Personal Checking Accounts

All  Associated Bank checking accounts include perks like overdraft grace zone,¹ access to more than 30,000 surcharge-free ATMs,² Early Pay,³ exclusive cards and deals that match local teams and venues.

Three great options. Unlimited possibilities.

Unlock the exclusive benefits of Platinum Choice⁷ by maintaining  a monthly average relationship balance of $50,000. 

 Access CheckingBalanced CheckingChoice Checking
Monthly maintenance fee$0$9$25
Ways to avoid the maintenance feeYou're free of monthly maintenance fees and account minimums.
  • Maintain a $1,000 minimum daily balance OR
  • Direct deposit or Associated mobile deposit a total of $500 or more per statement cycle OR
  • Hold $2,500 in combined deposit accounts⁸ with same statement cycle date or the presence of either an HSA or investment account
Hold $10,000 in combined deposit accounts⁸ with same statement cycle or the presence of either an HSA or investment account
Minimum deposit$25$100$100
Mailed statements$4$4, if under 65
Free exclusive personal checks  
Ability to link up to four deposit accounts  
Enhanced funds availability¹⁰ - get up to $5,000 of your deposited funds immediately  
Debit cardPlatinum Debit MastercardPlatinum Debit MastercardWorld Debit Mastercard
Free cashier's checks and money orders  
Credit Monitor⁴ 

 

Find your financial fit.

We've got more than banking products. We've got your back.

Money management from anywhere? Associated Bank Digital’s got you!   

Money Monitor 
Set budgets. Track spending. Grow savings. Get money-smart alerts. Money Monitor empowers you to better oversee your finances wherever you go. 

Pay and Transfer 
Easily manage your bills,¹² make transfers and even pay family and friends—from anywhere. 

Customizable Alerts 
Get up-to-the-minute notifications of account activity with customized alert options. 

Paperless Statements  
View your paperless statements from anywhere—no need to wait for the mail to get a rundown of your monthly account activity. 

Associated Bank Digital

Want to open an account in person?

  1. Overdraft grace zone – An Overdraft Fee will not be charged if account is overdrawn up to $100 for Associated Bank Platinum Choice benefit eligible customers or up to $50 for all other personal checking accounts. If an overdraft is paid by Associated Bank, a deposit must be made to bring the account back to a positive balance. Regular account requirements and fees for overdrafts will otherwise apply. Overdraft Protection Transfer service links your checking account with your other accounts at Associated Bank, including another checking account, savings account, money market account, Consumer Credit Card, Checking Reserve Line of Credit or Premier Line of Credit. There is no fee for this service, for more details on transaction limits and terms and conditions of these products, please refer to the Consumer Deposit Account Fee Schedule, applicable Checking Product Disclosure, What You Need to Know About Overdrafts and Overdraft Fees, Understanding Overdrafts and Your Options to Manage Fees or the Deposit Account Agreement. (1068)

  2. Associated Bank and MoneyPass® ATM use is free for Associated Bank customers. ATM owners outside of the Associated and MoneyPass networks may charge a fee. Associated Bank may charge a fee for using an out-of-network ATM. International fees may apply. Review your account disclosure and fee schedule for more details. MoneyPass is a registered trademark of Fiserv Solutions, LLC or its affiliates. (1206)

  3. We may credit regularly occurring direct deposits up to two days early with Early Pay. This is available at Bank discretion for consumer checking accounts. We do not guarantee early availability of direct deposits. Eligible direct deposits to your account are based on when a payor notifies us they are sending you a credit. This may include direct deposit with your employer, government entity, or other organization that makes regular recurring payments to you. Ineligible deposits or credits to your account include person to person services, check or mobile deposits, or other online transfers. See the Deposit Account Agreement, Section 11.5, for full terms and conditions of Early Pay. (1464)

  4. To use Credit Monitor, eligible customers must log in to digital banking, activate the feature, and accept the terms and conditions. Information provided through Credit Monitor is obtained by Experian. For more information, visit here. (1485)

  5. Interest on checking account is paid on the daily collected balance. (1298)

  6. Associated Choice Checking customers receive two out-of-network ATM owner surcharge fee refunds per statement cycle, up to $20. (1299)

  7. You must meet and maintain Platinum Choice Checking qualifications, listed on the Choice Checking Product Disclosure and Fee Schedule, to obtain enhanced benefits. Balances are calculated at the end of the calendar month, if qualifications are met benefits will start within 45 calendar days. (1419)

  8. Avoid the $9 Associated Balanced Checking or $25 Associated Choice Checking monthly maintenance fee by meeting deposit balance minimums. Combined balances for qualification for maintenance fee waivers are determined by:

    • Calculating the sum of the average daily balance of all deposit accounts (checking, savings, money market, CD/IRAs) with the same statement cycle. Deposit accounts with different statement cycles may not be fully considered in determining qualifications for fee waivers.
    • The presence of an HSA account or the presence of an investment account(s) including annuities, mutual funds and brokerage accounts for customers of Associated Investment Services (AIS).

    To ensure all balances are included in the average daily balance calculation, request combined statements. Exclusions may apply, please ask a banker for details. (1182)

  9. Ask your banker to link your accounts. Closing your checking account means applicable minimum balance requirements and maintenance fees will apply on the linked accounts.

  10. For more details, please refer to the applicable Product Disclosure for Funds Availability information. (1274)

  11. Associated Bank does not charge a fee to download our digital applications; however, transactional fees may apply. Carrier message and data rates may apply, check your carrier’s plan for details. Visit AssociatedBank.com/disclosures for Terms and Conditions for your service. (1406)

  12. Our standard bill payment service, found within digital banking, is free, up to your available balance. Accelerated delivery services within the bill payment service have additional service charges. Please refer to the Terms and Conditions of the Bill Payment Service, the Consumer Deposit Account Fee Schedule, or the applicable Checking Product Disclosure for details. (1064)

  • Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. (1114)