Personal Checking

Because our customers have different needs American State Bank offers a variety of checking and savings accounts. You will want to view the various accounts and decide which account will be the best for your particular needs. All checking accounts at American State Bank allow you to have a record of your purchases and pay your bills conveniently. You will receive an itemized monthly statement. We will be happy to help you evaluate which account would best suit your needs.

Regular Checking | Banclub Checking | Now Checking | Senior Checking | Student Checking | Money Market Checking | Value Checking | Free Checking

 

Regular Checking

  • Unlimited check writing.
  • Imaged or Truncated Statements – “ It’s your choice”
  • Free Debit Card for qualifying applicants
  • $250 Minimum Balance – No service charge if balance remains above $250. If balance falls below, charge is $5.00 per statement cycle.
  • Overdraft Protection available
  • Churches, non-profit organizations, and governmental entities are not subject to service charge.
  • Additional fees for other services may apply: See FEE SCHEDULE

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Banclub Checking

  • Unlimited check writing.
  • Imaged or Truncated Statements – “It’s your choice”
  • Free Debit Card for qualifying applicants
  • Accidental Death & Dismemberment Insurance
  • No minimum balance
  • Overdraft Protection available
  • $4.00 off each Deluxe check order
  • No fee for Prepaid Gift Card
  • Free personal photocopying
  • No Charge for Cashiers Checks
  • Free Notary public service
  • No charge for Stop Payments
  • Credit Card Protection
  • Discount Travel Services
  • $6.00 charge per statement cycle with $10,000 insurance coverage.
  • $8.00 charge per statement cycle with $20,000 insurance coverage.
  • Additional fees for other services may apply: See FEE SCHEDULE

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Now Checking

  • Minimum balance of $500.00. If the daily balance falls below the minimum balance, a service charge of $10.00 plus $.15 per debit for the statement cycle will be charged.
  • You will earn interest every day during the period that your account equals or exceeds the minimum balance of $500. Interest is credited monthly.
  • Unlimited check writing.
  • Overdraft Protection available
  • Imaged or Truncated Statements – “It’s your choice”
  • Free Debit Card for qualifying applicants
  • Variable interest rate posted in ASB lobby and on website at INTEREST RATES
  • Additional fees for other services may apply: See FEE SCHEDULE

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Senior Checking

  • Unlimited check writing.
  • No Minimum balance or service charge for customers 55 years of age upon request for senior checking.
  • Overdraft Protection available
  • Imaged or Truncated Statements – “ It’s your choice”
  • Free Debit Card for qualifying applicants
  • Additional fees for other services may apply: See FEE SCHEDULE
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Student Checking

  • No Minimum balance or service charge for full time students
  • Unlimited check writing.
  • Imaged or Truncated Statements – “ It’s your choice”
  • Free Debit Card for qualifying applicants
  • Overdraft Protection available
  • Upon graduating from high school, trade school, or college the account will convert to a regular checking account.
  • Under 18 needs adult consent.
  • Additional fees for other services may apply: See FEE SCHEDULE

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Money Market Checking

  • Minimum balance of $2500. If the daily balance falls below the minimum balance, a service charge of $7.00 plus $.15 per debit for the statement cycle will be charged.
  • You will earn interest every day during the period that your account equals or exceeds the minimum balance of $2500. Interest is credited monthly.
  • Imaged or Truncated Statements – “It’s your choice”
  • Limited Check writing to 3 per statement cycle
  • Variable interest rate posted in ASB lobby and on website at INTEREST RATES
  • Additional fees for other services may apply: See FEE SCHEDULE

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Value Checking

  • Minimum balance of $100.00 to open.  No service charge or fee per debit item if transactions are limited to 10 per statement cycle.  If limit is exceeded $2.00 service charge plus $.15 for each debit over 10 items.

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Free Checking

  • Minimum balance of $100.00 to open.  Monthly bank statement must be received electronically.  Should customer decide to discontinue E-Statements, account will be converted to a regular checking.

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