What it does
Associated Bank Digital shows categorized checking and savings activity with clearer merchant descriptions. Card Controls handles debit-card locks and replacements. Access Checking provides a free account when you use paperless statements.
Search a category above the transaction list, choosing all fields. Open a transaction for its statement wording. Categories cannot currently be edited.
For cards, open account details and choose Card Controls. A lock still allows pending and recurring transactions. Joint cards sharing a number are affected together; use Report card as lost/stolen for replacement.
Checking costs
| Account | Opening deposit | Monthly maintenance fee |
|---|---|---|
| Access | $25 | $0 |
| Balanced | $100 | $9 before waivers |
| Choice | $100 | $25 before waivers |
Access has no ongoing balance minimum and charges $4 monthly for mailed statements. Balanced also charges $4 for mailed statements when the customer is under 65; Choice includes them.
Balanced fee-waiver options include a $1,000 minimum daily balance, $500 in direct or Associated mobile deposits per statement cycle, or qualifying account relationships. Choice can waive its fee with $10,000 in combined qualifying deposits or a qualifying health savings account (HSA) or investment account.
Opening an account
An application asks for personal details, including address, Social Security number, birth date and government-issued identification. Once approved, fund the opening deposit to begin using the account and digital banking. The bank also offers branch appointments.
Access suits someone who wants routine digital banking without meeting a balance or deposit target. The other accounts become more relevant when their added benefits and waiver rules match an existing banking relationship.
Strengths
- Category search helps reconcile activity with statement entries
- Card locking and replacement are available in account details
- Access has no monthly maintenance charge
Watch out for
- Automatic transaction categories cannot be customized
- Controls affect both joint cards when their numbers match
- Mailed Access statements cost $4 monthly
Best for
- Associated Bank customers reviewing spending and shared-card activity
Sources
- Associated Bank Digital FAQ: Categories and Card Controls (Oct 27, 2026)
- Associated Checking Comparison: Deposits, Fees and Statements (Oct 27, 2026)
- Associated Personal Checking: Application Details (Oct 27, 2026)