Additional Checking Account Information

For current rates, contact us or your local banking office.

Account Availability
All product offerings may not be available in every Associated Bank location. Check with your Associated Banker for current product offerings at your local bank office.

Additional Account-Related Fees
Please see the Miscellaneous Services schedule for other fees that may apply to your Associated deposit account, including non-sufficient funds, stop payment and other related charges. The Miscellaneous Services schedule can be obtained at any Associated Bank location.

Things to Note on Our Interest Bearing Accounts

Interest rates and Annual Percentage Yields (APYs)
APYs are published on the Associated Bank rate sheet, available at your Associated Bank office. Specific interest rate information on your account will be provided prior to opening an interest-bearing account. Interest rates and APYs on interest-bearing checking are variable, may vary by market, and may change at our discretion. Interest is calculated using the daily balance method. This method applies a daily periodic rate to the collected principal balance in the account each day. Interest is compounded and credited based on a 365/366-day year. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees applied to your account may affect your earnings.

Business Use of Personal Accounts
The Bank reserves the right to convert a personal account to a business account when the account is being used for business purposes. Examples include when the printed checks for the account include a "doing business as" (d/b/a) designation or when the deposit being made to the account includes credit card drafts and/or checks made payable to a business. You will receive a notice regarding a conversion of your personal account to a business account.

Inactive Checking Accounts
Checking accounts not used or idle for 12 months or more, with balances of $250 or less, will be changed to an Advantage Checking account subject to the monthly maintenance fee in effect at the time regardless of customer age or other relationship.

Combined Statements
If your savings and/or money market account(s) are added to a combined statement, the service charge period will be changed to match the primary account for that combined statement. Interest (if applicable) will post at the frequency originally disclosed, based on the cycle date of the lead account. If you combine two or more checking accounts on the same statement, check safekeeping is required on all but the primary statement account. To simplify your life, request a combined statement by calling 1-800-682-4989, seven days a week, 24 hours a day, or use our secure message form Contact Us.

Easy Access. In addition to writing checks, you can access your funds in a variety of ways:

	Free Online Account Access. Check your balance, transfer funds and view check images online using Online Banking. It's a free service for all Associated retail checking accounts.
	ATMs. Deposit and withdraw funds or check your balance any time from convenient ATM locations, or enter your PIN at various merchant locations to pay for purchases. Click here to locate an ATM near you.
	Check Card*. Use your MasterCard® Check Card to pay for expenses directly from your checking account anywhere MasterCard® is accepted.
	Automated Account Access. Check your balance and transfer funds any time of the day with 24-Hour Telephone Banking. Click here for a regional listing of telephone banking numbers.

Convenience. With many locations throughout the Midwest, you're bound to be close to an Associated Bank office if you need to access your checking account in person. Click here to find an Associated Bank location near you. Our checking accounts offer many additional convenient features, including:

	Check safekeeping. As a free service to you, we'll store images of your cancelled checks. You won't have to store your old checks or destroy them. And if you're ever in need of a copy of a cancelled check, we can easily retrieve it for you. Or you can view your paid checks online with Online Banking. If you prefer to have your checks returned, that service is available for $8 per statement.
	Online Bill Payment. Pay your bills quickly and conveniently with our online bill payment option.
	No annual fee on an Associated Bank VISA® or MasterCard®*, to extend your daily purchasing power.

Security. Your checking account is a very personal thing. That's why we provide a number of security features on all of our checking accounts:

	Optional overdraft protection* to protect you from unexpected expenses or miscalculations. To learn more about our Checking Reserve Line, ask an Associated banker for details and a current brochure or click here to apply.
	Passwords and Personal Identification Numbers (PINs). Your ATM card, Check Card, Online Banking and access to 24-Hour Telephone Banking have personalized security features to protect your account from unintended use.

For additional details about our deposit products, please refer to the Deposit Account Information brochure, a current rate sheet and our Miscellaneous Services schedule, which are available at any Associated Bank location.

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*Subject to credit approval.