To apply for an SBA loan, visit a branch and we'll help you complete the application process.

• You may transfer funds to your other ASB accounts with Online Banking for Business.  Log in or enroll in Online Banking >.

• Withdraw funds using your special Business PowerLine checks. To order checks, please visit a branch.

• Photovoltaic (PV) system

• Solar water heater system

• Solar PV water heating system

• Solar air-conditioning (A/C) system

• Battery bonus back up/storage system

• Copies of recent paystubs for one month and most recent W-2 statement if your income is from a salary

• Copies of award letter or most recent 1099 if your income is from Social Security or pension

• Copy of current monthly account statement if your income is from 401(k) distribution, IRA distribution, or annuity

• Copies of last 2 years’ U.S. Individual Income Tax Returns with all schedules if:

  • You file Schedule C, E, and/or F, and/or

  • Your bonus, commission or tips income accounts for 25% or more of your annual income

• Copies of last 2 years' U.S. Business Tax Returns with all schedules and K-1's if you own 25% or more of a corporation or partnership

• If the subject property is part of a Condominium Property Regime then please provide:

  • Name of condo project

  • Amount of monthly maintenance fee

Setting up automatic transfers including loan payments is easy with Online Banking. Click here to learn how >

You may also use the Automatic Payments and Transfers form to set up automatic transfers to or from your accounts. If you are withdrawing from a non-ASB account, you will need the account number and routing number, a voided check, or a copy of your statement. Return the form to any branch or mail to:

American Savings Bank
Attn: ACH Services
PO Box 2300
Honolulu, HI 96804-2300

We need 5 business days from the date of receipt of your form to set up, change, or cancel your transfer. For loan payments we will send you a letter confirming the start date of your first automatic payment. Please continue to make your payments until you receive your confirmation letter.

To cancel automatic transfers, complete Section II of the Automatic Payments and Transfers form and submit it to us at least 5 business days before the scheduled cancel date. For your automatic transfers to continue without interruption, complete Section I of the form and return it in at least 5 business days before the scheduled transfer date. For more information, visit common forms.

Yes, on the Automatic Recurring Transfers form select the Minimum monthly payment + additional principal of $__________ option. You can make additional payments and apply them towards your principal balance. The additional amount you provide will not change until you notify us in writing.

Depending on what type of loan you have, your first payment will be due about 30 days after the date of your loan.

Wondering what Personal Unsecured Loan funds can be used for? With affordable interest rates, the possibilities are almost endless. Put your loan funds towards the purchase of new items, refinancing an existing loan, or as a way to affordably cover a sudden emergency. Some of the things you can use a Personal Unsecured Loan include:

• Weddings: Getting married is expensive, but a Personal Unsecured Loan from ASB helps you and your partner plan the wedding of your dreams.
• Home Remodels: Whether you’re sprucing up a small bathroom or redoing the kitchen, use a Personal Unsecured Loan to get the funds to pay contractors without draining your savings.
• Debt Consolidation: Pay off expensive credit card balances, outstanding medical bills, and other high-interest debt with a new Personal Unsecured Loan. Enjoy the simplicity of one convenient monthly payment.
• Emergency Expenses: Cover the cost of unexpected medical expenses or car repair work using loan funds to save on interest costs from other financing options.

Setting up automatic transfers including loan payments is easy with Online Banking. Click here to learn how >

You may also use the Automatic Payments and Transfers form to set up automatic transfers to or from your accounts. If you are withdrawing from a non-ASB account, you will need the account number and routing number, a voided check, or a copy of your statement. Return the form to any branch or mail to:

American Savings Bank
Attn: ACH Services
PO Box 2300
Honolulu, HI 96804-2300

We need 5 business days from the date of receipt of your form to set up, change, or cancel your transfer. For loan payments we will send you a letter confirming the start date of your first automatic payment. Please continue to make your payments until you receive your confirmation letter.

To cancel automatic transfers, complete Section II of the Automatic Payments and Transfers form and submit it to us at least 5 business days before the scheduled cancel date. For your automatic transfers to continue without interruption, complete Section I of the form and return it in at least 5 business days before the scheduled transfer date. For more information, visit common forms.

Yes, on the Automatic Recurring Transfers form select the Minimum monthly payment + additional principal of $__________ option. You can make additional payments and apply them towards your principal balance. The additional amount you provide will not change until you notify us in writing.

Monthly payments will begin one (1) month from the date of your Note and continue on the same day of each following month. However, if there are lesser number of days in the month than the date of the Note, then your payment will be due on the last day of that month

For example, the payment due date for the month of February will be on the 28^th (29th for Leap Year) when your monthly payments are due on the 29^th, 30^th or 31^st of the month.

Your account becomes overdrawn when you make a withdrawal (typically made by check, debit card, ATM card, or electronic payment) for an amount greater than the available balance in your account.

We offer the following overdraft protection programs that may be less expensive than our standard overdraft practices:

• Savings Overdraft Transfer service links your checking account to your savings account. This program will transfer available funds from your savings account to your checking account when it is overdrawn. A transfer fee applies.

• Preferred CreditLine^SM is a line of credit that can be linked to your checking account from which funds are transferred to your checking account when it is overdrawn. An annual fee and finance charges on the outstanding balance apply. This program is subject to credit approval.

For more information, go to overdraft protection.

If you want us to authorize and pay overdrafts for your ATM and everyday debit card transactions, tell us you want Debit Card Coverage, by choosing one of the following options:

• Call (808) 627-6900 or toll-free at (800) 272-2566

• Visit any of our branches

• Follow these steps on our website:

  • Log in to Online Banking

  • Click on the “Services” tab

  • Click on the “Overdraft Solutions” link

  • Make your selection from the drop-down menu: Debit Card Coverage or Overdraft Courtesy

  • You must open and review the "Overdraft Solutions disclosure" before submitting your request

  • Click Submit 

• Complete this form, What You Need to Know about Overdrafts and Overdraft Fees, and mail it to:

  • Attn: Overdraft Solutions

American Savings Bank
Attn: Overdraft Solutions
P.O. Box 2300
Honolulu, Hawaii 96804-2300

For more information, click here.

We do authorize and pay overdrafts for the following types of transactions (we refer to this practice as Overdraft Courtesy):

• Checks and other transactions made using your account number

• Automatic bill payments (including preauthorized debits to pay bills automatically from your account, online bill payments, and recurring bill payments using your check card)

We do not authorize and pay overdrafts for the following types of transactions, unless you ask us to (we refer to this as Debit Card Coverage):

• ATM transactions (including withdrawals, transfers, and gift certificate purchases)

• Everyday debit card transactions (which includes one-time bill payments using your debit card)

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined. If overdrafts are not paid, we will charge a Returned Item fee. For more information, visit overdraft solutions.