Skip to Main Content Skip to Online Banking Navigate to Sitemap

Locations
Rates
Contact Us
Chat

Search AmeriServ Bank

Site Search

Search AmeriServ Bank

Personal
Save

Soar Statement Savings

Money Market Account

Eholiday Club Savings

Certificates Of Deposit

Individual Retirement Accounts

Spend

Find Your Checking Account

StudentLife® Checking

SimpleLife® Checking

ActiveLife® Checking

ComfortLife® Checking

Compare Checking Accounts

Borrow

Mortgage Loans

Meet Our Mortgage Team

Loan In A Line

Personal Loans

Personal Lines Of Credit

Vehicle Loans

Personal Credit Cards

Private Student Loans

Manage

Personal Online Banking

Personal Mobile Banking

Affinity Membership

PSEA Membership

Refer A Friend

Reorder Personal Checks

Switch Kit
Digital Banking

Pay your bills, track your spending, sign up for alerts, and more.

Get Started
Business
Save

Business Money Market

Business Soar Statement Savings

Business CDs

Business Sweep Services

Spend

UltraFlex Business Checking

Small Business Checking

Free Business Checking

Municipal Checking

Compare Business Checking Accounts

Borrow

Business Line Of Credit

Asset-Based Lending

Commercial Real Estate Loans

Term Loans

Business Credit Cards

Manage

Business Online Banking

Business Mobile Banking

Merchant Services

AmeriSolve™ Business Solutions

Cash Management

Fraud Prevention
Business Checking

Flexible money management designed to fit any business model.

Learn More
Wealth
Wealth Management

Personal Trust

Personal Estate Planning

Retirement Planning

Cemeteries & Funeral Trusts

Special Needs Pooled Trusts

The ERECT Funds

About Our Services

Our Wealth Management Team

Financial Services

Discover What’s Available

Financial Planning

Income for Life Model

Investment Management

Workplace Retirement Analysis

About Financial Services

Our Financial Services Team

AmeriServ Wealth Advisors

Managing Investments

Wealth Resources

About AmeriServ Wealth Advisors

Our AmeriServ Wealth Advisors Team
Contact Wealth Management

Advice and insights from people you can trust to reach your goals.

Get Started
Resources
Learn

Bank Chats Podcast

Financial Library

Online Financial Seminars

Tools

Mobile Apps

Digital Banking

Financial Calculators

Fraud

Overview

Elder Abuse

Scams

FAQ

Get Help
Financial Library

Tap into our library of resources to learn strategies for success.

Learn More
About
Explore

Our Community

Our Banking Team

Careers

Connect

Contact Us

Locations & ATMs

Investor Relations

Community Reinvestment Act
Community Banking

Your financial partner for life- right in your backyard.

About Us

Banking

Banking: Personal Banking Banking: Business Banking Banking: Register for Online Banking Banking: Credit Card Services

Wealth Management

Wealth Management: AmeriPlan Online Wealth Management: Client Portal Wealth Management: LPL Account View

AmeriServ Wealth Advisors

AmeriServ Wealth Advisors: Client Portal

AmeriServ Presents: Bank Chats

AmeriServ Presents: Bank Chats

Welcome to Bank Chats, our exciting new podcast series!

Listen Now

Menu

Locations
Rates
Contact Us
Chat

Soar Statement Savings Money Market Account Eholiday Club Savings Certificates Of Deposit Individual Retirement Accounts

Find Your Checking Account StudentLife® Checking SimpleLife® Checking ActiveLife® Checking ComfortLife® Checking Compare Checking Accounts

Mortgage Loans Meet Our Mortgage Team Loan In A Line Personal Loans Personal Lines Of Credit Vehicle Loans Personal Credit Cards Private Student Loans

Personal Online Banking Personal Mobile Banking Affinity Membership PSEA Membership Refer A Friend Reorder Personal Checks Switch Kit

All Personal

Business Money Market Business Soar Statement Savings Business CDs Business Sweep Services

UltraFlex Business Checking Small Business Checking Free Business Checking Municipal Checking Compare Business Checking Accounts

Business Line Of Credit Asset-Based Lending Commercial Real Estate Loans Term Loans Business Credit Cards

Business Online Banking Business Mobile Banking Merchant Services AmeriSolve™ Business Solutions Cash Management Fraud Prevention

All Business

Personal Trust Personal Estate Planning Retirement Planning Cemeteries & Funeral Trusts Special Needs Pooled Trusts The ERECT Funds About Our Services Our Wealth Management Team

Discover What’s Available Financial Planning Income for Life Model Investment Management Workplace Retirement Analysis About Financial Services Our Financial Services Team

Managing Investments Wealth Resources About AmeriServ Wealth Advisors Our AmeriServ Wealth Advisors Team

All Wealth

Bank Chats Podcast Financial Library Online Financial Seminars

Mobile Apps Digital Banking Financial Calculators

Overview Elder Abuse Scams FAQ Get Help

All Resources

Our Community Our Banking Team Careers

Contact Us Locations & ATMs Investor Relations Community Reinvestment Act

All About Us

Site Search

Search AmeriServ Bank

Home
Resources
Learn
Financial Library
Topics
Borrowing and Credit
BorrowingAndCreditArticles
What Is Interest

What Is Interest?

Interest makes a big difference in the money you earn and the money you owe.

Related Materials

Find us on social media

Facebook Twitter YouTube LinkedIn Instagram

Call Us

Find a Branch

Phone: 1.800.837.2265

Routing #: 031301066

AmeriServ Financial, Inc. is a full-service financial institution that focuses on personal banking, business banking, wealth management and financial planning. Take a closer look at how AmeriServ is able to assist with every step of life's financial journey through our personal checking, savings accounts, business checking, business lending, credit cards, home loans and more. Bank online or visit a convenient branch location in Pittsburgh, Meyersdale, Somerset, Derry, Central City, Johnstown, Seward, Windber, Nanty Glo, Ebensburg, Northern Cambria, Carrolltown, and State College , Pennsylvania and Hagerstown, Maryland.

Connect With Us

Contact Us
Branches & ATMs
Careers

Get to Know Us

About
Seminars
Investor Relations

Sitemap
Accessibility
Terms of Use
AmeriServ Privacy
Disclosures

© 2025 AmeriServ Bank. All rights reserved. Website by ZAG Interactive.

You are leaving AmeriServ Bank

You are leaving the AmeriServ Bank website.

External third-party web sites will be presented in a new and separate content window. AmeriServ Bank does not provide, and is not responsible for, the product, service, overall website content, accessibility, security, or privacy policies on any external third-party sites.

Please Take Note

Email is not a 100% secure method of communication.

Therefore, we remind you to avoid including confidential information - such as account numbers or social security numbers - in any email transmission. If you need to communicate this information, AmeriServ recommends contacting us by phone or visiting your local branch.

Click "Proceed" to open a new email message in your default email program.