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Personal Additional Services
Overdraft Protection Privilege Program
Avoid the embarrassment of an overdraft with Overdraft Reserve®.
Overdraft Reserve® is a service for checking accounts in good standing. Overdraft Reserve® may cover overdrafts up to $300 for personal regular checking accounts and up to $500 for interest earning personal checking accounts. If you use Overdraft Reserve, the bank will deduct its normal overdraft charge per item.
Savings Overdraft Protection transfers funds automatically from your savings or money market account to your checking account when it has a negative balance. Transfers are limited - refer to account disclosure.
To opt-in for either of these services, contact your local branch.
Additional Services
American State Bank also offers customers these additional services. Fees apply, but may be waived or reduced based on the type of checking account you have. View the checking product table to see a list of services included with each type of account.
Safe Deposit Boxes
Traveler’s Checks
Personal Money Orders
Cashier’s Checks
Wire Transfers
Stop Payments
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Deposit and loan products offered by American State Bank, Member FDIC, Equal Housing Lender.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a IInoninterest-bearing transaction accounts" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term IInoninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts· (1I10LTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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