THANK YOU FOR REGISTERING FOR OUR VIRTUAL
BUSINESS FRAUD & CYBERSECURITY SEMINAR

We are excited to have you join our virtual presentation on Wednesday, November 15, 2023 from 10:00 a.m. to 11:00 a.m. HST. This seminar will share common methods of cyber attacks, scams, frauds and how to safeguard you and your business against them.

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HOW TO JOIN THE BUSINESS FRAUD AND CYBERSECURITY SEMINAR

On November 15, 2023 at 10:00 a.m. HST, please click on the button below to open WebEx and join the virtual seminar. You can also click the drop-down below for other ways to join.
JOIN SEMINAR

Want to be reminded when it's time to join? Click here to add the Business Fraud and Cybersecurity to your calendar.

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MEET YOUR PRESENTERS

Barbara Isobe
Director of Fraud Prevention

Barbara is a Fraud Prevention Professional with over 25 years of experience in the field and uses her experiences to help equip customers and businesses with knowledge and prevention tools.

Levi Carias
Director of Information Security

Levi’s 23 years of experience in engineering, implementation and support in IT infrastructure keeps him on top of the fight for cybersecurity. Levi creates and administers IT security risk programs and performs staff trainings at ASB so the bank can stay at the forefront in the fight to keep your business and its assets safe.

 

 

SHARPEN YOUR PENCILS AND GET A HEADSTART

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CALCULATORS TO HELP YOU ACHIEVE YOUR DREAMS

Prepare for your next milestone with easy-to-use inputs - whether that's buying a home, saving for retirement or somewhere in between.

START CALCULATING
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FREE COURSES WITH ASB FINANCIAL EDUCATION

Explore our complimentary playlists with topics on everything from budget planning to debt management - each topic takes just 5 minutes to complete

START LEARNING

Thank you for registering for our Market Commentary & the Current State of the Economy Seminar

We are excited to have you join our presentation on Wednesday, September 20, 2023 from 6:00 p.m. to 8:00 p.m. HST. This engaging and in-person event will be at the American Savings Bank Campus located at 300 N. Beretania Street.

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SAVE THE DATE FOR OUR MARKET COMMENTARY & THE CURRENT STATE OF THE ECONOMY SEMINAR

Date

Wednesday, September 20, 2023

Time

  • 6:00 p.m. to 6:30 p.m.
    Pupu & Cocktails (Room Hale Ikena)

  • 6:30 p.m. to 7:30 p.m.
    Presentation (Room Kakou 1 & 2)

  • 7:30 p.m. to 8:00 p.m.
    Guest Mingle & Coffee

  • 8:00 p.m.
    Evening Concludes

Location

American Savings Bank - Campus Location
300 N. Beretania Street, Honolulu, HI 96817

Complimentary valet service will be provided. Please enter through the lobby where you will be met by our greeters and escorted to the 7th floor.

Want to be reminded? Click here to add the seminar to your device's calendar.

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MEET YOUR PRESENTERS

Michael B. Kushma

Michael B. Kushma
Chief Investment Officer of Global Fixed Income from Morgan Stanley

Michael began his career in the investment industry at Morgan Stanley in 1987 and has 34 years of investment experience. Prior to joining the firm, Michael was a senior lecturer of economics at Columbia University. Michael received an A.B. in economics from Princeton University, an M.Sc. in economics from the London School of Economics, and an M.Phil. in economics from Columbia University.

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Lynne Kinney
Principal of CKW Financial Group and CIO of CKW Global Balanced Model

Lynne is a co-strategist of CKW Financial Group's Opportunistic Global Balanced portfolio, a Morningstar ranked world allocation strategy. Lynne specializes in retirement planning, client strategies, dynamic asset allocation, and investment implementation to provide overtime, risk-adjusted returns that will help clients achieve their goals. With over 25 years in the financial industry, Lynne was a Fidelity featured RIA and nominated as Wealth Management’s Top 25 Women-owned RIAs.

Carl Choy Headshot

Carl Choy
Principal of CKW Financial Group

Carl is a co-strategist of the CKW Global Balanced Model with Ms. Kinney. Carl focuses on estate planning, client strategies, dynamic asset allocation, and investment implementation to protect clients’ capital during volatile markets while preparing to capture incremental returns over time. With over 35 years of experience, Carl was featured as Hawaii’s #1 Advisor by Hawaii Business Magazine.

