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Personal Checking

When you bank with us, you're not a faceless account.

Our goal at American State Bank is to build a solid and long-lasting relationship with you. We have five types of personal checking accounts. Each offers different opportunities, from the ability to securely pay online to free checks, interest earnings, and more.

This checking account earns interest and rewards you on your entire daily balance when utilizing some of our convenient banking services and tools. Perfect for the person on the go that wants to make their money grow.

  • Minimum Opening Balance: $100.00
  • Minimum Balance: No minimum balance required during the statement cycle
  • Monthly Statements: E-Statements are required to earn Interest Rate Reward for this account
  • Interest: Tiered interest is earned on daily collected balance based on qualifying activities.
  • Direct Deposit: Required to earn Interest Rate Reward for this account
  • Transaction Requirements: Required to earn Interest Rate Reward for this account
    • Tier 1 - 20 posted debit transactions required per statement cycle
    • Tier 2 - 7 posted debit transactions required per statement cycle
    • Tier 3 - less than 7 posted debit transactions and/or other requirements not met
  • Interest Reward: For current interest rates and further explanation on how to receive the interest rate reward call 1-866-579-7959
Simple, convenient and right for you.

  • Minimum Opening Balance: $100.00
  • Minimum Balance: No minimum balance required during the statement cycle
  • Monthly Statements: Itemized E-Statements or mailed itemized statements

Much like Preferred Checking with additional benefits for maintaining a higher minimum balance.

  • Minimum Opening Balance: $100.00
  • Minimum Balance & Monthly Service Charge:
    • $500.00 and above: No Service Charge
    • $300.00-$499.99: $7.00
    • $0.00-$299.99: $10.00
    • Above charges applicable if daily balance falls below the minimum balance any day of the statement cycle
  • Monthly Statements: Check Image E-Statements or mailed check image statements
A checking account for people age 55 or better with all the checking services you would need.

  • Minimum Opening Balance: $100.00
  • Minimum Balance: $300.00
  • Monthly Service Charge: $7.00 if daily balance falls below the minimum balance any day of the statement cycle
  • Monthly Statements: Check Image E-Statements or mailed check image statements
Additional Benefits:
  • One (1) order of checks per year at no charge
  • 3x10 safe deposit box for one (1) year at no charge, as available

This checking account earns interest on your entire daily balance and offers unlimited check writing.

  • Minimum Opening Balance: $1,000.00
  • Minimum Balance: $1,000.00
  • Monthly Service Charge: $10.00 if daily balance falls below the minimum balance any day of the statement cycle
  • Interest: Interest 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
  • Monthly Statements: Check Image E-Statements r mailed check image statements





  • 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
  • *We may require not less than 7 days’ notice before each withdrawal from an interest-bearing account other than a time deposit or from any other savings account as described by Regulation D
  • *Eligibility limited to individuals, nonprofit organizations and governmental units
  • For current interest rates call 1.866.579.7959
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Open a personal account online!

With our online account opening, you can open a checking account, savings account, and even certificates of deposit.

Open an Account