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Astoria Bank
Smart Checking

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Checking Accounts: simple, convenient and so much more.

A checking account for every stage of your financial life.

Wherever you are in life - whether just starting out, building your career or planning a retirement strategy - Astoria has a personal checking account with valuable features and benefits designed to meet your financial goals.

Choose the best checking account for you. Compare the features and benefits for all Astoria Bank checking accounts.

Monthly Service Charge $0 $3 $10 $15 $15

    Start   Simple   Simple+   Select   Smart
Age Requirement   13-24   18+   18+   18+   18+
Minimum Deposit to Open   $25   $25   $100   $100   $100
Eligible for Monthly Service Charge Waiver            
Online Banking          
Mobile Banking 1          
Telephone Banking          
Eligible for a $50 Bonus After Enrolling in Direct Deposit 2          
Earns Interest              
Residential Mortgage Closing Cost Discount with a new Astoria Bank mortgage 3               8
Preferred Rate on Insured Money Maker Account (IMMA) 4               7   8
Safe Deposit Box Discount 5                
Non-Astoria Bank ATM Fee Rebates (charged by other financial institutions) 6                 8
Tier-structured Account with the most Features and Benefits                  
Reported investment balances** may be included in minimum balance requirements                  
    Full benefits >   Full benefits >   Full benefits >   Full benefits >   Full benefits >






1. To access your Astoria Bank accounts using the mobile banking services, you must be enrolled in Online Banking. You will need Internet access to use these services. Message and data rates may apply from your wireless carrier. Please check with your wireless service provider for details on its fees and charges.

2. To be eligible for the $50 cash bonus, direct deposit must be a new service for each customer accepting the offer. Limit one bonus per customer. Customers who have previously received a bonus are ineligible. A direct deposit is considered a recurring, pre-authorized deposit credited to the customers checking account via the Automated Clearing House (ACH). One-time ACH credits such as tax refunds, payments/transfers from other bank accounts, etc. do not qualify. Cash bonus is limited to $50 per customer regardless of how many direct deposits are initiated. Customers who currently receive direct deposit are not eligible to receive a cash bonus for direct deposits. The direct deposit must be credited within 90 days from the date the customer request is initiated with us. The minimum opening deposit for the for the Simple+, Select or Smart checking account is $100. As of 09/01/2016, the Annual Percentage Yield (APY) is 0.05% for all balances in the Simple+, Select or Smart checking account. ates are variable and subject to change. Fees may reduce earnings on the account. Bonus will be credited within thirty (30) days after receipt of the first direct deposit transaction. Account must be open when the bonus is credited. Cash bonus will be reported as interest for your account on IRS form 1099-INT. Offer can be revoked by Astoria Bank at any time. See branch for additional terms, conditions and restrictions.

3. Available with a new Astoria Bank residential mortgage, subject to qualification, approval and closing. Borrower must open an eligible Astoria Bank checking account at least fifteen (15) calendar days before the loan closing date and checking account must be open through the closing date. Limit one discount per customer and closing. Borrowers who have previously received this discount are ineligible.

4. IMMAs enrolled in the Smart package are not eligible to also receive the Select preferred IMMA rate.

5. Box is subject to availability. Any size box that has the annual rental fee debited from a Select checking account through Safe Deposit Box Auto-Pay, or is enrolled in a Smart package, will receive a discount of $20 off the annual rental fee. Only one discount per safe deposit box.

6. Select (with minimum balance) and tier 3 Smart customers receive a credit on their statement cycle date of $3 per withdrawal conducted at a non-Astoria Bank ATM up to a maximum of $15 per monthly statement cycle. Smart tier 4 customers receive unlimited credits on their statement cycle date of $3 per withdrawal conducted at a non-Astoria Bank ATM. This rebate may be reported on a 1099 – MISC form.

7. With a $10,000 Average Monthly Balance in Select Account.

8. Tiers 3 and 4 only.

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