Associated Bank Reviews

Green Bay, WI

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Edited by: Tammy Burns

About Associated Bank

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Associated Bank is a regional bank in the Midwest. It offers checking and savings accounts, loans, mortgages and investment services, making up over 1.3 million customer accounts. With over 200 branches in Wisconsin, Illinois and Minnesota, it’s ideal for Midwesterners in search of a regional bank that offers face-to-face service and a wide range of products.

Pros
  • Wide range of products
  • Large ATM network
  • Some high-yield CD options
  • Branch locations
Cons
  • Only available in nine states
  • Monthly fees for many accounts
  • Offers no-interest savings account
  • Some rates not available on website

Helpful Reviews

Minneapolis, MN
Verified purchase
Associated double-charged me and imposes outrageous overdraft fees. Their customer service is frustrating — Representatives can’t answer basic questions. I have never felt taken a...

Read more

Brillion, WI
Verified purchase
Have had great experiences with paying the loan. Interest rate is okay, but could be better. Will be trying to get it lowered soon. Only problem I have had is lost payments in the...

Read more

What is Associated Bank?

Associated Bank is a regional bank that has been serving customers in the Midwest since 1861. It offers a range of financial products and services, including checking and savings accounts, loans and investment options. Its large ATM network makes accessing cash convenient, and its mobile app and online banking platform provide easy account management options.

Associated Bank is a popular choice for those seeking a trusted and reliable banking partner in the Midwest. Although its branches are only located in Wisconsin, Illinois and Minnesota, it services customers in these nine states:

  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Michigan
  • Minnesota
  • Missouri
  • Ohio
  • Wisconsin

How does Associated Bank work?

Associated Bank offers customers a range of convenient ways to access its financial services. This includes over 200 branch locations in the Midwest, as well as online and mobile banking options.

To ensure the security of customer information, Associated Bank uses advanced technology to protect against fraud and identity theft. It’s also a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are insured up to the maximum amount allowed by law.

Associated Bank products and services

You’ll find several banking and lending options at Associated Bank, including the following.

Checking accounts

Three of the most notable checking accounts offered by Associated Bank are its Access Checking, Balanced Checking and Choice Checking accounts.

Access Checking
Access Checking has no minimum balance requirement or maintenance fee, and it offers an overdraft grace zone. This allows an account holder to overdraft their account up to $50 without paying an overdraft fee. However, it doesn’t come with check-writing privileges and there’s a $4 monthly fee unless you enroll in paperless statements.
Balanced Checking
Balanced Checking offers personal checks and a $50 overdraft grace zone. It has a $4 monthly fee that’s waived when you enroll in paperless statements. It also has a $9 monthly maintenance fee, but it’s waived if you maintain a $1,000 minimum daily balance or meet other fee-waiving criteria.
Choice Checking
Choice Checking has the added benefit of an Associated Bank World Debit Mastercard. Non-network ATM fees are waived, and it has a $50 overdraft grace zone. There’s a $25 monthly maintenance fee, but it’s waived if you have at least $10,000 in combined deposit account balances or hold either a Health Savings Account (HSA) or an investment account with Associated Bank.

Savings accounts

Associated Bank offers several savings accounts with different features.

Associated Savings
The Associated Savings account has a $25 minimum opening deposit and a $5 monthly fee. However, you can avoid this fee by maintaining a $300 minimum daily balance, making at least $25 in monthly automatic deposits or being under the age of 18.
Associated Zero Interest Savings
The Associated Zero Interest Savings account also requires a minimum opening deposit of $25 and has a monthly maintenance fee of $5. However, it does not earn any interest, which is unusual for a savings account.
Associated Relationship Savings
The Associated Relationship Savings account has a $25,000 minimum opening deposit and a $10,000 minimum daily balance to avoid its monthly maintenance fee of $20. But it offers enhanced rates if linked to an unlocked Platinum Choice Checking account.

Associated Select Money Market

The Associated Select Money Market account requires a minimum opening deposit of $1,000. Its interest rates increase as the account balance grows, and it offers convenience checks and ATM access. Enhanced rates are available if combined with an unlocked Platinum Choice Checking account.

Certificates of deposit

Associated Bank’s certificates of deposit (CDs) come in two different varieties: regular term CDs and fixed-rate add-on CDs.

Regular term CDs have a minimum $1,000 opening deposit and terms ranging from three months to five years. The add-on CD has a 12-month term and a $100 minimum opening deposit, with the option of making additional deposits throughout its term. It’s designed for those who can’t meet the minimum deposit of a regular term CD.

In addition, Associated Bank offers promotional rates on seven-month and 13-month CDs, with a competitive annual percentage yield (APY) of 4% (as of publication). However, these promotional CDs require a minimum $5,000 opening deposit.

