Personal Checking
Cash Back Checking with Real Savings
The personal checking account that pays you cash back. Cash Back Checking puts your hard-earned money right where you want it – in your savings account. Earn cash back on your debit card purchases automatically with no points to redeem or minimum balance requirements. We’ll even refund your ATM fees, nationwide provided you meet the simple monthly qualifications listed below.
Cash Back Checking Qualifications:
- Have at least 15 Point of Sale debit card transactions post and settle your Cash Back Checking account per qualification cycle
- Access ASB Online Banking and receive E -statements
- Maintain an active Real Savings Account
Cash Back Checking builds your savings automatically when you meet monthly qualifications.
- 2% cash back* on debit card purchases up to $400
- Domestic ATM fees refunded up to $10 per month*
The cash rewards will be automatically credited to your Real Savings Account. So you can save without having to think about it. Plus, there’s no minimum balance required to earn the rewards and no monthly service fee.
Real Savings Account
This personal savings account is linked to your Cash Back Checking account so you will build your savings automatically when you meet the monthly qualifications. Plus, you’ll receive a bonus rate on your Real Savings Account each month the qualifications are met on your Cash Back Checking Account.
- Earn 0.50% APY** on balances up to $10,000
- Earn 0.15% APY** on balances over $10,000
- Earn 0.10% APY** if qualifications are not met on your Cash Back Checking Account
2013 Cash Back Checking Calendar
Open your Cash Back Checking Account
** If your daily balance is $0.01 to $10,000, the APY (annual percentage yield) paid on the entire balance will be 0.50%. A range of 0.50% - 0.18% APY will be paid on the portion of your daily balance that is $10,000.01 or greater depending on how much you keep (calculated on an Interest Rate of .15%), when qualifications are met during the monthly qualification cycle. If qualifications are not met during the monthly qualification cycle a base APY of 0.10% will be paid on your entire daily Real Savings Account balance. Minimum balance to open the Real Saving Account $50.00. Fees many reduce earnings (if qualifications are not met). If your balance drops below $50.00 anytime during the month your account will be changed a $5.00 Service Charge. Rates may change. APYs available as of 04/01/2013.
Student Survival Kit
The Student Survival Kit has everything college students need to manage finances at home or away at school.
- A financial package of services offered to students attending secondary education programs.
- Free Checking for six years from the date the account is opened
(After first six years a monthly service fee of $10 may be assessed if the average daily balance falls below $500) - First order of basic checks free
- Unlimited check writing ability with no per check charges
- MasterMoney Debit Card - annual fee waived
- Ready Reserve overdraft protection - available
- College Rewards Visa Credit Card - available
- Online Banking with Check Images
- Statement Savings account
- E-Statements available
Get started today. Click here to open your Student Checking Account Online.
Power Rate Checking
The free personal checking account that earns a high rate of interest and ATM fee refunds nationwide, with no minimum balance required. Simply meet three requirements each month to qualify.
Earn the Power Rate of 1.05% APY* on balances up to $25,000
Earn 0.20% APY* on balances over $25,000
Earn 0.05% APY* when requirements are not met
Power Rate Qualifications:
- Have at least 10 Debit Card Transactions (excludes ATM transaction) post and clear per qualification cycle
- Have at least one Direct Deposit or ACH auto debit post and clear per qualification cycle
- Receive and review electronic statements
Click here to open your Power Rate Checking account online.
2013 Power Rate Checking Calendar
Helpful Hints for New Power Rate Checking Account Holders
The information below is provided to assist you in earning the rewards for your new Power Rate Checking Account.
Be sure to use your ASB debit card for POINT OF SALE transactions, either debit or credit. Try to perform all 10 point of sale transactions in the first three weeks of the month (the monthly qualification cycle ends on the day before the LAST BUSINESS DAY of the month) to ensure that your interest will be credited. Remember – ATM transactions DO NOT qualify as point of sale transactions.
ACTIVATE YOUR DEBIT CARD - Once you receive your PIN (Personal Identification Number), you must activate your debit card at any ATM by doing a balance inquiry transaction. If you want to change your PIN, you must use an Atlantic Stewardship Bank ATM.
SIGN UP FOR E-STATEMENTS - Once you receive your “Welcome” email for Online Banking, sign on, click on E-Statements, read the disclosure, scroll to the bottom of the page and click on Accept.
Set up one monthly direct deposit OR one electronic debit (ACH). The electronic debit must be initiated by an outside company; it CANNOT be an ASB online bill payment transaction.
