Andrew G. Sall was born in Michigan and graduated from Holland High School in 1951. Andy then attended Michigan State University, earning an undergraduate degree in 1954, and later earning a Masters in Economics from the University of Michigan in 1955. Andy then served two years with the US Army in Korea before starting his banking career in the Twin Cities. Andy worked for First Bank St. Paul (U.S. Bank) for 27 years, working his way from a trainee to President. He concluded his career with Churchill Companies for 10 years.