Business accounts

Associated Bank offers a variety of accounts for small businesses, including three checking accounts, savings and money market accounts, CDs, credit cards and loans.

Loans

Associated Bank’s lending arm is robust, offering customers personal loans, mortgages, student loans and more. Mortgage options include conventional loans, VA loans and FHA loans.

Credit cards

You’ll find a number of personal credit cards at Associated Bank. Some are unsecured credit cards that earn rewards or cash back. Others are secured cards designed for those who are trying to establish or build their credit.

Associated Bank fees

Not all of Associated Bank’s checking and savings accounts have maintenance fees. But some accounts charge monthly fees ranging from $5 to $25 for account holders who don’t meet account activity requirements or maintain a minimum balance.

In addition to monthly fees, Associated Bank charges the following:

  • $6 per withdrawal beyond six permitted monthly withdrawals for money market and savings accounts
  • $2 per non-network ATM withdrawal
  • $32 per overdraft
  • $15 per domestic incoming wire transfer
  • $25 per domestic outgoing wire transfer
  • $15 per international incoming wire transfer
  • $45 to $90 per international outgoing wire transfer
  • $5 per money order

Associated Bank FAQ

What are Associated Bank’s customer service hours?

Associated Bank’s customer service is available by phone on weekdays from 6 a.m. to 10 p.m. and on Saturdays from 8 a.m. to 7 p.m. Central Time.

Does Associated Bank use Zelle?

Yes, Associated Bank uses Zelle for person-to-person payments within its mobile app and online banking platform.

Can I open an account at Associated Bank if I have bad credit?

A bad credit score shouldn't affect your approval chances for Associated Bank’s checking, savings or money market accounts. But it will hurt your chances of approval for unsecured credit products, like credit cards, loans or lines of credit. Associated Bank offers secured credit cards for those looking to rebuild credit.

Where is Associated Bank available?

Associated Bank’s products are available to residents of nine states in the Midwest: Wisconsin, Minnesota, Illinois, Michigan, Ohio, Indiana, Missouri, Kansas and Iowa. However, it only has branches in Wisconsin, Illinois and Minnesota.

Still have questions?

Is Associated Bank legit?

Associated Bank is the largest Wisconsin-based bank, and it has been in operation since 1861. It offers a range of financial products and services, including checking and savings accounts, loans and investment options, and it has a large ATM network for convenient access to cash.

Associated Bank may be best for individuals living in the Midwest who are looking for a local bank with a wide range of products and services, and who value the convenience of a large ATM network. However, its rates and fees might not be as competitive as those offered by top online banks.

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Associated Bank Reviews

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    Page 1 Reviews 0 - 10
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    Staff

    Reviewed Feb. 4, 2026

    They steal from their customers and like to help companies like PayPal and Google commit fraud. They also add overdraft fees after they steal your money. They close accounts without the legally required notifications.

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    Punctuality & Speed

    Reviewed Oct. 23, 2025

    They offered a cash bonus to open a checking account. Before opening, I verified with a banker that my RMDs would qualify for the direct deposit requirement. 3 months later, they said differently - and verbal means nothing, of course. I can't bank where I can't trust.

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      Customer ServiceCoverageTechPricePunctuality & SpeedBillingLoan ProcessRatesHonesty & Transparency

      Reviewed Aug. 26, 2025

      If I could have rated zero stars, I would have. What a complete and utter sham this so called "business" is. My dad had a loan with this bank that was outrageous (after two years of making payments on a 2019 Ford Escape, he still owed more than the car was even worth). He passed away on March 29th. I reported his death on March 31st and indicated I would like to voluntarily surrender the car. They told me that in order to do that I would need to send them the paperwork that appointed me the surrogate of his estate. Fine. Well, in NJ that takes up to 2 months. Those awful people called me EVERY SINGLE DAY from March to June about the delinquent payments. They even called me on my work phone, which was a number that I never gave them.

      After telling them REPEATEDLY that I was not the borrower and did not owe them a dime and that I could not do anything until the estate paperwork was in order, they would apologize and claim to put a note in my file so that I would no longer get calls. What a joke- they still called every day. When I finally got the paperwork, I overnighted it to them and then they proceeded to send my dead father a nastygram letter claiming he breached his contract and they "forcibly removed the car from his property." Um, it was in a garage, I asked them to come take it and we made an appointment for them to do so, so there was nothing forcible about it- and at that point they very well knew he died months earlier. To add insult to injury they then tried to file a claim with my dad's insurance claiming the car was damaged when they towed it away- a complete and utter lie because the car was in pristine condition. STAY AS FAR AWAY FROM THESE PEOPLE AS POSSIBLE.

