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When you bank with us, our goal is to offer high quality and secure products to help you make the most out of your investment dollars. We offer a range of flexible money market accounts to investment accounts so you can be assured that you are getting the most from your banking experience. We are dedicated to your success.


Money Market

  • Minimum Opening Balance : $1,000.00
  • Minimum Balance & Monthly Service Charge :
    - $1,000.00 and above: No Service Charge
    - $0.00-$999.99: $10.00
    - Above charges applicable if daily balance falls below minimum balance any day of the statement cycle
  • Interest : Interest is earned on daily balance. Each day your account maintains a minimum balance of $1,000.00 or above, you will earn interest as provided in your account disclosure for each statement cycle. For current interest rates call 1.866.579.7959.
  • Withdrawals : An excess debit fee of $10.00 will be charged for each posted, covered withdrawal or transfer in excess of six (6) per statement cycle
  • Monthly Statements : Check image eStatements or mailed check image statements
  • Online Banking available

Current Interest Rates effective as of May 1, 2014

Term: $0.00 - $999.99
Interest Rate*: 0.00%
APY**: 0.00%

Term: $1,000.00 and Above
Interest Rate*: 0.10%
APY**: 0.10%


American Advantage Money Market

  • Minimum Opening Balance : $10,000.00
  • Minimum Balance & Monthly Service Charge :
    - $10,000.00 and above: No Charge
    - $0.00-$9,999.99: $10.00
    - Above charges applicable if daily balance falls below the minimum balance any day of the statement cycle
  • Interest : Interest is earned on daily balance. Each day your account maintains a minimum balance of $10,000.00 or above, you will earn interest as provided in your account disclosure for each statement cycle. For current interest rates call 1.866.579.7959.
  • Withdrawals : An excess debit fee of $10.00 will be charged for each posted, covered withdrawal or transfer in excess of six (6) per statement cycle
  • Monthly Statements : Check Image eStatements or mailed check image statements
  • Online Banking available

Current Interest Rates effective as of May 1, 2014

Term: $10,000 - $99,999.99
Interest Rate*: 0.10%
APY**: 0.10%

Term: $100,000.00 - $199,999.99
Interest Rate*: 0.30%
APY**: 0.30%

Term: $200,000.00 - $349,999.99
Interest Rate*: 0.55%
APY**: 0.55%

Term: $350,000.00 and Above
Interest Rate*: 0.75%
APY**: 0.75%

Summary of Business Checking Accounts

  • Terms & Fees may change without prior notice
  • Minimum balance required to avoid service charge and qualifications may apply. Account disclosures obtained when opening account contain complete account details
  • See Schedule of Fees for other applicable charges
  • Fees and other conditions may reduce the earnings on your account
  • We may require not less than 7 days’ notice before each withdrawal from an interest-bearing account other than a time deposit or from any other savings account as described by Regulation D
  • Federal regulations restrict the number of covered withdrawal and transfers to six (6) per calendar month or statement cycle. A covered withdrawal or transfer is one made with our bank or to a third party including preauthorized transfer, automatic transfer, by telephone, including fax, or internet banking service (transfer or bill payment): or if made by check, ACH, debit card (point of sale) or similar order payable to third parties
  • If your transaction volume exceeds the minimum setup for your account, your account may be converted to another account type.
  • *Interest Rates are subject to change without prior notice. For current interest rates call 1.866.579.7959.
  • **APY = Annual Percentage Yield



Corporate Services:

Easy Account Access

We offer many ways for you to access your account(s). We are committed to providing you with as many services as possible to make your business banking quick, easy, secure and accessible. You will have immediate access to the information you need 24 hours a day, 7 days a week so that you may quickly:

  • Verify balances on Checking, Savings, Loans & Investment Accounts
  • Verify the deposits/withdrawals that have posted
  • Verify Debit MasterCard®/ATM transactions
  • Transfer funds between accounts

24-Hr. Telephone Banking at 1.866.579.7959

Easy access to your American State Bank account(s) from the privacy and convenience of your home, car or anywhere you have a touch-tone phone.


Online Banking

We offer the capability to securely access and manage your account(s) over the Internet.

View online banking agreement >>

By choosing to receive e-statements instead of Paper Statements you are making a choice to "Go Green." You will receive your statements faster and you will have peace of mind knowing you are helping our environment. We appreciate your consideration of this option and encourage you to join us in "Going Green."


