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On This Page
- At a glance
- Overall
- Associated Bank products
- Bank fees
- About Associated Bank
- Customer experience
- Review Methodology
At a glance
3.6
Rating: 3.6 stars out of 5
Bankrate Score
CDs
Rating: 3.8 stars out of 5
Checking
Rating: 4.3 stars out of 5
Savings
Rating: 2.3 stars out of 5
MMA
Rating: 2.5 stars out of 5
About Bankrate Score
Overview
Associated Bank is best for Midwesterners looking for a regional bank with a large branch network. Savers won’t find high yields at this bank, but they will find a convenient and highly- accessible checking account with a well-made digital banking experience.
Highlights
- Highly Rated App
Compare offers
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Member FDIC
Savings Account
5.10
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 4/23/2024
Rating: 4.7 stars out of 5
Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer:
BMO Alto
Member FDIC
Savings Account Details
5.10
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate4.96%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC.
Savings Account
5.25
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 4/23/2024
Rating: 5 stars out of 5
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer: No fees. Easy deposits and quick withdrawals.
Jenius Bank
Member FDIC.
Savings Account Details
5.25
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate5.25%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
No fees. Easy deposits and quick withdrawals.
Member FDIC
Savings Account
4.25
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 4/23/2024
Rating: 4.4 stars out of 5
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min. balance for APY
Promoted offer: It only takes about 5 minutes to open a fee-free account.
Capital One
Member FDIC
Savings Account Details
4.25
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate4.25%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
It only takes about 5 minutes to open a fee-free account.
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Member FDIC
Savings Account
4.7
Rating: 4.7 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.10
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 4/23/2024
$0
Min. balance for APY
Promoted offer
BMO Alto
Member FDIC
Savings Account Details
5.10
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate4.96%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC.
Savings Account
5.0
Rating: 5 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.25
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 4/23/2024
$0
Min. balance for APY
Promoted offer: No fees. Easy deposits and quick withdrawals.
Jenius Bank
Member FDIC.
Savings Account Details
5.25
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate5.25%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
No fees. Easy deposits and quick withdrawals.
Member FDIC
Savings Account
4.4
Rating: 4.4 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
4.25
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 4/23/2024
$0
Min. balance for APY
Promoted offer: It only takes about 5 minutes to open a fee-free account.
Capital One
Member FDIC
Savings Account Details
4.25
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate4.25%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
It only takes about 5 minutes to open a fee-free account.
Member FDIC
Savings Account
5.0
Rating: 5 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.15
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 4/23/2024
$0
Min. balance for APY
Promoted offer
EverBank
Member FDIC
Savings Account Details
5.15
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate5.02%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Member FDIC
Savings Account
4.9
Rating: 4.9 stars out of 5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bankrate Score
5.00
%
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
as of 4/23/2024
$0
Min. balance for APY
Promoted offer: Plus, no monthly fees and unlimited free external transfers
LendingClub
Member FDIC
Savings Account Details
5.00
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate5.00%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Plus, no monthly fees and unlimited free external transfers
Overall
Associated Bank offers a regional banking experience for customers in the Midwest. Although its branches are limited to just three states, Associated’s large ATM network extends its banking footprint past the Midwest, where the bank mainly operates. Interest rates are low for Associated Bank’s CDs, savings and money market accounts, and various fees apply, but they offer stellar checking accounts that make digital banking easy.
Pros
The checking account comes without monthly fees or minimum balance requirements and offers lots of great features.
Associated Bank is part of the MoneyPass ATM network and provides fee-free access to around 40,000 ATMs nationwide.
Digital banking features include Bill Pay and Zelle.
Cons
You must be a resident of one of these states to open a deposit account: Wisconsin, Minnesota, Illinois, Missouri, Ohio, Indiana, Michigan, Kansas or Iowa.
Savers can generally find higher yields elsewhere.
A plethora of account fees bogs down the banking experience.
Associated Bank banking products
2.3
Rating: 2.3 stars out of 5
Bankrate Score
Compare top savings rates
FEATURES
Associated Bank savings overview
Associated Bank’s Associated Savings account can be opened with just $10. There’s a $5 monthly maintenance fee that can be waived if you maintain a $300 minimum daily balance or have $25 or more in recurring automatic deposits per month.
