Atlantic Stewardship Bank


Overview / Commentary
201-444-7100
630 Godwin Avenue
Midland Park, NJ 07432

Atlantic Stewardship Bank is headquartered in Midland Park and is the 30th largest bank in the state of New Jersey. It is also the 818th largest bank in the nation. It was established in 1985 and as of December of 2018, it had grown to 133 employees at 12 locations. Atlantic Stewardship Bank's money market rates are 6X the national average, and it has an A health rating.

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25-Month Club CD, 3.25% APY, $500 Minimum - 4/18/2019

Only available to customers who belong to either the Premium or Sterling Club, both of which have a checking relationship requirement. Premium Checking is a rewards checking account earn 2.02% APY up to $25,000. Sterling Checking requires a direct deposit. Qualifying for the Premium Club is automatic if Premium Checking account are met. Qualifying for the Sterling Club includes meeting Sterling Checking requirements AND having a minimum $10,000 balance in Atlantic Stewardship Bank accounts (up to 5 accounts can be used to qualify).

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Reviews (3)

Great Service With Actual Interest

Posted by: tpld736 | Dec 30, 2011

I have been a Power Checking account customer for 3 years and am very satisfied ASB. In exchange for having to 1) direct deposit my paycheck, 2) make a minimum of 10 debit transactions and 3) accept only electronic statements (i.e., no paper), ASB provides free checking with no minimum balance, full monthly ATM refunds, and interest which is 15x what my former Wachovia/Wells Fargo checking and savings for balances up to $25k.  Also, despite me visiting the branch for an average of 4 times a year, everyone from the Branch Manager to the tellers know who I am.

Downsides include 1) limited branches - if you live in Bergen County, there are plenty, but outside of that not much coverage, 2) $6 for online bill pay (free online banking though), and 3) they are not on the technological cutting edge - if you're looking for ATMs on every corner, smartphone banking apps and deposit by smart phone pictures, you'll be disappointed.

That being said, I earned $600 of interest and was refunded $250 of other bank's ATM fees last year.  I think that's well worth it.

Customer Service

Posted by: Anonymous | Aug 10, 2011

By far the best customer service in the industry. The huge benefit of working with a small local bank!!

You Are Wasting Your Time Filling Out The Online Application

Posted by: Anonymous | Mar 31, 2010

You are wasting your time filling out the online application. A visit toa local branch is required to open the account.



Health

Health Grade Components

Overall
FDIC Certificate #26390
Year Established1985
Employees133
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD10.06%
Annual Interest Income$35.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$952.5MM$924.7MM
LoansQ4 2018vs Q4 2017$725.4MM$702.9MM
DepositsQ4 2018vs Q4 2017$784.2MM$764.6MM
Equity CapitalQ4 2018vs Q4 2017$97.9MM$91.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$7.9MM$8.8MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.5MM$1.2MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

25-Month Club CD, 3.25% APY, $500 Minimum

Carpline   |  
Only available to customers who belong to either the Premium or Sterling Club, both of which have a checking relationship requirement.

Premium Checking is a rewards checking account earn 2.02% APY up to $25,000.
Sterling Checking requires a direct deposit.

Qualifying for the Premium Club is automatic if Premium Checking account are met.
Qualifying for the Sterling Club includes meeting Sterling Checking requirements AND having a minimum $10,000 balance in Atlantic Stewardship Bank accounts (up to 5 accounts can be used to qualify).

Rates
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Always verify rates and promotions with the bank or credit union. We are not Atlantic Stewardship Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Atlantic Stewardship Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$15k*-Health Savings Account - Individual
OTHER TIERS: 0.05% $1k - $5k | 0.10% $5k - $15k
0.20%*$15k*-Health Savings Account - Family
OTHER TIERS: 0.05% $1k - $5k | 0.10% $5k - $15k
0.15%-$25kKid's Statement Savings
0.10%-$25kStatement Savings
0.10%$50$25kIRA Variable Rate Savings
0.10%--Business Statement Savings
0.10%--Forever Club

Atlantic Stewardship Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.42%*-$50kLeading Rate Money Market
OTHER TIERS: 0.20% $50k+
2.42%*-$50kBusiness Genesis Leading Rate Account
OTHER TIERS: 0.20% $50k+
1.91%*-$50kBusiness Leading Rate Money Market
OTHER TIERS: 0.20% $50k+
0.15%*$1m*-Premium Growth Accounts
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $1m
0.15%*$1m*-Business Premium Growth Accounts
OTHER TIERS: 0.05% Up to $50k | 0.07% $50k - $250k | 0.10% $250k - $1m
0.05%$1.5k-Atlantic Money Market Accounts
0.05%$1.5k-Business Atlantic Money Market Accounts.

Atlantic Stewardship Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*-$25kPremier Checking
OTHER TIERS: 0.20% $50k+ | 0.25% $25k - $50k
0.15%*$1m*-Genesis NOW Account
OTHER TIERS: 0.05% $2.5k - $50k | 0.10% $50k - $1m
0.10%*$50k*-Interest Bearing Checking
OTHER TIERS: 0.05% $5k - $50k
0.10%*$50k*-Business NOW Account
OTHER TIERS: 0.05% $1k - $50k
0.10%*$50k*-Sterling Checking
OTHER TIERS: 0.05% Up to $50k

Atlantic Stewardship Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$500$1m25 Month Club CD
3.20%$500$1mBusiness 25 Month Club CD
2.69%$500$1m25 Month CD Special
2.69%$500$1mBusiness 25 Month CD Special
2.53%$500$1m19 Month Power CD Special
2.53%$500$1mBusiness 19 Month Power CD Special
1.70%$500-60 Month Power CD
1.70%$500-Business 60 Month Power CD
1.51%$500-48 - 59 Month Power CD
1.51%$500-Business 48 - 59 Month Power CD
1.26%$500-36 - 47 Month Power CD
1.26%$500-Business 36 - 47 Month Power CD
1.11%$500-24 - 35 Month Power CD
1.11%$500-Business 24 - 35 Month Power CD
1.00%$500-18 - 23 Month Power CD
1.00%$500-Business 18 - 23 Month Power CD
0.70%$10k-30 Month Power Flex CD
0.70%$10k$250kBusiness 30 Month Power Flex CD
0.60%$10k-20 Month Power Flex CD
0.60%$10k$250kBusiness 20 Month Power Flex CD
0.50%$500-12 - 17 Month CD
0.50%$500-Business 12 - 17 Month CD
0.20%$500-180 - 364 Day CD
0.20%$500-Business 180 - 364 Day CD
0.10%$500-30 - 89 Day CD
0.10%$500-90 - 179 Day CD
0.10%$500-Business 30 - 89 Day CD
0.10%$500-Business 90 - 179 Day CD

Atlantic Stewardship Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.20%$500-25 Months Club IRA
2.69%$500$1m25 Month IRA Special
2.53%$500$1m19 Month Power IRA Special
1.82%$500-60 Month Power IRA
1.61%$500-48 - 59 Month Power IRA
1.51%$500-36 - 47 Month Power IRA
1.11%$500-24 - 35 Month Power IRA
1.00%$500-18 - 23 Month Power IRA
0.50%$500-12 Month IRA
0.20%$500-180 - 364 Day IRA CD
Locations

Availability

New York Area

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