Keeping It Simple and Easy

We like to keep our accounts simple and easy. We give you what you really want and need without all the fuss and muss. We also disclose all our fees online so it's clear and transparent to you.

Check out our account comparison below, then stop in or call us to find out more about opening your free checking account.


OTCU Checking Chase Total Checking Associated Bank Checking
Access to Thousands of ATMs
Online banking, bill pay, and mobile banking
Fee to Use Someone Else's ATM No charge for any inquires or transfers.
2 free withdrawals each month, then $2.00 thereafter. Fees from the ATM owner still apply but can be avoided by using one of our Alliance One partner ATM's.
$2.50 for any Inquiries, Transfers or Withdrawals while using a non-Chase ATM in the U.S., Puerto Rico and the U.S. Virgin Islands. Fees from the ATM owner still apply Our Consumer Deposit Account Fee schedule, which are available at all of our Associated Bank branch locations. Please see the Consumer Deposit Account Fee schedule for other fees that may apply to your Associated deposit account, including overdraft/non-sufficient funds related charges, stop payment and other charges.
Monthly Service Fee None. Zip. Zilch. Nada. $12

$0 Monthly Service Fee when you have any ONE of the following:
Direct Deposits totaling $500 or more made to this account
a $1,500 minimum daily balance in this account
an average daily balance of $5,000 or more in any combination of qualifying linked deposits/investments

The $11 monthly service fee is waived with one of the following:
$1,000 minimum daily balance
$2,500 in combined balances (deposits and/or investments)*2
Direct deposit a total of $500 or more per statement
Be under the age of 24 and go paperless with eStatements
Minimum Balance None. See above (Monthly Service Fee). See above (Monthly Service Fee).
Money Order $1 each $5 each Fees not posted on website.
Cashiers Check* $1 each (*Teller Check) $8 each Fees not posted on website.
Insufficient Funds / Returned Items $30 each $34 each (details) Fees not posted on website.
Annual Fee for Debit Card $12 None None