Compare Checking Accounts1
As your life starts to change and your account begins to grow, upgrade to receive even bigger benefits.
Compare Checking
Accounts
Accounts
Select a category below to compare:
Service Fee
Preferred Rates on CDs
Earn Interest on Balances1
ATM Rebates1
Overdraft Fee Rebate
Visa's Zero Liability2
Kalo Design Checks1
Cashier Check Services3
Notary Services3
Incoming Wire Transfer Services3
Ready to take the next step?
- Direct deposit means electronic government or payroll deposits made to the account during the statement period. $20 Minimum Opening Deposit. We reserve the right to close an account that has a zero balance for 30 or more consecutive calendar days. An internet-enabled device is required to access Online Banking; enrollment required. Downloading the ASB Hawaii Mobile App is required for Mobile Check Deposit. Standard messaging and data usage fees apply; contact your mobile carrier for details. If you use an ATM within the U.S. that is not owned or operated by ASB, we will refund ATM withdrawal fees charged by either ASB or the other bank or ATM operator as shown in the chart above. Subject to applicable laws. Products, features, terms, and conditions may change. See Deposit Terms and Conditions for more information.
Kalo DeluxeSM: $25 Monthly Service Fee can be waived with $5,000 in direct deposits or combined personal monthly average deposit balance and outstanding loan balance of $30,000 or more. Deposit balances include checking, savings, money market, CD, and bank IRA balances. Loan balances include HELOCs and other consumer loans and lines of credit, except residential mortgage and credit card balances. Annual Percentage Yield (APY) 0.01% for balances less than $5,000 and 0.02% for balances over $5,000. APY as of March 1, 2026. Fees could reduce the earnings on the account.
Kalo PlusSM: $15 monthly service fee can be waived with $2,500 in direct deposits; or 10 point-of-sale debit card transactions per statement period; or combined personal monthly average deposit balance and outstanding loan balance of $10,000 or more. Eligible debit card transactions to waive the monthly service fee are in-store point-of-sale or online purchases made with your ASB Visa® Debit Card. Money transfers, ATM transactions, peer-to-peer transfers, micro-deposit, and check payments do not qualify. Valid purchases must post and settle to the checking account associated with the debit card within the statement cycle. American Savings Bank has the sole discretion to determine a qualifying debit card transaction. Merchants solely control when they post transactions, which may be on a date after the transaction itself. Deposit balances include checking, savings, money market, CD, and bank IRA balances. Loan balances include HELOCs and other consumer loans and lines of credit, except residential mortgage and credit card balances. APY 0.00% as of March 1, 2026. Fees could reduce the earnings on the account.
Kalo EssentialsSM: $5 monthly service fee can be waived with $1,000 in direct deposits or enrollment in eStatements. APY 0.00% as of March 1, 2026. Fees could reduce the earnings on the account. - The "Zero Liability Policy" is a Visa policy, which may be subject to change. For more information on eligibility, the dispute process, and other terms and conditions, visit https://usa.visa.com/pay-with-visa/visa-chip-technology-consumers/zero-liability-policy.html.
- Based on availability at selected branches. Visit our website at asbhawaii.com/locations for branches with availability.