SHARPEN YOUR PENCILS AND GET A HEADSTART

financial calculators screenshot

CALCULATORS TO HELP YOU ACHIEVE YOUR DREAMS

Prepare for your next milestone with easy-to-use inputs - whether that's buying a home, saving for retirement or somewhere in between.

START CALCULATING
financial education screenshot

FREE COURSES WITH ASB FINANCIAL EDUCATION

Explore our complimentary playlists with topics on everything from budget planning to debt management - each topic takes just 5 minutes to complete

START LEARNING

Presenters’ views and opinions are their own. Attendees may wish to seek additional information that’s tailored to their situations respectively.

 

Not FDIC Insured

Not Bank Guaranteed

May Lose Value

Not Insured by any Federal Government Agency

Not a Bank Deposit

 

 

 
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Hawaii Bankers Association Member Banks Accepting Monetary Donations to Support Maui Relief Efforts

ASB August 10, 2023 | 1 MIN read News Releases

The Hawaii Bankers Association (HBA) announced today it launched Aloha for Maui, a program accepting donations at any of its member branches statewide to provide assistance to the people, businesses and organizations impacted by the Maui wildfires. Monies collected will be donated to the Hawaii Community Foundation Maui Strong Fund, which is providing the resources necessary to aid with disaster response and recovery. To kickoff the effort, HBA is donating $25,000 to the fund.

“The members of the Hawaii Bankers Association are deeply saddened by the devastation on Maui caused by the wildfires. Our employees, customers and families call these communities home, and we are committed to helping them recover and rebuild,” said Hawaii Bankers Association President Bryan Luke. “By bringing our network of branches together, we hope to make it easy for those wanting to help our neighbors on Maui by providing a secure option to donate.”

  • American Savings Bank
  • Bank of Hawai‘i
  • Central Pacific Bank
  • Finance Factors
  • First Hawaiian Bank
  • Hawaii National Bank
  • HomeStreet Bank
  • Territorial Savings Bank

Cash and check donations are being accepted at any of the HBA member branches. Checks should be made out to “Hawai‘i Community Foundation” with “Maui Strong” written in the note section. Online donations can also be made at www.hawaiicommunityfoundation.org.

“HBA encourages Maui residents to follow all official safety guidance on avoiding fire-affected areas, as well as calling their bank branch before visiting, as hours and operations may have changed,” added HBA Executive Director Neal Okabayashi. “Our thoughts are with the Maui community during this time of devastating loss, and we stand ready to support in the rebuilding efforts.”

MEDIA CONTACT
Shara Aiu, American Savings Bank
syaui@asbhawaii.com

About the Hawaii Bankers Association
The Hawaii Bankers Association (HBA) membership is open to FDIC insured depository institutions doing business in Hawaii. Current members include banks, thrifts and a depository financial services company. Hawaii's first bank was established in 1858 and over the many decades Hawaii financial institutions have played an important role in transforming Hawaii's economy by serving the needs of consumers and businesses. HBA members continue to offer innovative products/services and loans to consumers and businesses to fuel Hawaii's economic growth. Many members of the financial services industry spend countless of hours volunteering their time with non-profit and charitable organizations. These bankers have been instrumental in providing the leadership and fundraising support to help organizations continue serving Hawaii residents. For more information, visit http://hawaiiba.org.

What You Need to Know About Your Annual Escrow Account Disclosure Statement

Annual Escrow Account Disclosure Statement – History: This section contains the disbursement history for your account. Transactions listed reflect actual amounts paid into your escrow account and actual amounts disbursed from your escrow account for items such as real property tax and insurance premiums.

Annual Escrow Account Disclosure Statement – Projection: This section details the calculation of your monthly escrow payment. Refer to "New Total Payment" in the “Anticipated Escrow Payments” section for your adjusted monthly mortgage payment beginning November 1, .

Increases in your monthly mortgage payment are most commonly due to increases in property taxes and/or homeowners insurance premiums.

