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If you used an external account to fund your new Astoria Bank account, you will need to verify your funds to complete your account set-up.

The Simple Account: A simple and easy-to-manage everyday account with low balance requirements.

If you’re looking for a basic no-frills account to meet your everyday checking needs, you’ve found it. Simple has all the basics and no Monthly Service Charge with low minimum balance requirements. The Simple account includes:

  • No Monthly Service Charge when you maintain an Average Monthly Balance of $250 or receive Direct Depositstotaling $250 or more during the current monthly statement cycle.

  • Minimum Opening Deposit of $25

  • Visa ® Debit Card with EMV Chip Technology

  • Online Banking and Telephone Banking

  • Mobile Banking1

  • $50 Bonus2 after you initiate a recurring Direct Deposit on your account at any branch

  • Overdraft protection - Link your savings account through our Bounce Protection Program3 or apply for a line of credit

  • The Security of FDIC Insurance


Contact us, call 1-800-ASTORIA (278-6742) and press option 3, or stop into your neighborhood branch – an Astoria Bank Personal Banker will be happy to help you.

1To 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.

2To 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. 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.

3There will be a Bounce Protection Fee which will be assessed against the Checking Account per transfer. The amount of the Bounce Protection Fee is set forth in Astoria Bank's Schedule of Charges & Availability of Funds Brochure. One transfer will be made to cover all overdrawn debits including checks, POS, ATM, and pre-authorized debits presented for payment from the Checking Account on a given day. If more than one debit is presented against insufficient funds and the transfer from the savings account (or account you designate to be your source account) is inadequate to pay all such debits, Astoria Bank in its sole discretion shall determine which debits shall be paid and which debits shall be returned for insufficient funds. The number of transfers from the Source Account is limited to 6 per cycle. An overdrawn debit for any reason and any amount will trigger the minimum Transfer Increment. For additional information, please request the Bounce Protection Disclosure statement from an Astoria Bank Personal banker.

*The Average Monthly Balance is calculated by adding together each daily closing balance throughout the monthly statement cycle and dividing this sum by the number of days in the statement cycle. A Direct Deposit is a pre-authorized deposit credited to the customer's checking account via the Automated Clearing House (ACH).

VISA is a trademark owned by Visa International Service Association and used under license.

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