Loading
Tap on the profile icon to edit
your financial details.

Atlantic Stewardship Bank Review

Your Details Done
by Updated
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure
Atlantic Stewardship Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Atlantic Stewardship Bank started in 1985 and its headquarters are located in Midland Park, New Jersey. It owns assets of $925 million along with deposits totaling $765 million, ranking it as a medium-size bank. Atlantic Stewardship Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. We gave the bank a 4.3 stars out of 5, indicating that Atlantic Stewardship Bank is a solid contender in your bank search. Atlantic Stewardship Bank offers a complete suite of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, Atlantic Stewardship Bank's most basic checking does not have a monthly maintenance fee. Banks that offer free checking, in addition to a high savings APY are your best bet for gaining the most income on your deposits alongside convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

4.3/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.0
SmartAsset Average: 3.5

With a savings rate of 0.10%, Atlantic Stewardship Bank ranks poorly in comparison to the national average. Atlantic Stewardship Bank's one-year and five-year term lengths CDs earn at a rate of 0.50% and 1.70%, respectively, while its highest-yielding money market account has an APY of 0.05%. Given its below average savings rate, you should think about choosing another bank to earn more on your deposits.

How Atlantic Stewardship Bank's Savings Rates Compare

Atlantic Stewardship Bank Savings 0.10 National Average 0.26 Compare Offers
Back to Overview

Fees

5.0
SmartAsset Average: 4.4

Atlantic Stewardship Bank charges customers extremely low fees compared to the national average. With no monthly fee, Atlantic Stewardship Bank is ideal for those who want a simple banking experience. Atlantic Stewardship Bank unfortunately does not reimburse out-of-network ATM charges, meaning you'll need to locate an Atlantic Stewardship Bank ATM or accept the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
Back to Overview

Service Quality

4.2
SmartAsset Average: 3.7

Atlantic Stewardship Bank is a brick-and-mortar bank, with 12 total bank locations in New Jersey. With mobile and web apps, Atlantic Stewardship Bank makes mobile banking straightforward, even on the go. Atlantic Stewardship Bank gets great feedback from customers for its online presence. Out of 270 customer reviews on Apple and Android platforms, the Atlantic Stewardship Bank mobile app has an overall rating of 4.5 out of 5 (compared to the national average of 3.8). Atlantic Stewardship Bank's mobile app lets you control your bank accounts by reviewing monthly statements, transferring money as well as accessing support representatives. Atlantic Stewardship Bank gets a superb consumer satisfaction rating based on comparatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 4.5/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
Back to Overview

Financial Health

5.0
SmartAsset Average: 4.8

Atlantic Stewardship Bank ranks as a medium-size bank with $925 million in assets and $765 million in deposits. It has an excellent Texas Ratio of 1.19%, suggesting a low chance of failure. Additionally, Atlantic Stewardship Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare Atlantic Stewardship Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $50
Checking Account 0.75% APY $1
Certificates of Deposit
  • 12 Month: 0.50% APY
  • 24 Month: 1.11% APY
  • 36 Month: 1.26% APY
  • 48 Month: 1.51% APY
  • 60 Month: 1.70% APY
$1000 for all terms
Money Market Accounts 0.05% APY 0.05% APY $10000 $15000

Atlantic Stewardship Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Atlantic Stewardship Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Atlantic Stewardship Bank's CD rates are fair compared to the national average.

Back to Overview

Find a Atlantic Stewardship Bank Near Me

Atlantic Stewardship Bank has 12 locations in the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure