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Personal Checking


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MasterCard® Debit Card with $0 Liability Protection (1) (6) (12)
Free Free Free
Online Banking with Text Alerts (8) Free Free Free

BIll Pay with eBill (12)

Free-Unlimited Free-Unlimited Free-Unlimited
Mobile Banking (8)
Free Free Free

Mobile Check Deposit (8)

Free Free Free
Minimum Opening Deposit
$50 $50 $50
Checks Standard Pricing Free custom wallet checks (2) Free custom wallet checks  (2)
Monthly Statement (10) No check images
No check images With imaged checks
Earns Interest No Earns interest each day a $500 balance is maintained Earns interest each day a $500 balance is maintained
Official Bank Checks Standard pricing Standard pricing Free (3)
Overdraft Protection Line of Credit Rate (1)
Standard pricing Standard pricing 0.5% reduction off current rates (1)
Safe Deposit Box (9) 
Standard pricing
Standard pricing
Free small size box when available or credit towards a larger box
Stop Payment Order Standard pricing
Standard pricing
One free per year
ATM Fees Standard pricing. For students under age 24, ASB ATM fees refunded up to $10 per month  (5)
Standard pricing
ASB ATM fees refunded up to $10 per month(11)
Monthly Maintenance Fees

$8 per month

Reduce or eliminate monthly fee by the following:

Receive a $6 credit by meeting ONE of these requirements:

  • Maintain $500 minimum daily balance
  • Have 15 debit card purchases(4)
  • Student under age 24 (5)

Receive $2 credit by signing up for paperless statements(7)


$15 per month.

Eliminate the monthly fee by meeting ONE of the following:

    • Maintain minimum daily combined balances of $5,000 or more in ConnectStyle, savings, money market, or certificate of deposit accounts


    • Maintain a $20,000 minimum daily principal balance in an Asheville Savings Bank home mortgage or Equity Line of Credit

Other ConnectStyle Benefits:

  • 0.50% rate reduction on vehicle and other installment loans(1)
  • $150 off home mortgage closing costs(1)

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Checking Accounts

Whether you use your checking account once a day, or just once a month, we have a full range of diverse checking accounts and supporting services.

All Asheville Savings Bank checking accounts come with the following benefits - all at no extra charge to you.

Benefits in Every Checking Account:

Click here to download and print an account comparison sheet with information on all of our Personal Checking account options.

(1) Loan and Debit Cards subject to approval

(2) Limit two (2) boxes per year

(3) Limit one per day

(4) Debit card purchases must settle during monthly statement cycle. ATM transactions are not considered purchases.

(5) Upon request a student waiver will be applied to the account if the student meets both of the following requirements: must be under the age of 24 during the entire statement cycle and be enrolled in high school, college, university or a vocational program. Students may be required to show proof of enrollment. 

(6) $0 liability protects you if your consumer Debit Card is lost, stolen or used fraudulently. Applies only to purchases processed through MasterCard®.

(7) Sign up for, receive and view eStatements, which includes acceptance of the online terms and conditions. If your Asheville Savings Bank Online Banking is inactive for 90 days, this service will be discontinued and you will be unable to receive eStatements. This will result in the Paperless Statement Credit Rate NOT being met.

(8) Subject to approval. Wireless carrier fees may apply. There is a 30-day waiting period after new account opening to activate Mobile Check Deposit.

Mobile Check Deposit limits: Limit $2000 per item, $3000 daily and a total of $5000 per month. In addition, there is a limit of 5 checks per day and 15 checks per cycle. A cycle is defined as 20 consecutive business days.

(9) Safe Deposit Box contents are not FDIC insured.

(10) Upon request, images available at no charge with electronic statements or for a small monthly fee with paper statements.

(11) ATM refunds up to $10 per month for transactions performed at a non-Asheville savings Bank ATM. Fees from the other financial institution may still apply.

(12) Overdraft charges may apply on the account if funds are not available.



For general inquiries contact us at:
800 222 3230 | | PO Box 652, Asheville, NC 28802

Copyright 2017. First Bank is doing business as Asheville Savings Bank until March 16, 2018.