Personal Checking Accounts

Personal Checking Options

FreeChecking

Roam wild with a checking account you don’t have to keep tabs on.

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$25 to open
No minimum balance
No maintenance fees
Free ATM/Debit Card³
Free online banking and bill pay
Free e-statements
Electronic statements required (paper statements $2.00/month)
Unlimited check writing

Cash BackChecking

Earn up to $10 in cash back on debit card purchases each month.

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2% cash back on purchases totaling up to $500 per month
Up to $10 cash back per month
12 POS card transactions required monthly
Two ATM surcharge refunds per month
One ACH transaction (in or out) per month
E-statements required
Add Round Up Savings, and we’ll automatically deposit spare change from debit card transactions into your savings account!

InterestChecking¹

Grow your money with an account that earns monthly interest on top of your balance.

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$100 to open
$500 minimum monthly balance
Interest with $1,000 average balance²
$10 maintenance fee (if goes below monthly balance)
Free ATM/Debit Card³
Free online banking and bill pay
Free e-statements
Monthly statements
Free official checks
Unlimited check writing

PremierChecking

Our top-of-the-line checking account offers all the bells and whistles.

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$100 to open
No minimum balance
Interest with $2,500 average balance²
$8 maintenance fee (or $0 while maintaining $10,000 in combined account balances)
Free ATM/Debit Card³
Free online banking and bill pay
Free e-statements
Monthly statements
Unlimited check writing
Free official checks
Free checks⁴
Free unlimited ATM usage
Withdrawal up to $2,500 from any one CD without penalty
Preferred rates on consumer loans

¹ For customers 55 or older, monthly maintenance charges and minimum balance requirements are waived for this account.
² Interest varies and is subject to change.
³ Must apply and qualify for MasterCard debit cards.
⁴ Free checks are limited to basic Andover State Bank checks.

Features

All the benefits, plus the fringe.

Andover State Bank checking accounts come with many features that help you organize your finances and make your money work for you.

Debit Card

Don’t be limited by cash or checks. Make purchases in person, online or over the phone with your debit card. Withdrawal cash up to $500 per day, and make purchases up to $3,000 per day.

Online Banking

Experience the freedom to manage your accounts from your computer or phone, virtually anywhere.

Electronic Statements

Make the switch to paperless statements and get them emailed to you directly.

Mobile Deposit

Save yourself a trip to the bank. Make deposits from your mobile device by submitting photos of your check. It’s that easy!

Online Bill Pay

Pay bills online and never worry about your checks arriving in the mail on time. (Besides, writing checks can cramp your hand, not to mention your style.)

Direct Deposit

By having paychecks deposited directly into your account, you can save time and gas. That’s one less trip to the bank.

Express Phone

No computer? No problem. You can hear about your current statements and transactions over the phone. Call 316.733.7099 or 866.733.7099 and follow the instructions.

Overdraft Protection

If you accidentally spend more money than you have in your account, we transfer funds from another account so your balance stays positive.

On the go.
The way you like it.

Being on the go feels great when you’re doing the things you love. Our mobile app saves you an errand to the bank when you need to deposit a check, transfer money or check your balance. You can do it all on the app!

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Debit Cards

Trust in transactions.

Your Andover State Bank debit card is the key to cashless purchases and ATM withdrawals. You can even use it to transfer funds and check your balance. Carry your card with confidence knowing that we’re looking after your personal checking account.

Account Security

You’re protected.

You should never have to feel like stuffing cash into a mattress or digging a moat to safeguard your liquid assets. We’ve created a financially secure environment to bring you peace of mind. Your money is safe with us. And it’s always accessible to you.

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Lost or Stolen Card?

We’ve got you.

Leave your card at the restaurant? Has your wallet gone missing? If you believe your ASB debit or credit card has been stolen or misplaced, call us immediately. We can help prevent unauthorized charges and provide you with a replacement card.

316.733.1375

Hard-working and hassle-free. As easy as A-S-B.

All the benefits, plus the fringe.

On the go. The way you like it.

Trust in transactions.

You’re protected.

We’ve got you.

On the go.
The way you like it.