21/22 Rate Increase ***** 4.25/4.5%

Posted by: |

Now you’re talkin’! Yippee!

Rewards checking: 4.5% ($15K max, 10 debits)

Mega Money Mkt: 4.25% ($75K cap)

Per website.

NOTE: Today’s (1/5/23) Treasury auction result of 4.52% for the 8 week bill suggests to me that the chances are quite good that AA/RED rates are likely to be raised at least 1/4% on 1/21.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #20093
Year Established1969
Employees115
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD8.91%
Annual Interest Income$10.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$631.6MM$574.4MM
LoansQ1 2024vs Q1 2023$510.7MM$483.1MM
DepositsQ1 2024vs Q1 2023$568.3MM$527.7MM
Equity CapitalQ1 2024vs Q1 2023$61MM$45.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.1MM$5.6MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$8.7MM$4.1MM
Real Estate OwnedQ1 2024vs Q1 2023$131K$246K
Rates
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Always verify rates and promotions with the bank or credit union. We are not All America Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

All America Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$0-Individual Retirement Account
2.00%$0-Regular Savings

All America Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.90%*$0$100kMega Money Market Account - Online Only
OTHER TIERS: 0.50% $100k+
4.00%*$100k*-Super Savers MMDA
OTHER TIERS: 2.00% $500 - $2.5k | 2.50% $2.5k - $25k | 2.75% $25k - $50k | 3.00% $50k - $75k | 3.49% $75k - $100k

All America Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.15%*$0$15kUltimate Rewards Checking
OTHER TIERS: 0.50% $15k+
1.25%*$2.5k*-NOW Account
OTHER TIERS: 1.00% $0 - $1.5k | 1.10% $1.5k - $2.5k

All America Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-6 Month CD
4.75%$500-1 Year CD
4.75%$500-Business 6 Month CD
4.75%$500-Business 1 Year CD
4.25%$500-2 Year CD
4.25%$500-Business 2 Year CD
3.75%$500-3 Year CD
3.75%$500-Business 3 Year CD
3.49%$500-5 Year CD
3.49%$500-4 Year CD
3.49%$500-Business 4 Year CD
3.49%$500-Business 5 Year CD
Locations


All America Bank Locations
Mustang Branch44 West State Hwy 152Mustang, OK 73064
All America Bank200 S Rockwell AveOklahoma City, OK 73128
Cache Branch605 South 8th StreetCache, OK 73527
Elgin Branch8217 Us Highway 277Elgin, OK 73538
Medicine Park Branch24077 State Hwy 49Medicine Park, OK 73557
Bank Of The Wichitas Branch623 E StreetSnyder, OK 73566
Southwest State Bank Branch122 East Main StreetSentinel, OK 73664

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