Our platform is fast
We keep your data secure
Enjoy hassle-free use
Fund your account in minutes via ACH transfer, wire, debit card, or supported cryptocurrency. Every deposit is protected by 256-bit TLS encryption and credited to your Primary Wallet in real time. Minimum deposit $10. No monthly maintenance fees. No hidden charges.
Build lasting wealth through our Deposit Pension Scheme. Contribute from $25 per month, choose a 12, 24, or 36-month term, and earn up to 6.5% per annum. Interest accrues on your running balance and matures with your principal at the end of your term.
Lock in a guaranteed rate and watch your money grow with zero market risk. Choose from 90-day, 180-day, or 12-month terms at rates up to 8.5% p.a. Compounding available on longer-term plans. Minimum deposit from $1,000.
Move money anywhere with near-instant settlement. American Heritage Bank supports ACH, SWIFT wire, and crypto-to-bank payouts. Full audit trail on every transaction. Competitive FX rates on international transfers. Daily transfer limit up to $25,000.
Access your funds on your schedule — no lock-ins on your Primary Wallet balance. Withdraw to your linked bank via ACH within 1–3 business days, or use same-day wire for qualifying amounts. Crypto wallet withdrawals also supported.
Turn your network into passive income. Share your unique referral link and earn a $10 bonus for every verified member who joins, plus 5% commission on their deposits — credited instantly to your Profit Wallet with no cap on referrals.
Move money anywhere in the world with competitive exchange rates and fully transparent fees. Supports ACH, SWIFT wire, and crypto-to-bank payouts. Schedule one-time or recurring transfers. Every movement is tracked in your transaction history with real-time status updates.
Access financing when you need it most. Personal loans from $500 to $25,000 with monthly installment rates from 0.74%. Business credit lines up to $250,000 for registered account holders. Fast approval, clear terms, automatic repayment scheduling, and no prepayment penalties.
Pay utility bills, subscriptions, and service providers directly from your dashboard. Set up one-time or recurring payments with instant confirmation on each transaction. Supports major US and international service providers. Never miss a payment with automated scheduling.
Choose a Plan
Interest Rate :
5.00000000%
Number of Installments :
12
Per Installment :
$25
Installment Slice :
30 Days
All Deposits :
$300.00
Final Maturity :
$315.00
Interest Rate :
6.00000000%
Number of Installments :
24
Per Installment :
$100
Installment Slice :
30 Days
All Deposits :
$2400.00
Final Maturity :
$2544.00
Interest Rate :
6.50000000%
Number of Installments :
36
Per Installment :
$500
Installment Slice :
30 Days
All Deposits :
$18000.00
Final Maturity :
$19170.00
Lock In Period :
90 Days
Get Profit Every :
90 Days
Profit Rate :
6%
Minimum FDR :
$1000.00
Maximum FDR :
$100000.00
Compounding :
No
Cancel In :
30 Days
Lock In Period :
180 Days
Get Profit Every :
180 Days
Profit Rate :
7.5%
Minimum FDR :
$2500.00
Maximum FDR :
$250000.00
Compounding :
Yes
Cancel In :
45 Days
Lock In Period :
365 Days
Get Profit Every :
365 Days
Profit Rate :
8.5%
Minimum FDR :
$5000.00
Maximum FDR :
$500000.00
Compounding :
Yes
Cancel In :
60 Days
Minimum Loan :
$500.00
Maximum Loan :
$5000.00
Installment Rate :
0.74%
Installment Slice :
30 Days
Total Installment :
12
Minimum Loan :
$5000.00
Maximum Loan :
$25000.00
Installment Rate :
0.88%
Installment Slice :
30 Days
Total Installment :
24
Minimum Loan :
$25000.00
Maximum Loan :
$250000.00
Installment Rate :
1.00%
Installment Slice :
30 Days
Total Installment :
36
Everything You Need to Know
American Heritage Bank uses a dual-wallet structure to keep your finances organized. Your Primary Wallet holds funds available for everyday transactions — deposits, transfers, bill payments, and withdrawals. Your Earnings Wallet is a separate balance where all passive income is automatically credited, including interest from DPS and FDR plans, loan repayment bonuses, and referral commissions. You can transfer funds between your two wallets at any time or withdraw from either wallet directly. This separation helps you clearly track your spending versus your growing savings.
Yes. In addition to automated electronic funding methods, American Heritage Bank supports manual deposits for members who prefer to initiate payments outside the platform. To submit a manual deposit, navigate to the Deposits section of your dashboard, select Manual Deposit, and follow the on-screen instructions to submit your payment reference or confirmation. Our operations team reviews and credits confirmed manual deposits within one business day. Supported manual deposit channels include domestic bank wire transfer, ACH push transfer, and certified check.
To initiate a withdrawal, navigate to the Withdraw section of your dashboard, enter the amount you wish to withdraw, and select your preferred method. Available withdrawal methods include ACH bank transfer (1–3 business days), domestic wire transfer (same-day for requests submitted before 2:00 PM EST on business days), and supported cryptocurrency payout. A minimum withdrawal of $10 applies. Daily and monthly withdrawal limits are determined by your account tier and KYC verification status. Withdrawals are subject to standard fraud screening. You will receive an email confirmation once your withdrawal has been processed.
American Heritage Bank operates a tier-based account system that rewards active and growing members with enhanced benefits. Your tier is automatically evaluated based on three factors: your total deposited volume, the number and value of active investment products (DPS, FDR, loans), and your overall account tenure. Tier upgrades are processed automatically at the end of each billing cycle when qualifying thresholds are met. Higher tiers unlock increased daily withdrawal limits, access to premium interest rates on new plans, priority customer support, and eligibility for exclusive loan products. You can view your current tier level, progress toward the next tier, and the specific benefits of each tier from the Account Settings section of your dashboard.
The American Heritage Bank referral program allows verified account holders to earn ongoing commissions by introducing new members to the platform. Every verified account receives a unique referral link that can be shared via email, social media, or direct message. When a person registers using your link and makes their first qualifying deposit, a commission is automatically credited to your Earnings Wallet — no manual claim required. Our program operates on a multi-level structure, meaning you can also earn from the successful referrals made by people you referred. There is no cap on total referral earnings, and commissions are paid out indefinitely for as long as referred members remain active. Full details of commission rates and tier levels are available in the Referral section of your dashboard.
Built on Trust. Driven by Innovation.
Every transaction is processed the moment you initiate it. No batch delays, no end-of-day settlements. Funds arrive fast — whether you are paying a bill, sending money, or making an investment.
Your account is protected by 256-bit SSL encryption, two-factor authentication, and 24/7 automated fraud detection. We apply the same security standards used by leading financial institutions worldwide.
Our dashboard is designed to be simple without being limiting. Manage deposits, track investments, initiate transfers, and review your full transaction history — all from one clean, responsive interface.
A real person is always available. Our dedicated support team is on standby around the clock via live chat, email, and phone. Most issues are resolved within the same session — no ticket queues, no runaround.
Open a free account in under three minutes. No credit check. No paperwork. No branch visit required. Start with $10 and access the full power of American Heritage Bank — savings plans, fixed deposits, loans, and instant transfers — from the moment your account is funded.
Open Your Account