Schedule of Services and Fees

Safe Deposit Boxes

We have various sizes of safe deposit boxes to meet your needs to keep your important documents and valuables safe.

Safe Deposit Box Sizes
3 x 5	$17 / Yr *
3 x 10	$27 / Yr *
5 x 10	$37 / Yr *
10 x 10	$62 / Yr *

All Safe Deposit Boxes are eligible for a $2.00 per year discount if automatic charge from your checking or savings account at ASB.

Cashier’s Checks

We have Cashier’s Checks available to purchase at a minimal cost of $3.00 per check.
Banclub Members - No Charge

DeluxeCard Visa Prepaid Gift Card

Deluxe Credit Card
VISA Gift cards not only make great gifts, but can be used for everyday purchases. They can be purchased with values from $20 - $500 for a cost of $3.95 per card.
Banclub Members – No fee

Wire Transfer

Incoming Wire Transfer Fee	$10.00
Outgoing Wire Transfer Fee	$15.00
International Incoming Fee	At Cost
International Outgoing Fee	$25.00

Faxes and Photo Copies

Fax # 218-294-6239

Banclub Customers – Photo Copier - Personal Use Only
Black & White copies        Free
Colored Copies                .25 per side (regular paper)
Colored Copies                $1.00 per sheet ( special paper)
Black & White                  Free (with their own stationery)

Non-Banclub Customers – Photo Copier
Black & White copies        .25
Colored Copies                .50 per side (regular paper)
Colored Copies                $1.00 per sheet (special paper)
Black & White                .25 (with their own stationery)

Faxes
                                    $1.00 per page (Incoming & Outgoing)
                                      Outgoing Toll Free – No Charge
                                      Intl. Faxes – Prices Vary – Customer will be billed

Night Deposit Service

For the times when the bank lobby is closed, we have a secure night depository located at the front entrance for you to make deposits and payments at your convenience.

Overdraft Protection

We offer Overdraft Protection that allows transfers from one account at our bank to your checking account, helping you to avoid overdraft fees and protecting your credit rating. Contact one of our employees to get signed up for this service.

24-Hour Tele-Banking 1-888-615-1382

24-HR Phone Banking is convenient, simple to use, and completely confidential. Your account information will be accurate as of the previous business day. There are a variety of transactions available on this system. For more information on how to set up telephone banking, contact one of our staff.

Shazam Check Card – Backed by Mastercard

American State Bank offers a Debit Card that works just like a check, only faster! Use it wherever Mastercard is accepted, and avoid time-consuming check writing hassles. For more information contact us for an application.

ATM Transfer – You may access your account by ATM using your American State Bank Check Card and personal identification number (PIN) to get cash withdrawals you’re your checking account.

You may withdraw no more than $200 per day for a maximum of three consecutive days.
There may be a charge per withdrawal at ATM’s we do not own or operate.

Point of Sale (POS) Transactions – You may access your checking account to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card).

You may not exceed $500 in transactions per day (ATM + POS)

Fees Hot Card Service $10.00
Replacement Card $10.00

If lost or stolen call 1-800-383-8000

Deluxe Check Reorder

Deluxe Checks offers many ways to order your check blanks.

Call toll-free; 1-877-838-5287 or Visit www.deluxe.com or you may contact one of American State Bank’s employees at 218-294-6111 or 1-877-814-9937.

U.S. Savings Bonds

U.S. Savings Bonds can be both redeemed and purchased at American State Bank. For more information on savings bonds, visit www.treasurydirect.gov or you may call 1-800-4US BOND for the recorded rate.

Miscellaneous Services & Fees

Check Cashing	Non-Customers Government Cks	$5.00 No charge
Collection Services	Customers Non-Customers Coupon Collection	No charge $5.00/check $5.00/Transaction
Stop Payments	Banclub Customer	$10.00 No charge
Overdrafts		$20.00 each, Max of $80 / day
Returned Check Deposit		No charge
Account Balance Inquiry		No charge
Account Research		$15.00 / hour, Min. 1 hour
Telephone Transfer		No charge
Account Reconcilement		Bank employees can help you get Started at no extra charge, but extensive help will be available at a charge of $15.00 / hour.
Coin Counting		No charge
Notary Fees	Customers Non-Customer	No charge $2.50
Night Deposit Bags		No charge

Loan Service Fees

Irrevocable Letters of Credit	1%
Construction Loan Origination Fee	1%
Real Estate Loan Origination Fee	.5% ($1000 Max.)
All security documentation and recording charges will be charged to the borrower.
Real Estate Partial Release Fee	$75.00
Real Estate Extension Fee	$50.00
Loan Administrative Fee	Loan Administrative Fee $25.00 ( Loans under $4320)

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