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 Choice⁶ by maintaining  a monthly average relationship balance of $50,000. 

AROUND THE CLOCK. AROUND YOUR COMMUNITY.

$50 Grace Zone¹

No fee if you overdraw your checking by $50 or less. We’ve got you covered!

Money Monitor⁷

Set budgets. Track spending. Grow your money. Find it in Associated Bank Digital.

Actionable Insights⁷

An unexpected bill? Subscription price changes? Get money-smart alerts, 24/7

Debit Card Controls⁷

Lost your card? Lock it. Found your card? Unlock it. Real-time control from our app.

Free Overdraft Protection Transfers¹

Need a funds fill-up? Automatically move money from your other Associated Bank accounts. No fee, no charge.

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, 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.

  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. Balance inquiry and 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. 

  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 here for full terms and conditions of Early Pay. 

  4. Interest on checking account is paid on the daily collected balance.

  5. Associated Choice Checking receive two out-of-network ATM owner surcharge fee refunds per statement cycle, up to $20.

  6. 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.

  7. 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.