Andover Bank, serving Northeast Ohio, is a locally owned and independent community bank with eight full service banking centers located in Andover, Ashtabula Harbor, Austinburg, Conneaut, Geneva, Jefferson, and Madison Andover Bank provides a full range of personal and commercial banking products including consumer, mortgage, and commercial loans; checking, savings, certificates of deposit, IRA's, and safe deposit boxes Andover Bank a local, independent community bank in Northeast Ohio and serves the communities of Overdraft protection is available on all accounts with Ready Cash a personal line of credit which also provides overdraft protection or by signing up for Automatic Transfer from your Andover Bank Savings should an overdraft occur All Andover Bank checking accounts can be accessed through the STAR/PLUS ATM network with an Andover Bank STAR ATM card or MasterMoney Debit Card