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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: An account that introduces additional banking benefits with qualifying balances.

The Simple+ account includes:

  • No Monthly Service Charge when you maintain a minimum Average Monthly Balance2 of $2,500 in your Simple+ account or a $10,000 minimum balance in any combination of linked Astoria deposit accounts on your statement cycle date

  • Minimum Opening Deposit of $100

  • Visa® Debit Card with EMV Chip Technology

  • Online Banking and Telephone Banking

  • Mobile Banking3

  • A competitive interest rate on your balance

  • Withdrawals from non-Astoria Bank ATMs with no Astoria Bank fee when you maintain the minimum balance requirement

  • $500 closing cost discount with a new Astoria Bank residential mortgage4

  • Overdraft protection - Link your savings account through our Bounce Protection Program5 or apply for a line of credit

  • $50 Bonus6 after you initiate a recurring Direct Deposit on your account at any branch

  • First basic checkbook order free7

  • 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.

1. Must maintain the minimum balance requirement. Certain fees may be assessed by other financial institutions or retail companies for use of their ATMs or terminals.

2. 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.

3. 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.

4. 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.

5. There 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.

6. 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 Simple+ checking account is $100. As of 09/01/2016, the Annual Percentage Yield (APY) is 0.05% for all balances in the Simple+ checking account. Rates 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.

7. Checks must be ordered from Astoria Bank, through our vendor.

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

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