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Individual Retirement Account

Traditional IRA
A traditional IRA is a way to save for retirement that gives you tax advantages. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances, and generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed. Please consult a tax advisor.
Roth IRA
The Roth IRA was created to by the Tax Payer Relief Act of 1997. Contributions you make now are NOT tax-deductible, but can be withdrawn tax and penalty free at any time. Earnings can be withdrawn tax and penalty free for certain reasons after five tax years and 59.5 years of age. Please consult a tax advisor.
The CESA plan allows individuals to save money for a child’s education on a tax-favored basis. Withdrawals are tax and penalty free only for qualified education expenses. Earnings are subject to tax and penalty for other withdrawals. Please consult a tax advisor.
Conduit IRAs
A Conduit IRA plan is a separate IRA established to temporarily transfer funds from one employer’s 401k plan to another firm’s plan. No commingling of funds, such as regular (non-rollover) IRA contributions is permitted. Money in a Conduit IRA may be rolled into a new employer’s plan (if allowed), providing the option to invest with your new employer.
Open Deposit IRAs
Also called IRA Savings Accounts, the Open Deposit IRA can be established with a minimum contribution of $10 and continued with regular payroll deductions or deposits. The Open Deposit Account IRA has no bank early withdrawal penalties and deposits are made at your own convenience.

Invest in your Future with an IRA

An Individual Retirement Account (IRA) is a great way to put aside funds for retirement. American National Bank Fox Cities offers several IRA programs, including Traditional, Roth, Coverdell Education Savings Account (CESAS), Conduit, and Open Deposit.

Community Driven

We know that the heart and soul of a small business is the people who work there. At American National Bank Fox Cities, we do all of our business this way. We believe in building the Fox Cities community, because it’s where we live and work. We’re your neighbors, and your local business bank.


Your business isn’t just your livelihood, it’s your life. Our team of business bankers has the knowledge and experience to make even the most ambitious goals possible for your business. Our skills help businesses reach these goals every day.


As an owner or stakeholder in a small business, you wear a lot of hats. We know that your time is valuable so we offer a simple process for getting the financing your small business needs to achieve big goals.