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RETAIL BANKING >  PERSONAL BANKING > SAVING

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A rainy day, a fabulous vacation, a new home, a new car . . .

Whatever your reason for saving, an American Sterling Bank savings account will help you reach your goal.  Don’t forget our other investment accounts such as a Money Market or Certificate of Deposit! 

We also have a Financial Advisor available to discuss wealth management options.  Ask any of our personal bankers about scheduling a meeting.

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Personal Saving Accounts    
 

Sterling Solutions Package

No matter which Sterling Solutions savings account you decide to choose, we know you will enjoy sterling convenience and value with the Sterling Solutions Package of services linked to your savings account..

Online banking is provided for all accounts as well as an American Sterling Bank ATM/Visa Check Card and CLARA, our telephone banking access.  You will have 24/7 access to your account information and money.

You can use your VISA Check Card as an ATM card, a debit card, a check card or a VISA credit card.

You have direct access to your bank accounts 24 hours a day, 7 days a week with Online Banking. This service is "FREE" with American Sterling Bank accounts.

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Savings Account Comparison
Saving Account Types  Personal Dollar Express ATM Junior Sterling Investment
Opening Minimum Balance $100 $100 $25 $1,000
Monthly Minimum Balance $100 $100 $0 $1,000
Monthly Service Fee Free or $5 Free or $5 $0 Free or $8
Excess Withdrawal Fee > 6 in 6 Months $2 each $2 each $2 each $2 each
Interest Credited Semi-annually Semi-annually Semi-annually Quarterly
Interest Rate [See Rate Sheet] [See Rate Sheet] [See Rate Sheet] [See Rate Sheet]
Online Banking Free Free Free Free
Telephone Banking Free Free Free Free
Imaged Statements Free twice/year Free twice/year Free twice/year Free twice/year
Direct Deposits to Savings Free Free Free Free
Money Orders $2 each $2 each $2 each $2 each
Cashier Checks $3 each $3 each $3 each $3 each
Traveler's Checks $1.50/$100 $1.50/$100 $1.50/$100 $1.50/$100
Wire Transfers Received $10 each $10 each $10 each $10 each
Wire Transfers Sent $15 each $15 each $15 each $15 each
VISA Check Card Free Free Not Available Not Available
VISA Check Card Replacements $5 each $5 each Not Available Not Available
Notary Service Free Free Free Free
Online Banking Free Free Free Free
Telephone Banking Free Free Free Free
Imaged Statements Free twice/year Free twice/year Free twice/year Free twice/year
Direct Deposits to Savings Free Free Free Free
Money Orders $2 each $2 each $2 each $2 each
Cashier Checks $3 each $3 each $3 each $3 each
Traveler's Checks $1.50/$100 $1.50/$100 $1.50/$100 $1.50/$100
Wire Transfers Received $10 each $10 each $10 each $10 each
Wire Transfers Sent $15 each $15 each $15 each $15 each
VISA Check Card Free Free Not Available Not Available
VISA Check Card Replacements $5 each $5 each Not Available Not Available
Notary Service Free Free Free Free
Photocopies Free Free Free Free
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Personal Savings

A traditional savings plan that provides easy access to your funds.  Earn interest and watch your balance grow.  Just a small opening deposit gets the account started and you can set up automatic deposits to grow the funds even faster!  Ask your personal banker for more information on Direct Deposit and automatic transfers.

  • Low minimum to open

  • Low minimum balance to avoid fee

  • Interest compounded and credited semi-annually


Minimum Balance Requirements – You must deposit $100.00 to open this account.  A minimum balance fee of $5.00 will be imposed every month if the average daily balance for the month falls below $100.00.  You must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage yield. 

Transaction Limitations – You may make up to six transfers (withdrawals) from your account each statement period (six months), if made by pre-authorized or automatic transfer, telephonic or electronic agreement, order or instruction. Three of these may be made by check, draft, debit card or similar order and payable to third parties.  Transfers and withdrawals made in person, by mail or at an ATM are unlimited; however, a $2.00 fee per withdrawal will be charged for each withdrawal in excess of a total of six in a six-month period.

