Frequently Asked Questions — American Heritage Bank

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.