Though the account is relatively easy to open, it pays a very low APY, regardless of how much money you deposit into the account. Moreover, the account is only available to residents in Wisconsin, Minnesota, Illinois, Missouri, Ohio, Indiana, Michigan, Kansas and Iowa.
Pros
There’s a low $10 minimum deposit to open the account.
The $5 monthly fee is easy to waive.
Cons
Much higher yields can be found elsewhere.
Associated Bank charges a $3.50 fee for using non-Associated ATMs after two free withdrawals per statement cycle.
This account can only be opened in select markets.
-
See how rates for this account have changed over time.Interact with the trend lines to view APY by date.
Associated Bank
APY
APY
National average APY
How do we get this data?
Associated Bank savings rates
Date
Associated Bank
APY
APY
National average APY
04/16/2024 0.10% 0.58% 04/09/2024 0.10% 0.58% 04/02/2024 0.10% 0.58% 03/26/2024 0.10% 0.57% 03/12/2024 0.10% 0.57% 03/05/2024 0.10% 0.57% 02/27/2024 0.10% 0.58% 02/20/2024 0.10% 0.58% 02/13/2024 0.10% 0.58% 02/06/2024 0.10% 0.58% 01/30/2024 0.15% 0.58% 01/23/2024 0.15% 0.58% 01/16/2024 0.15% 0.58% 01/09/2024 0.15% 0.58% 01/02/2024 0.15% 0.58% 12/26/2023 0.15% 0.57% 12/12/2023 0.15% 0.57% 12/05/2023 0.15% 0.57% 11/28/2023 0.15% 0.60% 11/21/2023 0.15% 0.60% 11/14/2023 0.15% 0.60% 11/07/2023 0.15% 0.60% 10/31/2023 0.15% 0.58% 10/24/2023 0.15% 0.58% 10/17/2023 0.15% 0.58% 10/10/2023 0.15% 0.58% 10/03/2023 0.15% 0.58% 09/26/2023 0.15% 0.57% 09/19/2023 0.15% 0.57% 09/12/2023 0.15% 0.57% 09/05/2023 0.25% 0.57% 08/29/2023 0.25% 0.54% 08/22/2023 0.25% 0.54% 08/15/2023 0.25% 0.54% 08/08/2023 0.25% 0.54% 08/01/2023 0.25% 0.54% 07/25/2023 0.25% 0.54% 07/18/2023 0.25% 0.54% 07/11/2023 0.25% 0.54% 06/27/2023 0.25% 0.49% 06/20/2023 0.25% 0.49% 06/13/2023 0.25% 0.49% 06/06/2023 0.25% 0.49% 05/30/2023 0.25% 0.46% 05/23/2023 0.25% 0.46% 05/16/2023 0.25% 0.46% 05/09/2023 0.25% 0.46% 04/25/2023 0.25% 0.44%
Compare Offer
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Member FDIC
Savings Account
5.10
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 4/23/2024
Rating: 4.7 stars out of 5
Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$0
Min balance for APY
BMO Alto
Member FDIC
Savings Account Details
5.10
%
APY
$0
Min balance for APY
Offer rate as of4/23/2024
Interest rate4.96%
Minimum to avoid fees$0
Monthly fees$0
Check writingNo
Promoted offer:
3.8
Rating: 3.8 stars out of 5
Bankrate Score
Compare top CD rates
FEATURES
Associated Bank CD overview
Associated Bank offers standard CDs with 13 terms to choose from, but also has a 12-month add-on CD, a 30 day mini jumbo CD and two special CDs. The standard CDs can be opened with $1,000 or $5,000, and some terms offer solid and even high yields, though most of the offerings are lackluster. Only the special seven- and 13-month CDs offer highly competitive APYs, but those require at least $5,000 to open.
The CDs here automatically renew, but you have a 10-day grace period after maturity where you can withdraw your funds without penalty. Also, Associated Bank charges hefty withdrawal penalties for CDs with terms of two or more years.
Associated Bank’s CDs aren’t available in all markets.
Pros
Special CDs with high yields are available.
A large swath of terms are available, ranging from three months to five years.
The 12-month add-on CD requires just $100 to open.
Standard CDs can be opened with $1,000, which is reasonable.
Cons
Associated Bank offers really low yields for its standard CDs.
Withdrawal penalties are high for CDs with terms of two years or more.
The special CD requires at least $5,000 to open.
