Roth IRA

Build earnings that are completely tax-free when you withdraw them, as long as they are considered qualified

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Product Features & Benefits

  • Bank IRA offered through American Savings Bank

  • Access Bank IRA through Online and Mobile banking

  • Fixed CD term or Savings available

  • Please consult your tax advisor for more information regarding your individual situation

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Retirement Planning

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Product Guide

Additional product information and things you should know

Common Questions:

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Investing in Your Financial Future

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Saving at Any Age

Saving is an important step toward overall financial health. From a child’s first account to retirement planning, good savings habits can help you t...

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Please consult your tax advisor for more information regarding your individual situation.

  1. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 1/2 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

Brokerage IRA

Use your IRA to invest in everything from stocks and bonds to mutual funds, and more

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Product Features & Benefits

  • Brokerage IRA offered through American Savings Investment Services

  • May invest in stock, bonds, mutual funds and annuities

  • Tailored to your investment strategy

Interested in learning more?

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Retirement Planning

We can help give you confidence in retirement planning

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Product Guide

Additional product information and things you should know

Let's Talk

Kanani Miyahira's Photo

Kanani Miyahira

Island: Oahu
Phone: (808) 541-8586
Start Planning

Jeffrey Bonk's photo

Jeffrey Bonk

Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning

Riki-Ann Chow's photo

Riki-Ann Chow

Island: Oahu
Phone: (808) 527-4350
Start Planning

All Financial Advisors >

Common Questions:

Investing in Your Financial Future Thumbnail

Investing in Your Financial Future

Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...

Read More >

Identity Fraud Thumbnail

Armor Up Against Identity Fraud

Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...

Read More >

Saving at Any Age Thumbnail

Saving at Any Age

Saving is an important step toward overall financial health. From a child’s first account to retirement planning, good savings habits can help you t...

Read More >

Please consult your tax advisor for more information regarding your individual situation.

  1. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 1/2 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit
 

Click to view Cetera Investment Services Privacy Policy and other Important Information.  

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

 
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Investment Planning

Based on your investment objectives, we can help review your financial position and create a plan to work toward reaching your goals

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Financial Consultant with customers

Start Planning Today

  • Gain a perspective of the economic and market environment before you invest

  • Explore the concepts of asset allocation and diversification and learn more about the different types of risk

  • Choose investments, including mutual funds, stocks, ETFs (Exchange-Traded Funds), bonds, annuities, that fit your investment objectives and risk preference

Getting Started

  • In preparing to meet with one of our Financial Advisors, please have the following information:

    • Information on your current financial situation

    • Your risk preference

    • Your desire for asset allocation and diversification

Let's Talk

Kanani Miyahira's Photo

Kanani Miyahira

Island: Oahu  
Phone: (808) 541-8586  
Start Planning

Jeffrey Bonk's photo

Jeffrey Bonk

Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning

Riki-Ann Chow's photo

Riki-Ann Chow

Island: Oahu
Phone: (808) 527-4350
Start Planning

All Financial Advisors >

Common Questions:

Investing in Your Financial Future Thumbnail

Investing in Your Financial Future

Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...

Read More >

10 FAQs About Our Current Economy Thumbnail

10 FAQs About Our Current Economy

The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...

Read More >

Identity Fraud Thumbnail

Armor Up Against Identity Fraud

Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...

Read More >

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit
 

Click to view Cetera Investment Services Privacy Policy and other Important Information.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

 
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Retirement Planning

We're here to help you gain confidence in retirement planning by identifying your goals, reviewing current plans and more

ACCESS ACCOUNT

Mother and Daughter

Start Planning Today

  • Thanks to our relationship with Cetera Investment Services, American Savings Investment Services can help you with products and services that give you confidence in retirement planning

  • Figure out how much money you need to maintain the lifestyle you want

  • Clarify your retirement objective and determine the amount of money you will need at retirement

  • Identify your retirement investment gap and find tax-advantaged retirement products

Getting Started

  • In preparing to meet with one of our Financial Advisors, please have the following information:

    • Information on your current financial situation

    • Your risk preference

    • Your desire for asset allocation and diversification

Let's Talk

Kanani Miyahira's Photo

Kanani Miyahira

Island: Oahu
Phone: (808) 541-8586
Start Planning

Jeffrey Bonk's photo

Jeffrey Bonk

Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning

Riki-Ann Chow's photo

Riki-Ann Chow

Island: Oahu
Phone: (808) 527-4350
Start Planning

All Financial Advisors >

Common Questions:

Investing in Your Financial Future Thumbnail

Investing in Your Financial Future

Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...

