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Checking Accounts

Let our friendly staff assist you in selecting the best option suited to you.  We will work with you to ensure your banking experience with American State Bank is easy and convenient for you.

Free Checking

  • Minimum balance to open is $100.00
  • No minimum balance to maintain.
  • Unlimited number of checks and debits.
  • Statements received via e-mail.
  • Minimum balance to open the account is $100.00

Regular DDA

  • Minimun average daily balance to avoid service charge is $300.00.
  • If the average daily balance falls below $300.00 in a statement cycle a flat service charge of $2.00 plus an item charge of $0.15 per debit item will be assessed for that cycle.
  • No Service Charge for Senior citizens (over 65)

Scotch Account

  • Minimum balance to open is $100.00
  • 10 Free Debits per monthly statement cycle.
  • If  debits exceed 10 per cycle, a flat service charge of $2.00, plus a
  • $0.15 per debit item charge will be charged for each debit over 10 for that cycle.

ASB Interest Bearing

  • Interest is paid on average daily balance over $500.00
  • Interest compounded and credited monthly.
  • If the average daily balance falls below $500.00 a flat service charge of $10.00 plus a $.15 per debit item charge will be charged for that cycle.

All accounts include:

Free INTERNET BANKING – Check your balance, view check images, receive your bank statement, transfer funds between your American State Bank Erskine accounts and more.