  • If you have questions about an increase in your property taxes, please contact your local taxing authority; they are the best source for information to explain any changes to your tax bill. Keep in mind, the individual Counties in the State of Hawaii reassess property values every year. Hawaii State property tax for the new tax year are sent in August and if there is an increase, it will be reflected in the Annual Escrow Analysis statement.
  • If you have questions about an increase in your homeowner’s insurance premiums, please contact your insurance company or their local agent, they are the best source for information to explain any changes in your annual premium amount.

Be assured: there was NO change to your interest rate or how the principal and interest from your monthly mortgage payments are applied to your loan. Any changes to your payment are related to escrow costs.

Will my automatic loan payments be adjusted to the new payment amount?
If ASB setup the automatic payments for your mortgage loan, the payments will be adjusted. If you setup the automatic payments yourself from a third party bill payer or an online banking provider, you will need to manually update the payment amount for the new payment in November.

Business Financial Hardship Resources

Local businesses are the backbone of our community and we will be by your side to see you through this challenging time. Your business bankers are equipped and experienced to get you the assistance you require.

For those who were able to attend the SBA Webinar on August, 21st, we hope you found the information valuable. For those who were not able to attend, please find the recording below. We've also provided the webinar materials for you to download and reference.

 

 

SBA Maui Disaster Relief Webinar from American Savings Bank on Vimeo.

Download the Presentation

Business Financial Hardship Resources

Local businesses are the backbone of our community and we will be by your side to see you through this challenging time. Your business bankers are equipped and experienced to get you the assistance you require.

For those who were able to attend the SBA Webinar on August, 21st, we hope you found the information valuable. For those who were not able to attend, please find the recording below. We've also provided the webinar materials for you to download and reference.

 

 

SBA Maui Disaster Relief Webinar from American Savings Bank on Vimeo.

Download the Presentation

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disaster loan

Businesses of any size and most private nonprofit organizations may apply for a loan to recover after a disaster.

LEARN MORE

ECONOMIC INJURY
DISASTER LOAN (EIDL)

A loan based on your actual economic injury and your company's financial needs, regardless of whether the business suffered any property damage.

LEARN MORE

 

FINANCIAL HARDSHIP ASSISTANCE

Qualifying customers may receive up to 3 months in the form of either:

  • Loan forbearance
  • Loan deferment

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Card Processing Assistance

We are waiving merchant services fees for any ASB business customer whose Clover POS system was affected by the Maui wildfires, and we'll also help to get your business back online when you are ready.

Please call Card Processing Support at (808) 625-5600 for assistance.

If you have any questions, please reach out to our Business Banking team through the form below.

Financial Hardship Assistance Form

We are committed and dedicated to our community and the businesses that help run Hawaii’s economy. As we navigate through these challenging times, we are offering assistance to our business customers facing financial hardships.

We’re here for you, and we have solutions to help our business customers who are facing financial hardships.

Please complete our Business Financial Hardship form to the right and one of our Business Bankers will reach out to you on how we can help.

Qualifying customers may receive assistance for up to 3 months in the form of one of the following:

  • Loan forbearance
  • Loan deferment

For credit cards, please call (800) 558-3424.

 
 
 
 
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Financial Hardship Resources

American Savings Bank (ASB) is committed to assisting, supporting and providing solutions for our customers during challenging times. Please see the available resources we provide below to assist you during times of financial hardship.

Financial assistance options via the hardship form

Loan Forbearance

 

A pause in payments, requiring the repayment of the missed amount when the forbearance period ends. Interest still accrues during the period and your credit may be impacted.

 

Loan Deferment

 

A delay in payments where interest accrues during the deferment period. When repayment resumes, payment will go towards accrued interest first. You will also have a larger final payment. Your credit will not be impacted.

 

Loan Extension

 

Temporary extension of reduced or delayed payment for your mortgage loan, personal unsecured loans and/or lines of credit.

 

Financial Hardship Assistance Form

Please complete this form and we'll be in touch with you in 1-2 business days on how we can help.

Qualifying customers may receive assistance for up to 3 months in the form of one of the following:

  • Loan forbearance
  • Loan deferment
  • Loan extension

For more information, please email us at hardship@asbhawaii.com.

Please provide current proof of income (including unemployment) if you are requesting assistance. Examples of proof of income:

  • Pay Stubs
  • Bank statements showing direct deposits from employer
  • General Excise Tax (“GET”) statements
  • Transient Accommodation Tax (“TAT”) statements
  • Other documents evidencing employment
  • Business bank statements
  • Most recent tax returns

We may ask for additional documentation based on your situation.