Read More >

10 FAQs About Our Current Economy Thumbnail

10 FAQs About Our Current Economy

The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...

Read More >

Identity Fraud Thumbnail

Armor Up Against Identity Fraud

Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...

Read More >

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit
 

Click to view Cetera Investment Services Privacy Policy and other Important Information.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

 
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Education Planning

It's never too early to start saving for your child's education - let us help you get started

ACCESS ACCOUNT

Sisters

Start Planning Today

  • Tax-deferred and tax-free withdrawals on some accounts for qualified educational purposes

  • Beneficiaries may be changed without penalty

  • Contributions may be made by any family member (including grandparents, aunties, uncles and more)

Getting Started

  • In preparing to meet with one of our Financial Advisors, please have the following information:

    • Information on your current financial situation

    • Your risk preference

    • Your desire for asset allocation and diversification

Plan today for a smarter tomorrow

Coverdell Education
Savings Account (CESA)

Contributions are not tax-deductible, but all earnings and withdrawals are tax-exempt and free of penalties as long as the withdrawals are made for qualified education expenses

Section 529
College Savings Plan

Contributions are tied to the gifting exclusion limit of $15,000. You could also make up to 5 years worth of contributions (or $70,000) in one year

Custodial Account
(UTMA or UGMA)

Up to certain limits, these accounts are taxed at the child's rate. Withdrawals may be made for any expenses that benefit the child – not just education expenses

Let's Talk

Kanani Miyahira's Photo

Kanani Miyahira

Island: Oahu
Phone: (808) 541-8586
Start Planning

Jeffrey Bonk's photo

Jeffrey Bonk

Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning

Riki-Ann Chow's photo

Riki-Ann Chow

Island: Oahu
Phone: (808) 527-4350
Start Planning

All Financial Advisors >

Common Questions:

Investing in Your Financial Future Thumbnail

Investing in Your Financial Future

Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...

Read More >

10 FAQs About Our Current Economy Thumbnail

10 FAQs About Our Current Economy

The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...

Read More >

Identity Fraud Thumbnail

Armor Up Against Identity Fraud

Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...

Read More >

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit
 

Click to view Cetera Investment Services Privacy Policy and other Important Information.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

 
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Hospital Accident Protection (HAP) Insurance

Insurance protection for your family. Receive cash benefits when a serious covered accident lands you in the hospital (underwritten by CHUBB)

ENROLL TODAY

Product Features & Benefits

  • Must be an American Savings Bank customer 18 years or older

  • All cash benefits paid directly to you

  • All benefits are paid in addition to any other insurance you may have

  • Cash benefits are all yours to spend any way you want

  • You cannot be turned down due to age or health, no medical exam required; all coverage reduces by 50% at age 65 and 25% at age 75††

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Why You Should Get Life Insurance Early

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Armor Up Against Identity Fraud

Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...

Read More >

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Be Aware of Ransomware

Ransomware is a form of malware designed to hold a victim’s files and device hostage until they’ve paid the demanded ransom....

Read More >

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit

†† This is an offering for insurance. It is not a deposit, not FDIC insured, not guaranteed by the bank and not insured by any federal government agency.

  1. Limit per occurrence* $328,500.00 for 365 days
  2. Limit per occurrence* $657,000.00 for 365 days

* This is an accident only policy and does not pay benefits for loss from sickness. 
This information is a brief description of the important features of this insurance plan, not an insurance contract. Actual coverage is subject to the language of the policy including applicable exclusions and limitations, and may not be available in all jurisdictions. Insurance product offered by Franklin Madison Group, LLC. For California Residents: Insurance product offered by Franklin Madison Insurance Services, LLC. Insurance is underwritten by Federal Insurance Company, a Chubb company. Chubb, PO Box 1600, Whitehouse Station, NJ 08889. Confinement benefits reduce by 50% at age 65, and reduce to 25% at age 75.

