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All America Bank Review

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All America Bank Savings
0.35% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


All America Bank was founded in 1969 with its headquarters in Oklahoma City, Oklahoma. All America Bank has assets of $410 million along with $337 million in deposits, ranking it as a medium-size bank. All America Bank lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Overall, All America Bank is a great choice and should warrant serious consideration, with a score of 4.4 stars out of 5 from our team. All America Bank offers a diverse array of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. All America Bank has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, the bank's most basic checking does not carry a monthly charge. Obtaining a checking account with no monthly fee and a savings account with a high interest rate at the same bank is your best bet for accruing the most income on your deposits alongside convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

All America Bank has a savings rate of 0.35%, which is fair compared to the average U.S. bank. All America Bank's one-year CD has a rate of 1.65% and the five-year CD has a rate of 2.50%, while its highest-yielding money market account has an APY of 0.45%. Given its below average savings rate, you should think about taking a look at other banks for savings accounts.

How All America Bank's Savings Rates Compare

All America Bank Savings 0.35 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

All America Bank has typically extremely low fees in comparison to other U.S. banks. With no monthly fee, All America Bank's checking account is ideal for people who need a hassle-free banking experience. All America Bank doesn't reimburse out-of-network ATM charges, meaning you will be required to search for an All America Bank ATM or eat the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

All America Bank is a brick-and-mortar bank, with seven total bank locations in Oklahoma. With mobile and web apps, All America Bank makes account access easy, even on the go. It does not provide access to all-day customer service with representatives. You can get help during its hours, which are Monday through Friday and 8:00 a.m. to 5:00 p.m. CT. All America Bank gets fair feedback from users for its mobile app. The All America Bank mobile app scored a 3.8 out of 5 (with 39 ratings on Apple and Android) compared to the national average of 3.8. All America Bank's mobile app lets you control your accounts by looking at monthly statements, sending and receiving funds and accessing support representatives. All America Bank gets an exceptional consumer satisfaction rating based on relatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.8/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

All America Bank is currently a medium-size bank and manages $410 million in assets as well as $337 million in deposits. Its Texas Ratio is 13.02%, denoting that All America Bank is in good financial health and far from failure. Additionally, All America Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare All America Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.35% APY $100
Checking Account 0.25% APY $2500
Certificates of Deposit
  • 12 Month: 1.65% APY
  • 24 Month: 1.84% APY
  • 36 Month: 2.10% APY
  • 48 Month: 2.25% APY
  • 60 Month: 2.50% APY
$500 for all terms
Money Market Account 0.35% APY $2500

All America Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. All America Bank does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. All America Bank's CD rates are fair compared to the average U.S. bank.

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Find a All America Bank Near Me

All America Bank has seven branches in the U.S.

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