AmTrustDirect.com is the online-only division of AmTrust Bank. It is for consumer accounts only. AmTrust Bank enjoys a rich and successful history. Founded in Cleveland, Ohio in 1889 and originally known as Ohio Savings, the bank ended its first year with one office and $20,000 in assets. We have grown to become a national presence in retail banking, mortgage and construction lending, investment and insurance services. We are one of the 20 largest mortgage lenders in the United States, and have more than $17 billion in assets.

In 1989, we purchased Palm Plaza Savings Bank in Boca Raton, Florida, and renamed it AmTrust Bank. Now, in addition to branches in the Cleveland, Akron and Columbus, Ohio markets, there are AmTrust Bank branches throughout southeast Florida. Expansion into Arizona began in 2000, when we opened our first AmTrust Bank branch in the Phoenix area. Since then, additional branches have opened in this burgeoning region, and future expansion is planned.

And in 2007, to better reflect our national presence, we changed our name corporate wide to AmTrust Bank.

Guided by sound and prudent management, we continue to be an industry leader in exceptional products and impeccable service. Throughout our history, we have been nationally recognized for our products, service and commitment to the community.

We were one of the first banks to offer convertible adjustable rate mortgages, fixed rate credit cards and a host of other products. Today, our online banking program and award winning Customer Contact Center offer 24-hour-a-day access, allowing our customers to open new accounts, get up-to-the-minute account information and more.

AmTrust Bank enjoys a rich and successful history. Founded in Cleveland, Ohio in 1889 and originally known as Ohio Savings, AmTrust Bank has grown from a local savings and loan. Today, after 118 years in business, we maintain a national presence in retail banking, mortgage and commercial/construction lending. We are on of the 20 largest mortgage lenders in the United States. Our assets are over $17 billion and our return on equity (ROE) is between 16% and 17%, making us one of the most profitable banks. We have $1.4 billion in capital and our core tangible ratio is 7.60%. AmTrust Direct division is a safe and sound financial institution. Veribanc and Bauer Financial give us their highest ratings, three green stars and Excellent, respectively.

AmtrustDirect.com offers Certificates of Deposit, or CDs, which lock in a guaranteed rate for a certain period of time, and an e-Money Market account, which is a liquid, interest-bearing account. Our branches offer some of the highest rates in the country, but you can earn even higher rates at AmTrustDirect.com. You can open an AmTrust Direct CD or e-Money Market account with a minimum deposit of $1,000. Our high-rate CDs are offered in a variety of promotional rate terms ranging from 6-months to 60-months. All deposits are FDIC insured up to $100,000.

Yes, to the maximum allowed by law. Your deposits at AmTrustDirect.com are FDIC insured up to $100,000. Individual and joint accounts are insured separately, so if you have both types of accounts with us, your total deposits can be insured up to $200,000; that�s up to $100,000 in all your individual accounts, and up to an additional $100,000 in your joint accounts. You can learn more about the FDIC and other insurance scenarios at www.fdic.gov.

AmTrust Direct�s FDIC certification number is 29776.

Opening an AmTrustDirect.com CD, e-Money Market account, or e-Savings account is quick, easy and convenient. The only requirements are a valid tax identification number, United States driver's license, United States postal address and a personal checking or savings account at a U.S. bank. In a few easy steps, you can open your account online or by phone. You do not need any special software or hardware. If you have questions, please call our Customer Contact Center at (888) 228-8146.

Our online account opening process is simple, safe, and convenient. However, if you'd prefer to open an account by phone, please call our 24 hour Customer Contact Center at (888) 228-8146.

You will need the documents and information listed below before you start the application:

• Social Security Number
• Valid Driver's License, State-Issued Identification or U.S. Passport
• Email address
• Co-Applicant information, if applicable
• Beneficiary information, if applicable (name and date of birth)
• If you decide to have the interest automatically transferred to an existing AmTrust Checking or Savings account, be prepared to provide the applicable account information (account number and account type).
• To fund your account by electronic transfer from another account, you will need to provide the 9-digit bank routing number and the account number listed on your checks or deposit slips.

The sample check below shows where routing numbers can be found on your checks.

Yes, the following eligibility requirements apply when opening and AmTrust Direct account:

• You must be at least 18 years of age to apply.
• All applications are subject to a review of past account handling and verification of the information provided.
• AmTrust verifies identification and submits new account applications to a Credit Bureau background check. By applying for a new account, each account applicant consents to AmTrust obtaining a credit report and verifying his or her background information. AmTrust reserves the right to not open an account that has inconsistencies found in the information provided on the account application, from the background check, or if substantial derogatory information exists in a credit investigation.
• AmTrust must be able to successfully process your initial deposit. You will be notified if your account request cannot be processed.

The following account types cannot be opened online: business accounts, power of attorney, accounts in the name of a trust or trustee, and accounts under the Uniform Gifts to Minors Act or similar statutes.

AmTrustDirect.com does not offer IRA CDs. IRA CDs are only available through our branches in Ohio, Florida and Arizona.

Absolutely. There is an option available in the online application process to make your initial deposit by mailing in a check. If you select this option, you will be provided with a form at the end of the application process for you to print and mail with your check. You will also receive instructions as to where to mail the check and form, and how the check should be written. Note: If you choose to mail us a check as the funds to open your CD, the opening could be delayed up to 10 business days or more due to mailing delays beyond our control.

Yes, the CD will earn interest at the APY (Annual Percentage Yield) disclosed at the time of account opening, and the rate will remain constant over the entire CD term.

Yes. Accounts, either individual or joint, with up to two beneficiaries can be opened online. You will have the opportunity to name a beneficiary during the online application process.

Opening a CD, e-Money Market account, or e-Savings account on AmTrustDirect.com is simple:

1. Complete the online application, where you will select an initial funding option. You can have the funds withdrawn from a checking or savings account as an ACH transaction, or Automated Clearinghouse transaction, which is electronic. You also have the option to send us a check for the opening deposit. We process ACH transactions faster, because information is shared electronically, without waiting for the paper check to go through the mail. Opening by ACH means you will begin to earn interest faster.
2. If your request to open a CD, e-Money Market account, or e-Savings account is received after 8:00 p.m. Eastern Time on a business day, or on a Saturday, Sunday or Federal holiday, the CD will be opened and interest will accrue as of the next business day. Our business days are Monday through Friday, excluding Federal holidays. If you provide your opening deposit funds by check, the CD will be opened and interest will begin to accrue on the business day the check is received, the opening could be delayed up to 10 business days or more due to mailing delays beyond our control.
3. Once the CD, e-Money Market account, or e-Savings account is open, we will send you a confirmation letter with your account number via U.S. mail. Allow 5 to 7 days for the letter to arrive.

We take your security and privacy very seriously and always go the extra step to protect your information and your money. We utilize the industry-standard technology and procedures to ensure the safeguarding of information submitted via AmTrustDirect.com. For complete details, review our Security Statement.

To login and view your account information, you'll need the user ID and temporary password we send you in the mail when you open your account. Never provide this personal information to anyone. You can go to www.AmTrustDirect.com and login from the homepage. After your initial login, you will be prompted to change your temporary password. If you do not know the initial login or do not remember your user ID or password you can call our Customer Contact Center 24/7 at (888) 696-4444 or en espa�ol at (888) 696-4443.

If you opened a joint account, both you and the joint account holder will have your own unique user ID and password. Although you share an account with only one account number, you will still each have your own login information.