ACH Rules and Guidelines 

NACHA Basic user registration (for access to user guidelines and rules)


iPay

iPay is an easy-to-use bill payment service available through Online Banking with an abundance of flexibility. Simple to understand, iPay allows you to pay almost anyone.

View iPay agreement >>


Mobile Banking

Mobile Banking allows you to utilize Online Banking capabilities from the convenience of your web-enabled cell phone 24 hours a day. For iPhone and Android users, simply download our mobile app.


Remote Deposit Capture

Remote Deposit Capture is a product for small businesses to deposit checks from their place of business via digital check scanner. To find out more about this product please visit one of our branches to speak with your personal banker.


Safe Deposit Box

A safe deposit box rental is an annual charge. Inquire about safe deposit box availability at your nearest American State Bank location.

Size

Annual Charge

3 x 5

$15.00

5 x 5

$20.00

3 x 10

$25.00

5 x 10

$30.00

10 x 10

$50.00


Other Services

As your banking partner, there are more convenient banking services we offer to make business operations easier for you:

  • Automatic Funds Transfers
  • Direct Deposit
  • Fax Machine
  • Notary Public Service
  • Photo Copies
  • Custom Wire Transfer Service
  • 24-Hour Night Depository


Schedule of Fees

The following fees may be assessed against your account and the following transactions limitations, if any apply to your account.

  • Account Re-Opening: $15.00
  • Account Research (Per Hour): $30.00
  • ATM Surcharge For Non-Customers: $2.50
  • ATM/Debit Replacement Card: $5.00
  • Auto Drafts: $5.00
  • Automatic Transfers - 4 Free Per Month: $1.00 each thereafter
  • Cashier's Check Fee: $5.00
  • Charged Back Checks: $10.00 per item
  • Check Copies: $2.00
  • Check Printing(fee depends on style of check ordered):
  • Coin Counting (Non-Customers): $5.00
  • Dormant Account Fee: $10.00
  • Garnishments or Levy: $100.00
  • Monthly ATM Fee: No Fee
  • Monthly Debit Card Fee: No Fee
  • Notary: $5.00
  • Online Bill Pay with E-Statements: No Fee
  • Online Bill Pay without E-Statements: $4.95


The Overdraft fee applies to overdrafts created by check, ATM or in-person withdrawal, or other electronic means, as applicable

Non-Sufficient Fund Item Fee or Overdraft Item Fee

  • Non-Sufficient Funds Item Fee* (NSF): $35.00
  • Overdraft Item Fee: $35.00



*Non-Sufficient Funds Item Fee, Overdrafts Item Fee or Overdraft Fees on an account may apply to checks, in-person (teller) withdrawals, sweeps, drafts, electronic checks, ACH items, and/or funds transfers. Also applicable are the ATM withdrawals and/or everyday debit card transactions provided you have chosen to "Opt-in" authorizing the Bank to pay overdrafts on your ATM and everyday debit card transactions.

  • A $15.00 Overdraft Fee will be assessed any statement period in which your account is overdrawn.
  • Maximum NSF Item Fee or Overdraft Item Fee amount charged on a consumer account per day is $210.00
  • No NSF Item or Overdraft Item fee is charged on a consumer account if the resulting balance is overdrawn less than or equal to $10.00.
  • Overdraft Protection Transfer Fee (Per Day): $7.50
  • Paper Statements: $2.00
  • Paper Statements With Check Images: $4.00
  • Research Copies: $5.00
  • Snapshot Statement: $3.00
  • Statement Balancing: $10.00
  • (If Requires More Than 1 Hour to Balance, It Will Be Referred To Research)
  • Stop Payments (All Items): $30.00
  • Telephone Transfers (By Bank Employee): $3.00
  • Temporary Checks: $2.00 Per Check
  • Wire Transfers (Incoming): $10.00
  • Customer (Outgoing): $25.00
  • International Wires: $50.00
  • Business Account Special Statement Cycle: $10.00
  • Commercial Locking Bags: $20.00
  • Encoding Charge: $0.50 Per Item
  • Non-Customer On Us Cashed Checks: $5.00
  • Replacement Locking Bag Keys: $20.00
  • Zipper Deposit Bags (1st Free): $5.00
  • We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Internet Gambling-Federal Regulation GG

The Bank shall have the right to decline any transaction which it believes or suspects is an internet gambling transaction. The Bank may close any account of the Customer that the Bank believes was used for any internet gambling transaction.

Online Banking

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ATM Locator

Over 20,000 ATM locations sur-charge free, look for the Money Pass logo. Search Now