Personal Checking Accounts

Get $250 when you open a new Cash Back Checking account.1

Personal Checking Accounts
Explore Personal Checking Accounts
Cash BackChecking2

Best for: Earning rewards with everyday debit card use.

Open Cash Back Checking

  • Get $250 when you open a new account1
  • 2% cash back on debit card purchases3 (up to $120/year)
  • Only $25 to open, so you start earning quickly
  • No monthly fees + ATM refunds (2/month)
  • Everyday essentials included: online & mobile banking, bill pay, debit card2, and unlimited check writing
FreeChecking

Best for: Simple, no-fee banking for everyday use.

Open Free Checking

  • No monthly fees, so you keep more of your money
  • Only $25 to open, so it’s easy to get started
  • No minimum balance, so you can bank freely
  • Everyday essentials included: online & mobile banking, bill pay, debit card2, and unlimited check writing
InterestChecking4

Best for: Earning interest on higher balances.

Open Interest Checking

  • Earn interest on $1,000+ average balances5, to grow your money over time
  • Get started with $100, a simple way to begin earning
  • Avoid monthly fee by maintaining a $500 minimum balance
  • Easy, secure banking: online & mobile, bill pay, debit card3, and more
PremierChecking

Best for: Higher balance accounts seeking premium perks and priority support.

Open Premier Checking

  • Earn interest on $2,500+ average balances5, to put more of your money to work
  • Get started with $100, a simple, low barrier to open
  • Avoid monthly fee by maintaining $10,000+ in combined balances
  • Additional perks: unlimited ATM usage, preferred loan rates, and penalty-free CD withdrawals (up to $2,500)
  • Easy, secure banking: online & mobile, bill pay, debit card2, free checks6, and more
  • 1 Promo valid for new ASB customers only and must meet account opening requirements. Account must be open for 182 days and have one ACH direct deposit monthly. Promotion must be mentioned at the time of account opening to qualify for the $250 credit, which will be applied to the checking account during the seventh statement cycle. Cannot combine with any other new account offers. $250 new account promotion period ends 5/31/2026.
  • 2 Must make 12 debit card purchases and have one ACH transaction (in or out) per month to earn rewards.
  • 3 Must apply and qualify for MasterCard debit cards.
  • 4 For customers 55 or older, monthly maintenance charges and minimum balance requirements are waived for this account.
  • 5 Interest varies and is subject to change.
  • 6 Free checks are limited to basic Andover State Bank checks.

Features

Everything you need to bank smarter, all in one place.

From paying bills to accessing your money, ASB provides simple, secure tools, backed by local service you can rely on.

Make purchases easily with secure access to your money.

Check balances, access paperless statements, transfer funds, and manage your account anytime.

Snap a photo of your check and deposit it in seconds.

Schedule payments and avoid missed due dates.

Receive your paycheck automatically with direct deposit.

If your balance runs low, funds can be automatically transferred from another account to help cover transactions.

Bank on the go, your way.

Manage your account wherever you are. Easily deposit checks, transfer money, and check your balance quickly and securely from your mobile device.

Explore Mobile Banking

Account Security

Feel confident your money is safe with us.

We use secure systems to help protect your account and keep your information safe, so you can bank with peace of mind and access your money whenever you need it.

Learn More

Lost or Stolen Card?

We’re here when you need us.

If your debit or credit card is lost or stolen, contact us right away. We’ll help prevent unauthorized charges and get a replacement card to you as quickly as possible.

316.733.1375

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