Personal Checking
Ideal Checking
- First year free (no monthly service fee).
- Free Online Banking including the ability to view check images online.
- First order of ASB logo checks is free.
- Monthly statement includes a description of each transaction.
- Minimum Balance to Open the Account: You must deposit $25.00 to open this account.
- Minimum Balance to Avoid Service Fee: After one year from account opening date a monthly service fee of $10.00 will be imposed if the daily balance drops below $50.00 any day during the statement cycle.
Bonuses
- Your account will be credited $10.00 upon approval of a MasterMoney Debit Card.
- You will receive a $20.00 credit to your account, if within 3 months of opening your account, you sign up for Direct Deposit and the Direct Deposit has been credited to your account.You must inform us by contacting your local branch. Upon verification your account will be credited $20.00.
- Upon signing up for Payment Partner, our bill payment service, you will receive a leather CD holder (via the mail)
- The value of the bonuses may be reported as interest to the IRS and a 1099 may be issued at the end of the year.
Limitations
This offer is for new Ideal Checking accounts opened with new money. Transfers from existing accounts do not qualify. Only one (1) Ideal Checking account qualifies for bonuses. Applies only to personal accounts. This is a limited offer at the Bank's discretion.
Personal Checking
- A convenient way to pay bills and receive a monthly statement of activity.
- Minimum deposit of $25 to open
- Unlimited check writing
- A monthly service fee of $10 is assessed if the average daily balance falls below $500
- No per check fee
- Check images are returned in monthly statement
Now Account
- Interest bearing checking with all the features of our personal checking.
- Offers tiered interest rate based on entire balance:
- First Tier: $1,000 - $24,999
- Second Tier: $25,000 - $49,999
- Third Tier: $50,000 and up
- Interest rate is paid on entire balance, providing a $1,000 minimum balance is maintained in the account each day
- A monthly service fee of $10 is assessed if the balance falls below $1,000 any day of the month
- Check images are returned in monthly statement
55+ Checking
- Personal checking for customers at least 55 years or more.
- Initial deposit of $25
- No monthly service fee
- No per check fee
- Senior citizen discount offered on check purchases
- No fee for purchasing traveler's checks
- Check images are returned in monthly statement
NJ Consumer Checking
- Low cost basic checking for residents of the State of New Jersey.
- Minimum deposit of $25 to open
- Limit of eight (8) free checks per month, thereafter $0.50 per check
- Monthly service fee - $3
- Check images are returned in monthly statement
Sterling Lifestyle Club
- A package of financial services offered to customers 55 years or more.
- The Sterling Lifestyle Club Account is a multi-tiered interest bearing checking account:
- First Tier: $1 - $24,999
- Second Tier: $25,000 - $49,999
- Third Tier: $50,000 - $249,999
- Fourth Tier: $250,000 - $499,999
- Fifth Tier: $500,000 - $999,999
- Sixth Tier: $1,000,000 and up
- Interest is paid on entire balance, providing a $1.00 minimum balance is maintained in the account each day
- Must be 55 years or more.
- Minimum deposit of $1 to open
- Direct deposit of Social Security, payroll or pension into the Sterling Lifestyle Club Account is required
- Unlimited check writing – No per check fee
- Check images are returned with monthly statement
- Minimum daily balance of $10,000 must be maintained in the Sterling Lifestyle Club account or in linked accounts to avoid a $10 monthly service fee.
- A maximum of (5) five accounts may be linked. Linked accounts may include Checking, Statement Savings, Money Market, PGA, Certificates of Deposit and IRAs.
- Earn 0.30% over the current rates offered by Atlantic Stewardship Bank for 18 through 60 month Power Certificates of Deposit
- With the Sterling Lifestyle Club Card, you’ll receive many additional services:
- Personalized ASB logo checks - Free
- Debit Card - Annual Fee Waived
- ASB Credit Card – Annual Fee waived for all ASB customers
- Free Online Banking
- Free Telephone Banking
- Traveler’s Checks – Fees Waived
- Official Bank Check – Fee Waived
- Notary and Medallion Guarantee Services – Free
- Coin Counting Machine Service – Free
- Discounts on Safe Deposit Box Rentals (not at all locations)
Student Survival Kit
The Student Survival Kit has everything college students need to manage finances at home or away at school.
- A financial package of services offered to students attending secondary education programs.
- Free Checking for six years from the date the account is opened
(After first six years a monthly service fee of $10 may be assessed if the average daily balance falls below $500) - First order of basic checks free
- Unlimited check writing ability with no per check charges
- MasterMoney Debit Card - annual fee waived
- Ready Reserve overdraft protection - available
- Young Adult Visa Credit Card - available
- Online Banking with Check Images
- Statement Savings account
- E-Statements available
- Phone Banking
