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When you bank with us, you're not a faceless account. Our goal is to build a strong and long-lasting relationship with you. That is why we offer highly personal service with convenient access to meet and exceed your needs. We have five types of personal accounts, each offering different opportunities from the ability to securely pay online to free checks to interest earning and more. We encourage you come into a branch or call us for more information.

iChecking*

This checking account earns interest and rewards you on your entire daily balance when utilizing some of our convenient banking services and tools. Perfect for the person on the go that wants to make their money grow.

  • Minimum Opening Balance: $100.00
  • Minimum Balance: No minimum balance required during the statement cycle
  • Monthly Statements: E-Statements are required to earn Interest Rate Reward for this account
  • Interest: Tiered interest is earned on daily collected balance based on qualifying activities.
  • Direct Deposit: Required to earn Interest Rate Reward for this account
  • Transaction Requirements:  Required to earn Interest Rate Reward for this account
    • Tier 1 - 20 posted debit transactions required per statement cycle
    • Tier 2 - 7 posted debit transactions required per statement cycle
    • Tier 3 - less than 7 posted debit transactions and/or other requirements not met 
  • Interest Reward: For current interest rates and further explanation on how to receive the interest rate reward call 1-866-579-7959
 

Preferred

Simple, convenient and right for you.  

  • Minimum Opening Balance: $100.00
  • Minimum Balance: No minimum balance required during the statement cycle
  • Monthly Statements: Itemized E-Statements or mailed itemized statements 


Premier 

Much like Preferred Checking with additional benefits for maintaining a higher minimum balance.

  • Minimum Opening Balance: $100.00
  • Minimum Balance & Monthly Service Charge:
    - $500.00 and above: No Service Charge

    - $300.00-$499.99: $7.00
    - $0.00-$299.99: $10.00
    - Above charges applicable if daily balance falls below the minimum balance any day of the statement cycle
  • Monthly Statements: Check Image E-Statements or mailed check image statements


Prestige

A checking account for people age 55 or better with all the checking services you would need.

  • Minimum Opening Balance: $100.00
  • Minimum Balance: $300.00
  • Monthly Service Charge: $7.00 if daily balance falls below the minimum balance any day of the statement cycle
  • Monthly Statements: Check Image E-Statements or mailed check image statements
  • Additional Benefits:
    - One (1) order of checks per year at no charge
    - 3x10 safe deposit box for one (1) year at no charge, as available 


Platinum*

This checking account earns interest on your entire daily balance and offers unlimited check writing.

  • Minimum Opening Balance: $1,000.00
  • Minimum Balance: $1,000.00
  • Monthly Service Charge: $10.00 if daily balance falls below the minimum balance any day of the statement cycle
  • Interest: Interest earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in your account disclosure for each statement cycle
  • Monthly Statements: Check Image E-Statements or mailed check image statements 
 

 Search Current Interest Rates

Summary of 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
  • *Eligibility limited to individuals, nonprofit organizations and governmental units
  • For current interest rates call 1.866.579.7959
 

Account Benefits Applicable to Personal Checking Accounts:

Debit Mastercard®

The American State Bank Debit Mastercard® can be used anywhere Mastercard® is accepted. The sale amount is automatically deducted from your checking account with no waiting for check approval. This allows you to purchase quickly, easily, and conveniently. The Debit Mastercard® is available only to checking account customers and is the property of American State Bank.


Digital Banking                                          

Digital Banking is an easy and secure way to access and manage your accounts anywhere and anytime; whether you’re on your laptop, smartphone, or tablet, you can stay connected to your accounts.

With the easy-to-use digital banking dashboard, you can:


  • View Balances and Transactions: Search your recent activity, filter by tags, even add an image or note to an entry.
  • Transfer Funds: Move money between American State Bank accounts of send and receive funds from accounts at other financial institutions.
  • Set Advanced Card Controls: From your American State Bank Mobile Banking App you can set up alerts, set spending limits to keep spending in check, prevent transactions that don’t match your settings, lock card, report it lost or stolen, and submit travel notifications for your American State Bank Debit Card.
  • Pay Bills and Schedule Payments: Pay bills and set up recurring bill payments from any device
  • Deposit Checks (mobile app only): Deposit a check right from your phone or tablet. (To utilize this feature, you must sign up at one of our convenient locations or by contact your local branch staff).
  • Get Alerts: Receive automatic alerts and push notifications to help you stay on top of your accounts.
  • View Documents: View and download eStatements and electronic notices.
  • Money Manager: Take control of your money with our Money Manager tools and get a holistic view while you build a stronger financial future.
  • Messages: Start a conversation with an American State Bank representative during posted hours. You may also leave a message after hours and we’ll respond the next business day.



To get started today, download the American State Bank Mobile App.



24-Hr. Telephone Banking at 1.866.582.8440

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.


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.  The contents of a safe deposit box are not insured by the FDIC or by American State Bank.  Please refer to your local branch for pricing and availability.


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 - as available

Digital Banking

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ATM Locator

Over 32,000  ATM locations surcharge free, look for the Money Pass logo. Search Now

Credit Cards

Choosing the right credit card is easier then ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!