Do not set up your electronic debit (ACH) for the end of the month if it is your qualifying transaction, as it may take a few business days for a third party to process the payment. All qualifying transactions must post and clear your account prior to the day before the LAST BUSINESS DAY of the month to ensure that your interest will be credited. Please refer to the Power Rate Checking Account disclosure for further explanation.
Make sure that the company that you choose to process your electronic debit (ACH) is taking the payment from your Power Rate Checking account and not using your debit card number. You must give them the bank’s ABA/Routing Number (021206582) and your Power Rate Checking Account number.
*If your daily balance is $0.01 to $25,000, the APY (annual percentage yield) paid on the entire balance will be 1.05%. An APY of 0.20% will be paid only for that portion of your daily balance that is $25,000.01 or greater, when qualifications are met during the monthly qualification cycle. If qualifications are not met during the monthly qualification cycle a base APY of 0.05% will be paid on your entire daily balance.
*Domestic ATM fees will not be refunded if qualifications are not met during the monthly qualification cycle. “Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement period though one (1) business day prior to the close of the current statement period. Qualifications required each monthly qualification cycle: have 10 debit card POS transactions post and clear your account, have one direct deposit or ACH auto debit post and clear your account, receive E-statement. Minimum balance to open the account $1.00. Fees many reduce earnings (if qualifications are not met). Offer is for personal accounts. Rates may change. APYs available as of July 1, 2012.
Ideal Checking
- First year free (no monthly service fee).
- Free Online Banking including the ability to view check images online.
- First order of ASB logo checks is free.
- Monthly statement includes a description of each transaction.
- Minimum Balance to Open the Account: You must deposit $25.00 to open this account.
- Minimum Balance to Avoid Service Fee: After one year from account opening date a monthly service fee of $10.00 will be imposed if the daily balance drops below $50.00 any day during the statement cycle.
Limitations
Applies only to personal accounts. This is a limited offer at the Bank's discretion.
Get started today. Click here to open your Ideal Checking Account Online.
Personal Checking
- A convenient way to pay bills and receive a monthly statement of activity.
- Minimum deposit of $25 to open
- Unlimited check writing
- A monthly service fee of $10 is assessed if the average daily balance falls below $500
- No per check fee
- Check images are returned in monthly statement
Now Account
- Interest bearing checking with all the features of our personal checking.
- Offers tiered interest rate based on entire balance:
- First Tier: $1,000 - $24,999
- Second Tier: $25,000 - $49,999
- Third Tier: $50,000 and up
- Interest rate is paid on entire balance, providing a $1,000 minimum balance is maintained in the account each day
- A monthly service fee of $10 is assessed if the balance falls below $1,000 any day of the month
- Check images are returned in monthly statement
55+ Checking
- Personal checking for customers at least 55 years or more.
- Initial deposit of $25
- No monthly service fee
- No per check fee
- Senior citizen discount offered on check purchases
- No fee for purchasing traveler's checks
- Check images are returned in monthly statement
NJ Consumer Checking
- Low cost basic checking for residents of the State of New Jersey.
- Minimum deposit of $25 to open
- Limit of eight (8) free checks per month, thereafter $0.50 per check
- Monthly service fee - $3
- Check images are returned in monthly statement
Sterling Lifestyle Club
- A package of financial services offered to customers 55 years or more.
- The Sterling Lifestyle Club Account is a multi-tiered interest bearing checking account:
- First Tier: $1 - $24,999
- Second Tier: $25,000 - $49,999
- Third Tier: $50,000 - $249,999
- Fourth Tier: $250,000 - $499,999
- Fifth Tier: $500,000 - $999,999
- Sixth Tier: $1,000,000 and up
- Interest is paid on entire balance, providing a $1.00 minimum balance is maintained in the account each day
- Must be 55 years or more.
- Minimum deposit of $1 to open
- Direct deposit of Social Security, payroll or pension into the Sterling Lifestyle Club Account is required
- Unlimited check writing – No per check fee
- Check images are returned with monthly statement
- Minimum daily balance of $10,000 must be maintained in the Sterling Lifestyle Club account or in linked accounts to avoid a $10 monthly service fee.
- A maximum of (5) five accounts may be linked. Linked accounts may include Checking, Statement Savings, Money Market, PGA, Certificates of Deposit and IRAs.
- Earn 0.30% over the current rates offered by Atlantic Stewardship Bank for 18 through 60 month Power Certificates of Deposit
- With the Sterling Lifestyle Club Card, you’ll receive many additional services:
- Personalized ASB logo checks - Free
- Debit Card - Annual Fee Waived
- Free Online Banking
- Traveler’s Checks – Fees Waived
- Official Bank Check – Fee Waived
- Notary and Medallion Guarantee Services – Free
- Coin Counting Machine Service – Free
