You’ve Got This. We’ve Got You.

For additional account details, please refer to the Deposit Account Agreement, the current Deposit Account Rate sheet, the applicable Checking Product Disclosure or product information brochure for other fees that may apply to your deposit account, including overdraft, stop payment or other charges. (1275)

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)

To use Credit Monitor, eligible customers with an Associated Balanced Checking or Associated Choice Checking account 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 the Credit Monitor information page. (1485)

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)

Overdraft grace zone – An Overdraft Fee will not be charged if account is overdrawn $50 or less for most personal checking accounts. For eligible Associated Choice Checking customers, no overdraft fee will not be charged if account is overdrawn $100 or less for Platinum Choice, or $250 or less for Emerald Choice, and no overdraft fees will be charged for Emerald Private Choice. 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)

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)

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

Associated Choice Checking customers receive two out-of-network ATM owner surcharge fee refunds per statement cycle, up to $20. Platinum Choice, Emerald Choice and Emerald Private Choice have unlimited refunds per statement cycle of ATM owner surcharge fees. (1299)

You must meet and maintain enhanced Choice Checking benefit tier qualifications for Platinum Choice, Emerald Choice, or Emerald Private Choice, listed on the Associated Choice Checking Product Disclosure, to obtain enhanced benefits. Calculations are completed at the end of the calendar month, if qualifications are met benefits will start within 45 calendar days. (1419)