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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 on your entire daily balance by utilizing all of our online banking tools-including, E-statements, online bill pay and online banking. 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 for this account
  • I nterest: Interest is earned on daily collected balance.
  • Online Banking and Online Bill Pay: Required for interest reward on this Account
    (3 posted transactions per statement cycle)
  • Direct Deposit : Required for this account
    (10 posted debit transactions required per statement cycle – includes bill pay transactions)
  • Interest Reward: For current interest rates and further explanation on how to receive the interest reward call 1-866-579-7959


Preferred

This is our most popular personal checking account.

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


Premier 

Very much like Preferred Checking with a no service charge benefit 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 eStatements 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 eStatements 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 of $1,000.00 or above, you will earn interest as provided in your account disclosure for each statement cycle
  • Monthly Statements: Check Image eStatements or mailed check image statements

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


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.


American State Bank ATM Card

This ATM card is accepted at all American State Bank ATMs and thousands of ATMs across the nation, allowing you to use ATM machines to make cash withdrawals, balance inquiries and funds transfers. ATM withdrawals from any American State Bank ATM location or wherever you see the Pulse Select and/ or Money Pass logos are at no charge.


Check Reorder

Check Reorder is a quick and simple way to reorder your checks.


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 1.866.582.8440

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.


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."


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 Anywhere

Remote Deposit Anywhere is a a feature that can be used when you would like to deposit a check using your iPhone or Android product. Simple download the ASB app from your Application Store. Once you are logged into your account, click on Deposit. You will be prompted to take a picture of the front and back of your checks, enter the deposit amount and then submit. To utilize this feature you must sign up at one of our convenient locations in person. 


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

 $20.00

5 x 5

 $30.00

3 x 10

 $40.00

5 x 10

 $50.00

10 x 10

 $75.00


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.

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