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      Reviewed Aug. 19, 2025

      I have been banking at associated bank for a few years and haven’t had many issues. As I have been attempting to scale my business they have been giving me the hardest time depositing checks. One branch can be a fix all but the rest refuse to follow suit. Almost as if they all operate independently. In the last 2 months associated bank has been an ABSOLUTE NIGHTMARE for my business. For personal it’s not that bad but anything business related I would steer clear.

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      Customer ServiceStaff

      Reviewed July 29, 2025

      Associated double-charged me and imposes outrageous overdraft fees. Their customer service is frustrating — Representatives can’t answer basic questions. I have never felt taken advantage of more from a bank.

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      PriceStaffBillingLoan Process

      Reviewed July 9, 2025

      If I could give 0 I would. I got stuck with this bank through an auto loan. I have excellent credit (795). This is the only bank that makes it nearly impossible to actually pay your loan. Every month I log in it makes me change my password, freezes. Glitches. Never saves any banking info (account or routing #) constantly freezes, doesn’t let you know if your payment even went through for days. I’m going to refinance just to never have to deal with this joke of a bank. If you have a choice DO NOT use, if you’re stuck with it through a loan tell them to find someone else. It’s not worth the hassle.

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      Customer ServiceContract & TermsCoverageBilling

      Reviewed May 30, 2025

      A customer for nearly two decades. Had to open a new business account. Made 1 payment out for startup, no issues. No overdrafts. Before I can even start getting money in Associated sends a letter stating they're closing the account, no reason given other than "our agreement says we can". Call customer service to see if it's a mistake - Nope, they're closing it because they can and there's no one else to talk to about it, the decision is final and that's it. I'd advise doing anything important with them since they can send your life into limbo on a whim and not tell you why.

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      Customer ServiceStaffHonesty & Transparency

      Reviewed Aug. 24, 2024

      Banking 30 years now I’m done. They are rude liars. You’re a number not a person. Green Bay Wisconsin is the worst banks ever. I have Alzheimer’s disease, and I lose my wallet sometime I went to the bank with my copied Wisconsin State license of whom three different associated banks have always accepted my copy of my license. Also local law enforcement state law, law enforcement, all law, law enforcement, and United States of America as well as federal law enforcement around the world all accept a copy of your license. The bank tried to tell me their policy, is it up to them if they want to give you your money or not if you can’t prove who you are.

      I prove to them and also ask them to call the other banks that know me. They refuse to call the other bank. They gave me a policy booklet that was a bunch of baloney and would not give me my money money from my account, even though will accept my copy of my license that I keep my vehicle at all times for times like this, what if you’re disabled and that and the police department local law enforcement state law enforcement federal government accept license this bank definitely should.

      I will be taking this to a higher level that was treated by the manager of the Oneida St., Associated Bank in Green Bay Cody the bank Manager Wisconsin bank manager was rude aggressive. He was argumentative rude, nasty right along with with his Associates at the Associated Bank on oneida Street in Green Bay Wisconsin. I will be sure to email the board members of Associated Bank that they don’t care about older people and disabled people. They are really sick and nasty.

      I am done with them after 30 years of business, there are other banks that will treat me good and listen when I tell them that my license is taken by the federal and state government with no problem and local law enforcement. They just make up the rules as they go along. They just hoard your money. They lie to your face, they’re bad people to deal with. I hope they get taken over by a bigger bank. End up living in a dumpster for crimes that commit against disabled, elderly people and their families.

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      Customer Service

      Reviewed Aug. 9, 2024

      Stay away from this dump! Month after month I need to call them and tell them how to do their job. These scumbags couldn't lead an army of ants to a piece of bread. I'm ready to drive my truck right through their front door and tell them to keep the goddamn thing. First chance I get to get the hell away from them I will!! Do not, I repeat DO NOT deal with them! STAY AWAY FROM ASSOCIATED BANK!!!

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      Customer ServicePricePunctuality & SpeedBillingLoan ProcessTimeliness

      Reviewed July 17, 2024

      Called to find out what loan options I had for financing some major improvements on a rental property. I was told someone would call me tomorrow. At 9:30 the next day someone calls asking for me. I I'd myself and he apologizes because our appointment was for 10 am. Huh? I wasn't given a specific time. I told him it was OK to talk now. No, he says, "I have an appointment with someone else now." I'm thinking, OK, stuff happens. The phone rings at 10 am. It is the same number that rang at 9:30 am. The voice at the other end is stammering and it is readily apparent he has no idea who he called! I identify myself and he apologizes for HIS confusion. He proceeds to offer options that are not even close to being competitive. I thanked him and said it was less expensive to put my planned improvements on my credit card. Given how unorganized and confused this man was, I had no confidence in what he was telling me nor did I have confidence in the quality of their products. He was the 4th lender I called so I indeed had timely comparisons and he wasn't even in the ballpark!

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      Associated Bank Company Information

      Company Name:
      Associated Bank
      Website:
      www.associatedbank.com