Deposit Solutions

You must meet and maintain Private Wealth qualifications, listed on the Associated Private Banking Checking Product Disclosure and Fee Schedule, to obtain Private Wealth rates on select savings and money market accounts. For current rates, refer to an Associated Bank Deposit Account Rates Sheet or ask a banker for more information.

Associated Bank and MoneyPass® ATM use is free for Associated Bank customers. ATM owners outside of the Associated and MoneyPass networks may charge a fee. Associated Bank may charge a fee for using an out-of-network ATM. Balance inquiry and international fees may apply. Review your account disclosure and fee schedule for more details. MoneyPass is a registered trademark of Fiserv Solutions, LLC or its affiliates. 

Associated Bank offers a variety of mortgage products. Your Mortgage Relationship Discount (“Mortgage Discount”) may vary depending on the product for which you apply. Eligible Portfolio Loan Products include, but are not limited to: Adjustable Rate Mortgages (ARMs), Jumbo Loans, and Community Affordable Real Estate (CARE) Loans. For ARMs, the rate discount will apply to the initial rate period. To be eligible for the Mortgage Discount, you must meet three requirements:

A. Have or open an Associated Choice Checking or Private Banking Checking account (an “Eligible Checking Account”).

B. Have at least $50,000 in qualifying relationship balances on deposit (“Relationship Balance”) no later than 10 days prior to loan closing. This Relationship Balance will not include any funds needed for down payment on the mortgage transaction. Mortgage Discounts vary based on (1) the type of mortgage product the customer has applied for, and (2) the customer’s Relationship Balance held in any eligible account(s).

C. Authorize Associated Bank to automatically draw monthly mortgage payments from an Associated Bank checking account by completing and signing a “ML, ILN, and LOC Authorization” at the time of loan closing.

Accounts that contribute to your Relationship Balance include Associated Bank checking, savings, CD and IRA accounts; Associated Bank HSA accounts; select investment accounts with Associated Investment Services (mutual fund and brokerage accounts); revocable trust accounts that list you as the Trustee or Co-Trustee; and UTMA accounts of which you are the custodian. For a complete list of eligible and ineligible Relationship Balance accounts, please see the Associated Choice Checking Product Disclosure, available at AssociatedBank.com.

Interest rates, fees, eligible products, and mortgage discounts are subject to change without notice. Program eligibility is subject to loan type, Eligible Checking Account validation, and Relationship Balance validation. Speak to a loan officer for mortgage product details, including rates, applicable fees, terms and payment options. 

The “HELOC Discount” is a reduction in the margin applied to your Home Equity Line of Credit's variable rate. To be eligible for the HELOC Discount, you must meet three requirements:

A. Have or open an Associated Choice Checking or Private Banking Checking account (an “Eligible Checking Account”).

B. Have at least $50,000 in qualifying relationship balances on deposit (“Relationship Balance”) no later than 10 days prior to HELOC closing. Your specific HELOC Discount will depend on the total amount of your Relationship Balance. Speak to a loan officer for HELOC Discount details.

C. Authorize Associated Bank to automatically draw monthly mortgage payments from an Associated Bank checking account by completing and signing a “ML, ILN, and LOC Authorization” at the time of loan closing. Automatic payments are drawn based on the borrower’s payment preferences when the HELOC holds an outstanding balance.

Accounts that contribute to your Relationship Balance include Associated Bank checking, savings, CD and IRA accounts; Associated Bank HSA accounts; select investment accounts with Associated Investment Services (mutual fund and brokerage accounts); revocable trust accounts that list you as the Trustee or Co-Trustee; and UTMA accounts of which you are the custodian. For a complete list of eligible and ineligible Relationship Balance accounts, please see the Associated Choice Checking Product Disclosure, available at AssociatedBank.com.

The HELOC Discount eligibility is subject to account and balance validation when Associated Bank prepares your "Home Equity Line of Credit Agreement and Disclosure" for your signature. The HELOC Discount only applies to new HELOC customers, defined as customers without an existing Associated Bank HELOC on the subject property. HELOC rates are variable based on Prime plus or minus a margin and can change monthly. Speak to a loan officer for HELOC product details, including HELOC rates, margin calculation, applicable fees, terms and payment options. 

For more details, please refer to the applicable Product Disclosure for Funds Availability information. 

Ask your banker to link your accounts. Closing your checking account means applicable minimum balance requirements and maintenance fees will apply on the linked accounts.

Overdraft grace zone – An Overdraft Fee will not be charged if account is overdrawn up to $100 for Private Banking checking account customers. If an overdraft is paid by Associated Bank, a deposit must be made to bring the account back to a positive balance. Regular account requirements and fees for overdrafts will otherwise apply. Overdraft Protection Transfer service links your checking account with your other accounts at Associated Bank, including another checking account, savings account, money market account, Consumer Credit Card, Checking Reserve Line of Credit or Premier Line of Credit. There is no fee for this service, for more details on transaction limits and terms and conditions of these products, please refer to the Consumer Deposit Account Fee Schedule, applicable Checking Product Disclosure, What You Need to Know About Overdrafts and Overdraft Fees, Understanding Overdrafts and Your Options to Manage Fees or the Deposit Account Agreement.

Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears here. The depositor may exclude banks from eligibility to receive its funds. IntraFi, ICS, IntraFi Cash Service, CDARS, Certificate of Deposit Account Registry Service, IntraFi logo, and IntraFi hexagon are registered service marks of IntraFi LLC. 

Mastercard ID Theft Protection™, Extended Warranty, Purchase Assurance, Satisfaction Guarantee, Mastercard Global Service, and Mastercard Airport Concierge™ are provided through Mastercard Guide to Benefits. Certain terms, conditions and exclusions apply. See Mastercard Guide to Benefits for full details. 

This benefit is provided by Generali Global Assistance Inc. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-Mastercard.

Certain terms, conditions and exclusions apply. See here for full details.