ELEVATED BANKING TAILORED TO YOUR FINANCIAL GOALS.
Onyx is a premium banking program from ASB, created for customers who value elevated benefits and a more personalized experience. Discover preferred products, rates, and rewards designed to help your money go further.
ONYX PRODUCT SUITE
Explore the Onyx product lineup, featuring banking solutions tailored to your unique financial goals and lifestyle needs.
Onyx High
Interest Checking
ONYX HIGH INTEREST CHECKING
Enjoy an interest-bearing checking account that comes with extra benefits, including a
high-limit debit card and zero overdraft fees.
- $100 to open
- No minimum balance requirement
- Premium interest on balance up to $10,000
- Standard interest on balance over $10,000
- $8 maintenance fee (or $0 while maintaining $10,000 in combined account balances)
- Free checks & official checks
- Withdrawal of up to $2,500 from any once CD without penalty
- No overdraft fees
- Onyx debit card with higher spending limits ($1,000 daily ATM, $5,000 daily purchase limits)
- Online access to temporarily increase debit cards
- Interest compounded daily and credit monthly based on the average daily balance
** Interest rates vary and are subject to change at any time.
Onyx Apsire Money
Market
Onyx Aspire Money Market
Featuring compounding interest at top-tier rates, the Onyx Reserve Money Market account
helps you grow your funds while you store them.
- $100 to open
- $10 maintenance fee (or $0 while maintaining $10,000 in combined account balances)
- Six transactions allowed per month ($5 withdrawal per check after the first six)
- Interest compounded and credited monthly based on the following tiers:
- $0 – $100,000 (variable rate)
- $100,000.01 – $250k (70% of the 90-day Treasury Bill)
- $250,000.01 – $500k (85% of the 90-day Treasury Bill)
- Over $500k (100% of the 90-day Treasury Bill)
Onyx Personal
Loans
Onyx Personal Loans
Personal loans make buying a car, going on vacation, or covering surprise expenses easy.
Get all the benefits of an ASB loan, plus some!
- Unsecured
- Same-day approval up to $100,000
- Terms up to 5 years
- 25bp discount loan rate
** Subject to credit approval.
Onyx Product
Add Ons
Onyx Product Add Ons
As a full-service bank, we offer a variety of other Onyx products designed to fully meet
your financial goals and needs. Contact us to learn more.
- Additional 10bp above posted interest rates on HSAs, CDs, and IRAs
- Free 5×5 or 3×10 safe deposit box with two or more Onyx accounts
- Home and car insurance quotes
** Insurance products are unaffiliated with ASB and not FDIC-insured.
Onyx Line of
Credit
Onyx Line of Credit
Get flexible financing whenever you need it. The Onyx line of
credit offers fewer fees and lower interest rates than a credit card.
- Unsecured
- $100 origination fee
- Same-day approval up to $100,000
** Onyx line of credit is a variable rate and is subject to credit approval.
The APR (annual percentage rate) is determined based on specific terms of the loan and credit history.
The APR will change with the market based on the prime rate as published in the Wall Street Journal.
Funds can be drawn from for three years, during which time interest-only payments are required.
After the three-year draw period, a five-year repayment period is entered, during which time payments
of both principal borrowed and interest are required. Debt already financed through Andover State Bank
is not eligible for this product.
ONYX EXCLUSIVE RATES
Take advantage of our most competitive interest rates on deposit accounts, consumer loans, CDs, and other Onyx products designed to grow your money.
ONYX QUARTERLY GIVEAWAYS
Onyx is all about rewards. Every quarter, we offer Onyx customers the chance to win a special giveaway. This opportunity is exclusive to customers using an Onyx product, so sign up today! The next giveaway drawing is around the corner.
CONCIERGE SUPPORT
We’re here to help you unlock the benefits of being an Onyx member. To learn more, call or visit an ASB branch located in Andover or Wichita.
- Balances over $500,000 will earn 100% of the 90-day Treasury Bill
- Balances from $250,000.01 to $500,000 will earn 85% of the 90-day Treasury Bill
- Balances from $100,000.01 to $250,000 will earn 70% of the 90-day Treasury Bill
- Balances up to $100,000 will earn a bank-determined variable rate, which is subject to change at any time
