

When you bank with us, you're not a faceless account.
American State Bank offers four types of business checking accounts depending upon your transactional and professional goals. Our goal is to build a strong and long lasting professional relationship with you. We understand that your business and businesses like yours are the backbone of our community. We are dedicated to helping you succeed. That is why we offer highly personal service with state-of-the-art products to meet and exceed all of your business needs.
Business Checking
Great account for a new business or if your transaction volume is below 200 items.
- Minimum Opening Balance : $100.00
- Minimum Balance : No minimum balance required during the statement cycle
- Monthly Statements : Check Image eStatements or mailed check image statements
- Transaction Limits : Initial 200 combined items per statement cycle at no charge. Then $0.50 fee per each item in excess of initial combined items during each statement cycle
Business Advantage Checking
A Business Advantage Checking account is designed for small to medium-sized businesses. Choose this account if your business has transaction volumes between 200 and 400 items.
- Minimum Opening Balance : $100.00
- Minimum Balance : $5,000.00
- Monthly Service Charge : $20.00 service charge if daily balance falls below the minimum balance any day of the statement cycle
Monthly Statements : Check Image eStatements or mailed check image statements - Transaction Limits : Initial 400 combined items per statement cycle at no charge. Then $0.50 fee per each item in excess of initial combined items during each statement cycle
Business Analysis Checking
With this business account earn credit to offset fees!
- Minimum Opening Balance : $100.00
- Minimum Balance : NA (No minimum balance required)
- Account Maintenance Fee : $10.00 monthly
- Checks Written : $0.10 per item
- On-us Items Deposited : $0.06 per item
- Transit Items Deposited : $0.08 per item
- Bank Administration Fee : $0.037 per item
- Monthly Statements : Check Image eStatements or mailed check image statements
Account Benefits:
- Earn credit to offset fees. Earnings credit is based on average monthly balance, less 10% reserves, based on 90 day T-bill
- Online Banking
- iPay
- Debit Mastercard® or ATM Card
Business NOW Checking
An Interest bearing account for non-profit organizations, sole proprietors and government entities only.
- Minimum Opening Balance : $1,000.00
- Minimum Balance : $1,000.00
- Monthly Service Charge : $10.00 service charge if daily balance falls below the minimum balance any day of the statement cycle
- Monthly Statements : Check Image eStatements or mailed check image statements
- Transaction Limits : Initial 100 combined items per statement cycle at no charge. Then $0.15 fee per each item in excess of initial combined items during each statement cycle
- Interest : Interest is earned on daily balance. Each day your account maintains a minimum balance, you will earn interest as provided in your account disclosure for each statement cycle.
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.
- 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

Are you looking for a better way to manage your business?
American State Bank has a full range of innovative tools and services to keep your business running smoothly, securely, and efficiently.