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ASB wants your banking experience to be easy and pleasant. For this reason, we have provided these conveniently located links to assist you in obtaining the answers you need.
Frequently Asked Questions
How do I open an account to start banking with ASB?
Print the application form using Acrobat Reader. Once you've selected the type of account you wish to open, complete the application, sign it, and mail it to ASB along with your initial deposit. Or, if you don't have printing capabilities, email us, and we will mail you an account application along with the proper disclosures. All ASB checking and savings accounts require an opening deposit of $100. The various accounts are described when you click on Learn at the top of this page, then follow the link to our products page.
How do I set up additional accounts if I'm already a ASB customer?
Print the application form. Choose what type of account you wish to open, indicate that you are an existing customer, then sign the form and mail it to ASB. If you don't have printing capabilities, email ASB, and we will mail you the necessary information.
How long does it take to set up my account, and how long before I can begin banking?
Once you return the completed account application and initial deposit to ASB, we'll send you a Welcome Packet with an account number, temporary PIN for Online Banking, and the required disclosures. Once you receive this information (usually within 5 business days), you may begin banking.
What equipment do I need to get started with Online Banking?
Any computer or internet appliance can access Online Banking. A home computer that runs Windows 3.1, Windows 95 or 98, or Mac OS 7.0 or greater with a modem is sufficient. You will need an active account with an Internet Service Provider (ISP), and a web browser software program from either Netscape or Microsoft Internet Explorer, versions 4.0 and above with 128-bit encryption. See our Getting Started page for convenient links to download this software at no charge.
What if I have a question about my ASB account?
Please contact ASB by email or telephone. Visit our Contact Us for complete information on how to get in touch with us.
How do I access my account on the internet?
After ASB has received and approved your Online Banking Enrollment Form, we will issue you a temporary PIN. Once you've received your PIN, simply click on the "Log On to My Account". Our website is available 24 hours a day, 7 days a week for your banking convenience.
How do I access my account without using the internet?
ASB has four convenient locations in Ackley, Geneva, Iowa Falls and Story City to serve you. Banking hours are listed on the Contact ASB page on this web site. Our 24-hour Touchtone Banker service allows you to retrieve account information via telephone whenever you need it. Contact the bank to have your password established, then phone toll-free 1-888-847-2651 for account information. Touchtone Banker allows you to transfer funds, check balances, see if a specific check has cleared, and make payments to ASB loans.
Where do I send my deposits?
Mail to:
ASB
P.O. Box 149
Ackley, Iowa 50601
To inquire about direct deposit options, telephone or email ASB. If your employer offers a direct deposit of payroll, GNB can receive your deposits electronically.
What if I forget my Online Banking password?
Contact ASB via email or telephone. To maintain the security of our Online Banking site and the confidentiality of your account information, we will issue a new temporary password only by mail or to you in person.
How do I obtain a ShazamChek card?
ShazamChek is available with ASB checking accounts. Simply indicate on your Account Application that you wish to apply for a ShazamChek or ATM card. The fee is $1 per month. If you are an existing customer, contact us, and we will send you an application.
How do I begin paying bills with Online Banking?
Sign up for ASB's BillPay service by completing the Online Banking Enrollment Form, and indicate that you wish to use the BillPay option. You need to have a ASB checking account to use this service.
How often do I receive statements on my account(s)?
All ASB checking and Money Market account holders receive monthly statements. Savings account and Certificate of Deposit account statements are produced semi-annually.
Online Banking FAQ's
How do I get started using Online Banking?
Once you have completed the Online Banking enrollment form, returned it to ASB, and had your user code and temporary password assigned, you are ready to begin. First, click on the Logon button. Next, type in the User Code that we have assigned you in the "User Code" box. Press the tab key and type in the temporary password assigned to you, and then click on "Submit" to validate security and open the secure area of the web site. The Online Banking introduction page will come up on your screen, and then you can click on the Accounts button to view your accounts.
What if I forget my Online Banking password?
No one but you has record of the password that you have established. If you forget the password, please contact ASB by telephone (515-847-2651 or 1-800-864-4689) so that a new, temporary password can be issued. If you attempt to log on to Online Banking 3 times with the incorrect password, you will be "locked out" of the system. Please phone the bank to have your access restored.
How do I log off when I've completed my Online Banking transactions?
There is no "log off" button on the screen. Simply click on the "x" in the upper right hand corner of the Online Banking screen to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again. It is extremely important that you close the Online Banking site properly to protect the privacy of your account records from anyone else who may be using your computer.
What if I can't see all the account information on my screen at once?
ASB's Online Banking page is best viewed with Internet Explorer, version 5.0, with a screen resolution of 800 x 600 pixels. To set your screen resolution to 800 x 600, go to Start, then Settings, then Control Panel, then Display, and finally, Settings. If your screen can't be re-set, you will need to scroll right to left and up and down to see the entire text of each page..
What information is included under Checking and Savings Account inquiries?