Rates in effect.
Contact Us Today!
Other Bank Services are available to you on a fee basis.
EASY Switch Kit makes it simple. Print, complete and sign the form. Send it to us.  We will take care of the rest.

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Dollar Express “ATM” Savings

Need 24-hour access to your savings?  Our Dollar Express ATM savings account gives you just that.  Better yet, tie your American Sterling Bank checking account to the Dollar Express ATM savings and have access to all your money all the time.

Your Dollar Express ATM savings allows you to earn interest and watch your balance grow.  Just a small opening deposit gets the account started and you can set up automatic deposits to grow the funds even faster!  Ask your personal banker for more information on Direct Deposit and automatic transfers.

  • Low minimum to open

  • Low minimum balance to avoid fee

  • Interest compounded and credited semi-annually

  • ATM/Visa Check Card

Minimum Balance Requirements – You must deposit $100.00 to open this account.  A minimum balance fee of $5.00 will be imposed every month if the average daily balance for the month falls below $100.00.  You must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage yield. 

Transaction Limitations – You may make up to six transfers (withdrawals) from your account each statement period (six months), if made by pre-authorized or automatic transfer, telephonic or electronic agreement, order or instruction. Three of these may be made by check, draft, debit card or similar order and payable to third parties.  Transfers and withdrawals made in person, by mail or at an ATM are unlimited however a $2.00 fee per withdrawal will be charged for each withdrawal in excess of a total of six in a six-month period.

Rates in effect.
Contact Us Today!
Other Bank Services are available to you on a fee basis.
EASY Switch Kit makes it simple. Print, complete and sign the form. Send it to us.  We will take care of the rest.

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Junior Savings Account

It’s never too early to teach our young people the importance of saving for their future and financial responsibility.  With our Junior Savings account, they can watch their money grow!  No minimum balance is required and interest is compounded and credited semi-annually.

  • $25 minimum balance to open

  • No minimum balance required

  • Interest is compounded and credited semi-annually

  • Semi-Annual Statements

Interest Information – This is a variable rate account.  Your interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account at any time and there are no maximum or minimum interest rate limits for this account.  There is no minimum average daily balance to obtain any disclosed annual percentage yield and if your account is closed before interest is paid you will not receive accrued interest.

Transaction Limitations – You may make up to six transfers (withdrawals) from your account each statement period (six months), if made by pre-authorized or automatic transfer, telephonic or electronic agreement, order or instruction. Three of these may be made by check, draft, debit card or similar order and payable to third parties.  Transfers and withdrawals made in person, by mail or at an ATM are unlimited however a $2.00 fee per withdrawal will be charged for each withdrawal in excess of a total of six in a six-month period.

Rates in effect.
Contact Us Today!
Other Bank Services are available to you on a fee basis.
EASY Switch Kit makes it simple. Print, complete and sign the form. Send it to us.  We will take care of the rest.

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Sterling Investment Account

A similar to our traditional savings plan that provides easy access to your funds, combined with a higher interest rate that is credited quarterly to your account.  Earn higher interest and watch your balance grow.  You can set up automatic deposits to grow the funds even faster!  Ask your personal banker for more information on Direct Deposit and automatic transfers.

  • $1,000 minimum to open

  • $1,000 minimum balance to avoid fee

  • Interest compounded and credited quarterly


Minimum Balance Requirements – You must deposit $1,000.00 to open this account.  A minimum balance fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00.  You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. 

Transaction Limitations – You may make up to six transfers (withdrawals) from your account each statement period (six months), if made by pre-authorized or automatic transfer, telephonic or electronic agreement, order or instruction. Three of these may be made by check, draft, debit card or similar order and payable to third parties.  Transfers and withdrawals made in person, by mail or at an ATM are unlimited; however, a $2.00 fee per withdrawal will be charged for each withdrawal in excess of a total of six in a six-month period.

Rates in effect.
Contact Us Today!
Other Bank Services are available to you on a fee basis.
EASY Switch Kit makes it simple. Print, complete and sign the form. Send it to us.  We will take care of the rest.

Go to Top

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