Accidental Death and Dismemberment Insurance

Help protect your family's financial future and receive $2,000 of insurance coverage (underwritten by Minnesota Life Insurance Company)

ENROLL TODAY

Financial consultant and customers

Product Features & Benefits

  • Must be an American Savings Bank customer 18 years or older

  • $2,000.00 coverage at no cost to you and is complimentary of American Savings Bank

  • In addition, you can purchase Additional Coverage at group rates

    • You are pre-authorized for Additional Coverage up to $300,000

    • Your acceptance is guaranteed - No Medical Exams or Health Questions

    • Benefits are paid to your beneficiary if you die from a covered accident
  • You cannot be turned down for the Bank Paid Coverage —or any additional coverage you may select. All coverage reduces by 50% at age 70 and older, regardless of age at enrollment
  • Andrea Heger, Licensed Insurance Agent #17321851
    0122
    1947555

Why You Should Get Life Insurance Early Thumbnail

Why You Should Get Life Insurance Early

Life insurance isn’t something young adults consider an immediate need. You might understand the benefit of having a life insurance policy when you’re...

Read More >

Identity Fraud Thumbnail

Armor Up Against Identity Fraud

Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...

Read More >

Be aware of ransomware Thumbnail

Be Aware of Ransomware

Ransomware is a form of malware designed to hold a victim’s files and device hostage until they’ve paid the demanded ransom....

Read More >

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit

Biz Money Market

Earn interest on your balances while maintaining flexibility

FIND A BUSINESS BANKER

Business owners

Biz Money Market
Product Features & Benefits

  • $1,000 Minimum Opening Deposit

  • No Monthly Service Fee with a $1,000 minimum daily balance OR $2,500 minimum monthly average balance, otherwise $10 per month

  • Competitive rates with interest that's compounded daily and credited monthly

  • Access funds by check1

  • Free Phone Banking services and Online Banking for Business

Interested in learning more?

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Product Guide

Additional product information and things you should know

Common Questions:

  1. There are limits to the number of checks processed per statement cycle.

Biz Essentials Checking

Perfect for beginning your business with Online Banking and no monthly service fees

FIND A BUSINESS BANKER

Debit card art with mobile pay and merchant services

Tap your contactless ASB Visa® Debit Card or connect it to your smartphone and pay while on-the-go

Biz Essential Checking
Product Features & Benefits

  • Monthly service fee waived with enrollment in Online Banking and eStatements; otherwise $5 per month

  • Manage and control your money with free Online Banking user access1

  • Deposit checks from your job site or office with Mobile Deposit

  • Track spending expenses by using your Platinum VisaTM Business Debit Card

  • 50 Free Transactions2 (checks processed and/or checks deposited per month); $0.50 per transaction thereafter

  • Free Online Banking; optional services you select may incur fees

  • Discounted Online Banking (no basic monthly fee for access for up to 4 accounts, subject to other Online Banking fees)

  • Overdraft Protection3, Phone Banking4 and night depository for after-hour deposits

Interested in learning more?

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See how this account stacks up against others

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Business Account Opening Checklist

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Product Guide

Additional product information and things you should know

Common Questions:

  1. Free Online Banking for one user; optional services you select may incur fees.
  2. Transactions include checks processed and/or checks deposited (excluding cash deposits and certain electronic debits such as preauthorized debits and credits, ATM and point-of-sale transactions).
  3. For Savings Overdraft Transfer, a Biz Statement Savings or Biz Tiered Savings account is required to participate in this service. Regulatory transfer limits apply and a fee is imposed on the checking account for transfers made. Overdraft protection line of credit; subject to credit approval.
  4. Online, telephone, and overdraft transfers combined with other transfers from savings and money market accounts are limited to six (6) per monthly cycle.

Biz Deluxe Checking

Optimal for businesses with high-volume transactions and larger balances

FIND A BUSINESS BANKER

Debit card art with mobile pay and merchant services

Tap your contactless ASB Visa® Debit Card or connect it to your smartphone and pay while on-the-go

Biz Deluxe Checking
Product Features & Benefits

Interested in learning more?

Clipboard Icon

Compare All Checking Accounts

See how this account stacks up against others

Checkbox Icon

Business Account Opening Checklist

Get started by determining your next steps

Newspaper Icon

Product Guide

Additional product information and what you need to know

Common Questions:

  1. Subject to application and credit approval.
  2. For Savings Overdraft Transfer, a Biz Statement Savings or Biz Tiered Savings account is required to participate in this service. Regulatory transfer limits apply and a fee is imposed on the checking account for transfers made.
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