Your checking and savings account inquiry is separated into three sections: Current balance, Interest information, and Activity information. Interest information includes interest paid current year, interest paid last year, and interest rate. Activity type includes all credits and debits on the account, including balance last statement, amount of last deposit, and amount of last check.
Can I have 24-hour access to my accounts?
ASB's website is available 24 hours a day, 7 days a week for your convenience.
How frequently is my account information updated?
Continually. ASB provides real-time Online Banking, so you will see the results of overnight processing, as well as deposits or withdrawals memo-posted to your account throughout the day.
What do the names at the bottom of the Online Banking page mean, such as Premier e-com? Premier e-com is the name of the Internet banking product developed by Information Technology Inc., and used by FiServ of West Des Moines, IA. FiServ is ASB's core data processor. The Veri-sign logo assures Online Banking users that ASB is using a secure web site for Online Banking. Secure web sites are registered with Veri-sign for authenticity.
What if I am unable to connect with the Online Banking site?
If you receive a message that your browser is unable to locate the server, first confirm that you are able to access other Internet sites successfully. If not, contact your Internet service provider for assistance. Next, confirm that the www.ackleystatebank.com address you typed is correct. If that doesn't correct the problem, then it may mean the Online Banking site has unexpectedly gone off-line. In this case, please phone ASB at 1-800-864-4689, or simply try your request again at a later time.
After using Online Banking, I was prompted to log on again. Why did it ask for my user code and password a second time?
This is a security feature designed for your protection. If several minutes elapse without a request from you, then the system ends your session and does not allow further transactions until you enter your user information again. This ensures that others cannot perform transactions on your computer in the event you forget to properly exit Online Banking.
How does ASB's BillPay work?
Your payments are electronically transferred from your ASB checking account to your payee's account. If the party you owe is not set up for electronic transfer, a check is sent through the U.S. Mail.
When should I set up my payments to make sure they are paid on time?
ASB's BillPay service will eliminate the time-consuming chore of writing and mailing checks, but you still need to provide enough lead time so your payments arrive on time. We suggest you set the payment date at least five (5) business days in advance of the due date to allow for processing. (do not include Saturdays or Sundays in your calculations) If your payment due date is a weekend day, use Friday as your payment date.
Can I determine my bill payment date using the "late date" or "grace period" shown on my bill?
No. Always use the "Due Date" when determining your BillPay payment date.
How will I know when payments have been made?
Through Online Banking, you will be able to view your checking account activity on screen and see any bill payments made. The payment will also be shown on your monthly bank statement.
What about the payment stubs included in some bills to be returned with payment?
You will not need them. All of the information your payee needs to process your payment will be provided by ASB when the payment is made. Keep in mind that you will need to provide the proper information to ASB when creating a payment, including your account number with the payee, the payee's phone number, and a description of the payment.
Do I need to contact my payees to tell them I'm using an Online BillPay service?
It's not necessary. Payees will not notice any difference, except that your payment will no longer by by personal check.
Should I enter my BillPay information in my paper check register?
Yes, just as you would enter the information for an ATM withdrawal or a regular check payment to provide for easy checkbook reconciliation.
What happens if I don't have enough money in my ASB checking account to cover a BillPay?
You need to maintain sufficient funds in your checking account to cover the payments you authorize.
BILLPay FAQ's
How does ASB's BillPay work?
Your payments are electronically transferred from your ASB checking account to your payee's account. If the party you owe is not set up for electronic transfer, a check is sent through the U.S. Mail.
When should I set up my payments to make sure they are paid on time?
ASB's BillPay service will eliminate the time-consuming chore of writing and mailing checks, but you still need to provide enough lead time so your payments arrive on time. We suggest you set the payment date at least five (5) business days in advance of the due date to allow for processing. (do not include Saturdays or Sundays in your calculations) If your payment due date is a weekend day, use Friday as your payment date.
Can I determine my bill payment date using the "late date" or "grace period" shown on my bill?
No. Always use the "Due Date" when determining your BillPay payment date.
How will I know when payments have been made?
Through Online Banking, you will be able to view your checking account activity on screen and see any bill payments made. The payment will also be shown on your monthly bank statement.
What about the payment stubs included in some bills to be returned with payment?
You will not need them. All of the information your payee needs to process your payment will be provided by ASB when the payment is made. Keep in mind that you will need to provide the proper information to ASB when creating a payment, including your account number with the payee, the payee's phone number, and a description of the payment.
Do I need to contact my payees to tell them I'm using an Online BillPay service?
It's not necessary. Payees will not notice any difference, except that your payment will no longer by by personal check.
Should I enter my BillPay information in my paper check register?
Yes, just as you would enter the information for an ATM withdrawal or a regular check payment to provide for easy checkbook reconciliation.
What happens if I don't have enough money in my ASB checking account to cover a BillPay?
You need to maintain sufficient funds in your checking account to cover the payments you authorize.
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