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

• No minimum balance to open.
• Unlimited check writing.
• Imaged or Truncated Statements
• Free Debit Card for qualifying applicants
• 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

Senior Checking

• Unlimited check writing.
• No Minimum balance or service charge for customers 55+ years of age upon request.
• Overdraft Protection available
• Imaged or Truncated Statements
• Free Debit Card for qualifying applicants
• Additional fees for other services may apply: See FEE SCHEDULE

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 $0.15 for each debit over 10 items.

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 account.

Now Checking

• $500 minimum balance to open. No service charge if balance remains above $500. If daily balance falls below $500, a $10.00 service charge plus $0.15 per debit item 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
• 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

Banclub Checking

• No minimum balance to open. No monthly minimum balance required.
• Unlimited check writing
• Imaged or Truncated Statements
• Free Debit Card for qualifying applicants
• Accidental Death & Dismemberment Insurance
• Overdraft Protection available
• $4.00 off each Harland Clarke 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
• Payment Card Protection
• Discount Travel Services
• Unlimited Bill Pay
• Basic Plan: $6.00 charge per statement cycle with $10,000 insurance coverage
• Family Plan: $8.00 charge per statement cycle with $20,000 insurance coverage
• Additional fees for other services may apply: See FEE SCHEDULE