Andover Bancorp, headquartered in Andover, Ohio, is an independent financial services company. Its subsidiary, Andover Bank, serves the communities of Andover, Ashtabula Harbor, Austinburg, Conneaut, Geneva, Jefferson and Pierpont, Ohio. It provides a full range of personal and commercial banking products. Its personal banking services include ATM and overdraft facilities, check cards, certificates of deposits, and safe deposit boxes. It also provides a variety of loans, such as personal, automobile, home equity, mortgage and education loans. The bank offers various types of accounts, including savings, checking, individual retirement, business and money market accounts. It provides a wide range of financial services, such as traveler s checks, personal money orders, debit and credit cards, and balance enquiries.