Online Banking is temporarily unavailable.

Our Online Banking is shedding its old skin to become new and improved. To make the transition, the service will be down for maintenance from 5pm, July 7 to 9am, July 8. We apologize for any inconvenience this may cause.

Online Banking is temporarily unavailable.

Our Online Banking is shedding its old skin to become new and improved. To make the transition, the service will be down for maintenance from 5pm, July 7 to 9am, July 8. We apologize for any inconvenience this may cause.

Online Banking is temporarily unavailable.

Our Online Banking is shedding its old skin to become new and improved. To make the transition, the service will be down for maintenance from 5pm, July 7 to 9am, July 8. We apologize for any inconvenience this may cause.

Personal Banking
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ACH Debit & Credit Origination

Andover State Bank is an originating bank for Automated Clearing House (ACH) debits and credits, enabling us to initiate loan payments, memberships and other automatic transactions. ACH also eliminates the cost of check processing, postage, check reconciliation and lost or stolen checks.

Payroll Direct Deposit

Save time and money by directly depositing payroll into employee accounts. Using ACH, through secure messaging or online banking to transmit payroll files, we will electronically deposit payroll into designated employees’ accounts.

Merchant Bankcard Services

MasterCard and Visa Member(s): Electronically deposited into a commercial account, at the end of the month, a detailed report is generated summarizing all transactions processed throughout the month. A discount rate is determined through annual analysis of merchant activity.


Business Online Banking

Access and manage your accounts and payroll at anytime with Business Online Banking:

  • Obtain account information
  • Transfer between accounts
  • Make loan payments
  • Create balance alerts
  • Sign up for online statements

Cash Management Accounts: Automatically maintain a target balance with internal transfers of funds to or from a master account. Automatic loan payments or line of credit advances can be transferred to or from the account.

Positive Pay

Reduce Fraud: The Positive Pay system assists in seizing fraudulent activity by identifying counterfeit, altered or miscoded checks, and unauthorized copies. Interfaced with the bank’s teller system and overnight processing, alerts are generated before checks are cashed and/or paid including ACH. Suspect items are reviewed on a daily basis for pay or return decisions.

Monitor Checks: Positive Pay allows you to monitor your check writing activity:

  • Compare checks paid against checks issued and identify suspect items
  • Identify unauthorized copies, altered or counterfeit checks
  • Set check number ranges and high dollar amount limits based on your check writing history

Remote Deposit Capture

Preserve your time by making deposits directly from the office using Remote Capture. A small image scanner allows you to balance deposits before securely transmitting them to the bank for approval. Remote Capture saves money, improves cash flow and maximizes funds availability.