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Overdraft Reserve & Debit Card Control

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We Have You Covered

Being prepared for the unexpected is always a good idea. Whether it’s an unexpected expense that causes you to overdraw your checking account, or you’ve lost your debit card, it’s important for you to have the tools to maintain control of your finances. If you’d like to learn more or enroll in our overdraft protection or debit card programs, call or stop by one of our locations. 

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Overdraft Reserve Protection Program

Our Overdraft Reserve service is a purely discretionary privilege that we may provide to you from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause. Our normal fee for non-sufficient funds (NSF) or overdraft (OD) items is currently $32.27 per NSF or OD item, as set forth in our fee schedule, and will be charged for each transaction initiated for payment from your checking account that does not have sufficient funds. Transactions that may cause or create overdrafts include checks; in-person (teller) withdrawal; ACH or automatic payments. Additionally, if you sign the opt-in authorization, you may be able to access your overdraft checking limit through an ATM or debit card purchase. The amount of any overdrafts including our fees that you owe us shall be due and payable immediately. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you.

If you have a savings account with American State Bank, you can set up an automatic funds transfer to your checking account when it has a negative balance.


Additional Debit Card Programs

CardValet® Debit Card Control

If you’ve ever lost your debit card, you know the feeling of panic that it brings. For those times, it is important to have a tool that can protect you. That’s exactly what you get with CardValet. With this program, you can:

  • Turn your card off if it has been misplaced and back on once it has been found
  • Receive alerts each time your card is used
  • Set spending limits based on transaction type, amount, and location

Additional CardValet benefits include:

  • Fraud Protection
  • Controlled Spending
  • Business Use
  • Finance Monitoring

All these features are FREE to American State Bank cardholders. Download the CardValet app today to get started!

Choose your app store to download the CardValet app to your device.

      

Premium Text Notifications

Anytime American State Bank’s fraud department flags a debit card transaction as suspicious, cardholders will receive a text asking them to verify the transaction as authorized or not authorized. If the transaction is authorized, by replying yes the transaction should be allowed to complete. If the transaction is unauthorized, by replying no, the card will immediately be closed stopping any future unauthorized transactions.  All American State Bank cardholders are automatically enrolled in Premium Texting if they have texting capability on their phone. Please be sure we have your current cell phone number on file so you can take full advantage of this service.*

*American State Bank does not charge for this service. However, message and data rates, which are typically charges assessed by your data provider, may apply.

Report a Lost or Stolen Card

To report a lost or stolen debit card after hours, please call: 833-337-6075.