For Students
Welcome to Banking 101. (We think you’ll like it here.)
There’s nothing like college. But if there’s one thing we know, it’s this: there’s never enough time. In between classes, homework and having a social life, there’s very little time left to think about life — much less balancing your checkbook.
That’s where Banking 101 comes in.
We’ve designed several packages that are perfect for the busy student (that would be you.) These packages give you access to funds, help you pay your bills, start you on a path towards saving and keep you out of trouble with things like overdraft protection, parent-to-student transfer and more.
It’s easy. It comes with a guidance counselor (a.k.a. a banker). And it’s the perfect way to help you start your financial life. Three cheers for independence!
Quick Preview:
Student Packages include:
The Basics: Simply Free Student Package
- Free checking account
- Free Debit MasterCard® card with Rewards
- Free personal checks
- No ASB Fee at ATMs Nationwide
- Free Access to Over 10,000 ASB and MoneyPass Network ATMs
- Free Online Banking with Bill Pay
- Free Unlimited Withdrawals
- View and Print statements online through iStatements
The Grad Program: Premier Student Package
- Includes everything in the Simply Free Student Package, plus:
- Personal Premier Checking Account
- Personal Savings Account
- Free personal checks
- Free stop payments
- Free money orders
- Free cashier’s checks
- Free traveler’s checks
- Free small safe deposit box for one year, where available
- ¼% Rate Bonus on Fixed Rate CDs
- ¼% Rate Discount on Approved Non-Real Estate Loans
- Check images available
Other Smart Student Services include:
Online Banking with Bill Payer
You’re online anyway. So why not bank there? Online Banking gives you instant access to all of your accounts anywhere you can hop online. Laptop or desktop, you can do things like:
- Check balances
- See if a check has cleared
- Transfer funds
- Pay bills
- Order checks
- View and Print statements online through iStatements
- And more
Overdraft Protection
- An account that is maintained in good standing and open for at least 60 days may be eligible for the $600 overdraft protection for consumer accounts.
- Overdrafts may be created by check or in-person withdrawals, and withdrawals made at ATMs or other electronic means. The overdraft protection program may be accessed for overdrafts created by check or in-person withdrawal and fees are charged regardless of whether the item is paid or returned.
- American State Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds or if your account is not maintained in good standing; defined as:
- Bringing your account balance to a positive balance within every thirty (30) day period;
- You are not in default on any loan or other obligation to American State Bank;
- You are not subject to any legal or administrative order or levy;
- You are not in violation of any provision of any agreement with us;
- You have not died;
- You have not filed for bankruptcy or other insolvency relief; nor has an involuntary petition under the provisions of Federal Bankruptcy Act been filed against you, or
- You have not had an excessive number of overdrafts on your account.
The following fees apply to any transaction that may overdraw your personal checking account(s):
- NSF Paid Item Fee…$28 per item
- NSF Returned Item Fee…$28 per item
- Overdraft Fee…$15 per month
The following fees apply to any transaction that may overdraw your Simply Free Checking Account:
- NSF Paid Item Fee…$30 per item
- NSF Returned Fee Item Fee…$30 per item
- Overdraft Fee…$20 per month
Personal Banking
ASB loves Students.
At Texas Tech University, ASB is the only bank on campus. But anywhere there’s a college, you can be sure you’ll find us. From Midland College to ACU, Hardin Simmons to Odessa College, we’re there. Making it easier for you.
Meet us in person.
Sometimes it’s easier to talk about things in person. Sometimes it’s also easier if you bring your parents, so call us for an appointment. We’d love to meet you.
Phone: (800) 531-1401