Disclosures, Account Agreements and Terms & Conditions
Business / Commercial Disclosures
Associated Bank is a wholly-owned subsidiary of Associated Banc-Corp, a publicly traded, diversified, multi-bank holding company with assets of $29 billion and over 200 banking offices throughout Wisconsin, Illinois and Minnesota. Equal Opportunity Lender. All financing is subject to credit approval.
International Banking - Wires, Resources
SWIFT is a registered trademark of Society for Worldwide Interbank Financial Telecommunication SCRL.
Associated Merchant Services is a contractual alliance between Associated Bank N.A. (AB) and First Data Merchant Service Corporation.
MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
VISA and VISA logo are registered trademarks of Visa International Service Association.
Gift card can be used anywhere MasterCard is accepted in the United States. Gift card cannot be used at automated teller machines (ATMs). A purchase fee will be applied to each gift card purchase. Other fees apply. See Terms and Conditions for additional details. MasterCard is a registered trademark of MasterCard International Incorporated. MasterCard Gift Card is issued by MetaBank™, Member FDIC, pursuant to license by MasterCard International Incorporated. Associated Bank, N.A. is not affiliated with MetaBank.
Business Credit Card
The 0% introductory APR does not apply to Cash Advances and is valid for the first six billing cycles on Purchases and Balance Transfers. Thereafter, the APR may vary, and as of 4/2011, the undiscounted variable APR for Purchases and Balance Transfers is 9.99%–20.99% (depending on your credit history).The variable APR for Purchases and Balance Transfers then in effect will apply to any outstanding balances after the promotional period ends. The Annual Fee for the Business Travel Card is $50. For updated rate information, call 866-951-1389. The variable APR for Cash Advances is 23.99%. Cash Advance Fee: 4%, $10 minimum. Convenience Check Advance Fee: 3%, $5 minimum. Cash Equivalent Fee: 4%, $20 minimum. Balance Transfer fees will apply, which are 3%, $5 minimum. There is a $2 minimum finance charge where interest is due. Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. The Late Payment Fee is $19 for balances less than $100, $29 for balances between $100–$250, and $39 for balances of $250 and higher.
Subject to credit approval. The creditor, issuer and service provider is Elan Financial Services pursuant to a separate license from Visa U.S.A. Inc. All trademarks, service marks and trade name referenced in this material are official trademarks and the property of their respective owners.
Associated Bank, N.A. is a Member FDIC.
Cirrus® is a registered trademark of Cirrus System, Inc.
Paychek Plus® is a registered trademark of FSV Payment Systems, Inc.
QuickBooks is a registered trademark of Intuit, Inc.
Go to associatedbank.com/ATM for details on surcharge-free networks. Associated Bank ATM access is free for Associated Bank customers only when you withdraw funds up to the amount of your available balance. In addition, there is no surcharge-fee to access MoneyPass ATMs when you withdraw funds up to the amount of your available balance. For our customers that originated their debit card account in the state of Illinois, there is also no surcharge-fee to access STARsf or Allpoint ATMs. ATMs outside of the Associated, MoneyPass and STARsf/Allpoint networks may charge a fee. In addition, Associated Bank may charge a Non-Associated ATM fee, balance inquiry fees may apply. MoneyPass is a registered trademark of Elan Financial Services. Star and STARsf are trademarks of First Data/Star Network. Allpoint is a registered trademark of Cardtronics, Inc.
Online Bill Pay Fee Information
For monthly service charge and per bill payment transaction fees, please refer to the Business Account Fee Schedule.
The Business Checking per-bill payment transaction fee is waived for the first 10 bill payments per month. If more than one applicable Business Checking account is used for online bill payment, the per-bill payment transaction fee is waived for the first 10 bill payments per month in the aggregate for the customer.
Note : Any financial fees associated with your standard deposit accounts and Associated Connect® will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider. Please see the “Failed or Returned Transactions” section of the “Terms and Conditions of the Bill Payment Service For Businesses” for additional fee information.
Additional Disclosure Information Available
Additional disclosures may be found in the Business Deposit Account Rate Sheet and the appropriate Business Account Fee Schedule, available at any Associated Bank.
Business Money Market
The Business Money Market+ is a tiered variable rate account and requires $1,000 minimum balance to open. Existing Associated Bank Business Money Market must meet the above relationship requirements and add $10,000 in new money to qualify for the Business Money Market+ APY. Accounts that do not continue to maintain the required relationships as outlined above will revert to the bank’s Business Money Market standard tiered variable rate.
Website links are provided for your convenience and are not endorsed by Associated Bank.