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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 Start Account: An account for students, ages 13-24*, starting a banking relationship with Astoria.

Start is the perfect bank account for students ages 13–24, especially with no minimum balance requirements. The Start account includes:

  • No Monthly Service Charge 

  • Open an account with as little as $25

  • Up to four (4) ATM withdrawals per monthly statement cycle from non-Astoria Bank ATMs with no Astoria Bank fee1

  • Cash Card or Visa® Debit Card with EMV Chip Technology                                  (age requirements apply)

  • Online Banking and Telephone Banking

  • Mobile Banking2

  • $50 Bonus3 after you initiate a recurring Direct Deposit on your account at any branch

  • 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.

*This account is available only to students between the ages of 13-17 with a parent or legal guardian, as joint owner, and enrolled students ages 18-24. The month after you turn 25, this account will automatically convert to a Simple account or any comparable checking account available at that time.

Certain fees may be assessed by other financial institutions or retail companies for use of their ATMs or terminals.

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.

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. 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.

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

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