Compare Offer
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Member FDIC
CD
4.90
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 4/23/2024
Rating: 4.9 stars out of 5
Bankrate CD rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
$500
Min. deposit
1yr
Term
Marcus by Goldman Sachs
Member FDIC
CD Details
4.90
%
APY
$500
Min. deposit
1yr
Term
Offer rate as of4/23/2024
Minimum deposit$500
Promoted offer:
2.5
Rating: 2.5 stars out of 5
Bankrate Score
Compare top money market rates
Associated Bank money market overview
The Associated Select Money Market Account requires $1,000 to open. The account is tiered, so the more money you deposit the higher APY you’ll earn. However, you earn the same amount on all balances after you surpass $25,000 in deposits. The yields on this account are low; higher yields can easily be found elsewhere.
There’s a chunky $16 monthly maintenance fee if your daily balance falls below $1,000.
Pros
Interest is credit and compounded monthly.
The MMA can be opened with $1,000.
Cons
Higher yields can be found elsewhere.
$25,000 is required to earn the top APY.
The monthly maintenance fee, though waivable, is high.
4.3
Rating: 4.3 stars out of 5
Bankrate Score
Compare top checking rates
Associated Bank checking overview
Associated Bank offers multiple checking account options to choose from, but the one reviewed and scored for this section is the Associated Access Checking. There’s no minimum deposit requirement and no monthly maintenance fees. This account doesn’t earn interest.
Access Checking comes with all the bells-and-whistles of modern digital banking, including functionality to make mobile deposits, send money through Zelle and pay bills through Bill Pay.
There’s an overdraft grace zone that’ll cover you up to $50 without incurring a fee. If you surpass that, you’ll be charged a maximum of two $32 overdraft fees (higher than the national average) per day. However, you can link your checking account to a savings account or line of credit to avoid overdrawing your account.
Pros
Access Checking comes with all the bells-and-whistles of digital banking.
There are no monthly fees.
There are no balance minimums.
Cons
This is a checkless account; if you’re tied to using checks, this isn’t the account for you.
Access Checking doesn’t earn interest.
Compare Offer
Offers featured here have been sponsored by our partners, which impacts how, where, and in what order the products appear.
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
Banking services provided by Coastal Community Bank, Member FDIC
Checking Account
5.00
%
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY
APY, or annual percentage yield, is the yearly return on a bank or investment account.
As of 4/23/2024
$0
To open
$0
To avoid fees
One
Banking services provided by Coastal Community Bank, Member FDIC
Checking Account Details
5.00
%
APY
$0
To open
$0
To avoid fees
Offer rate as of4/23/2024
Minimum to avoid fees$0
Monthly fees$0
Overdraft/NSF fees$0
Out of network ATM fee$3
Has online accessYes
Bank fees
| Fee | Charged? |
|---|---|
| Overdraft fee | $32 |
| Non-sufficient funds fee | None |
| Monthly maintenance fees | $0 - $20 |
| Out-of-network ATM fee | $3.50* |
| Excessive transaction fee | None |
*For savings and money market accounts, the first two withdrawals per statement cycle are free.
About Associated Bank
Headquartered in Green Bay, Wisconsin, Associated Bank was established in 1874 as Kellogg-Citizens National Bank of Green Bay. The bank remains focused on the Midwestern region of the U.S., offering a large variety of consumer and business deposit accounts, plus corporate and commercial services in addition to investment management.
Associated Bank has nearly 200 branches located in Wisconsin, Minnesota and Illinois, but its offerings extend to all residents of Missouri, Ohio, Indiana, Michigan, Kansas and Iowa, too. In other words, you need to live in one of these nine states to open an account.
Customer experience
Customer service. Customers can speak with representatives over the phone on Monday through Friday, from 7 a.m. to 9 p.m. Central time, and Saturdays from 8 a.m. to 5 p.m. Central time. The bank is closed on Sunday and holidays, but you can use their automated telephone banking service 24/7, which lets you check your account balance and transactions, in addition to making transfers and reporting lost or stolen debit cards. Along with its own fleet of ATMs, Associated Bank is part of the MoneyPass network, which boasts approximately 40,000 ATMs nationwide.
Digital experience. Associated Bank’s app is highly rated on both the Apple App Store and Google Play Store. Through the mobile app, you can make mobile deposits, make peer-to-peer transactions via Zelle and pay your bills via Bill Pay.
Review methodology
With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
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