Or, you may also contact:

 
 
 
 
*Required Field
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Meet with a Banker
Unsure where to start? Schedule an appointment with one of our expert bankers to help you with any of your financial needs. Our bankers are available by phone, in person or video call.
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Adrian Holmes

Assistant Vice President, Financial Planning Coordinator

 

American Savings Investment Services

Phone: (808) 952-7024
adrian.holmes@asbinvestments.com

Adrian Holmes is a dynamic individual with a diverse range of interests. He holds Series 6, 63, and 65 securities registrations in addition to life, health, and disabilities licenses. When he’s not playing or coaching basketball, he can be found enjoying a round of golf, hiking with friends, or at the beach. He has a passion for learning languages, traveling, and exploring different cultures.

Adrian’s commitment to his community shines through his volunteer activities. He dedicates his time to coaching, beach clean-ups, assisting the kupuna, and engaging in community outreach. In 2020, he fulfilled his dream by opening the Hale Hoop basketball academy, providing a nurturing environment for aspiring athletes.

Get a portfolio risk analysis by clicking below to visit the Riskalyze website.

Portfolio Risk Analysis

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American Savings Bank Reaffirms Strong Capital Position, Excellent Credit Quality and Ample Liquidity in Aftermath of Maui Wildfires

ASB August 22, 2023 | 3 MIN read News Releases

American Savings Bank (ASB), is well positioned and stands ready to support the community as families heal and rebuild in the aftermath of the Maui wildfires.

“ASB has served the residents and businesses of Hawaii for nearly 100 years. We are heartbroken for our community but committed to use our strong liquidity and capital position to help Maui rebuild,” said Ann Teranishi, president and CEO of American Savings Bank. “We are here to support our community and work with borrowers through this challenging time and beyond.”

ASB is an independent company founded in 1925. ASB’s loyal and long-tenured deposit base demonstrates the value of its customer relationships: 79% of its deposits are FDIC-insured and 7% are fully collateralized. ASB has deep lending capacity, with 273% liquidity coverage for uninsured deposits. ASB customer deposits are safe. There is no risk to customer deposits as a result of legal claims related to the fires.

ASB has consistently been well capitalized above the regulatory minimums, with a leverage ratio of 7.79% and Common Equity Tier 1 Capital Ratio of 12.23%. ASB has over $3.1 billion of secured borrowing capacity at the Federal Home Loan Bank and Federal Reserve.

ASB remains focused on supporting its teammates, customers, community and partners during this challenging time. ASB recently announced a $100,000 commitment, including $50,000 to Hawaii Community Foundation’s (HCF) Maui Strong campaign, $25,000 to American Red Cross and $25,000 to Maui United Way. To date, ASB has collected more than $160,000, as part of the Hawaii Bankers Association’s Aloha for Maui Fund. All funds from this effort will be provided to HCF’s Maui Strong campaign.

Currently, all ASB’s Maui ATM fees and various other fees are being waived. ASB is also offering 90-day forbearance and deferment for commercial and consumer loans. Customers can also apply for an emergency personal line of credit up to $5,000.

For more information on ASB’s Maui Relief & Assistance Programs, visit asbhawaii.com/maui

MEDIA CONTACT
Shara Aiu, American Savings Bank
syaiu@asbhawaii.com

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American Savings Bank Pledges $100,000 to Wildfire Relief Efforts

ASB August 09, 2023 | 1 MIN read News Releases

American Savings Bank (ASB) committed to donate $100,000 to nonprofits, including the American Red Cross, to provide assistance to local residents and businesses affected by the devastating wildfires on Maui and Hawaii Island.

“Our hearts go out to all those impacted by the fires,” said Ann Teranishi, president and CEO at American Savings Bank. “We are glad that our teammates are safe and we are committed to supporting our customers and communities through this challenging time.”

The funds will be dispersed to nonprofits working to support on-the-ground recovery efforts and assist in long-term rebuilding plans.

For updates on branch hours, please visit www.asbhawaii.com.

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

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    Monday - Friday: 8 a.m. to 7 p.m. HST

    Saturday - Sunday: 9 a.m. to 3 p.m. HST

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