Aqua Bamboo Application
Aqua Bamboo Application Period: September 25 – October 13, 2017
Michelle Luxton
First Vice President
Executive Residential Loan Officer,
Private Lending Group
American Savings Bank
NMLS #363495
Equal Housing Lender
Mobile: (808) 228-8850
mluxton@asbhawaii.com
Michelle Luxton leads American Savings Bank’s Private Lending Group as a first vice president and executive residential loan officer. With more than 15 years of industry experience, Michelle is a seasoned mortgage expert dedicated to making homeownership dreams possible. Prior to ASB, Michelle served as a producing branch sales manager for the Honolulu office of a national mortgage company and was consistently ranked among the company’s top 5 producers nationwide. Michelle has been recognized as one of Hawaii’s Top 10 Loan Officers and #1 Overall Producer by ASB multiple times.
An active member of the community, Michelle is a board member at Junior Achievement of Hawaii and previously served as a board member for the Outrigger Canoe Club and Punahou Alumni Association. She is also a member of several professional organizations, including the Hawaii Association of Mortgage Brokers (HAMB) and the Mortgage Bankers Association of Hawaii (MBAH).
Michelle is a graduate of Punahou School and Santa Clara University, where she made history by leading her Division 1 volleyball team to its first NCAA Final Four appearance and two West Coast Conference titles as captain. She also played a year of Division I tennis. Preceding her financial career, Michelle’s love of athletics led to a job in public relations for the San Jose Earthquakes, a professional soccer team based in California. She is now a proud Mom of two and prior to starting her own family, Michelle was very active in sharing her passion for volleyball - coaching indoor volleyball at Punahou School and beach volleyball at Outrigger Canoe Club. She also participated in adult tennis leagues and beach volleyball tournaments on both state and national levels.
Dani Aiu - From teller to bank executive
By
ASB June 30, 2017 | 5 min read N/A
Earlier this month she was promoted from regional executive and director of branch banking to executive vice president and director of consumer banking at the Honolulu-based bank.
Prior to the promotion, Aiu served as a regional executive and most recently as the director of retail banking.
“I’m definitely a loyal employee, and I was always engaged in the bank,” Aiu said, on her longevity with ASB.
But Aiu told Pacific Business News it’s her relationship with coworkers and customers that has had the biggest impact on her career.
“I have customers from my branch banking that still call on me,” she said. “Now I’m helping their children with their homes. Some now are retiring, or I get to meet their grandchildren. I feel that I’ve been a part of their life in helping them, whether it’s their own dreams of buying a house, buying a business or being able to help their children in college. That part has been super exciting.”
What are some goals you would like to accomplish in this new position?
A lot of our bank goals are based on making banking easier, which is a huge part of being the EVP of consumer banking. There are so many different choices for customers. You can do banking by mobile now and of course online, and we have our ATMs. Although I oversee the branches and the call center, it really is to help customers and help business owners. Banking oftentimes, even professionals find it complicated. I think banking is not boring. It is about deepening relationships and creating a culture where bankers really do want to help our customers in what they are doing. That’s my goal. It’s a huge goal. But I think it is complicated. There are so many options. Whether it is opening the doors and having them do a warm hand off to a financial consultant, or a business relationship manager, or even a loan officer for your first home purchase, that’s really what I want to do with ASB.
How is technology shaping the industry?
Technology is ever changing. Yet, we know that our culture in Hawaii is still somewhat different or special. On the Mainland you see the trending of transactions in branch going down quite a bit faster. In Hawaii, actually, doing your banking in the branch is important. But again, we want to give them solutions of the online banking space, mobile banking and the call center. We upgraded our online banking in June 2016 to an online platform for businesses and consumers. We’re not just trying to keep up, but stay ahead, with our mobile deposit, the ease of banking and being able to do your deposit via your cell phone. Our call center, I would consider it our biggest branch, because we get quite a bit of calls. We are a seven-day call center. It is locally based in Mililani. And we service a lot of our customers who choose to pick up the phone and get information.
How is ASB coping with the state’s low unemployment rate?
With the low unemployment rate, in your front line, whether it is with your call center or teller, attrition is a tad higher than other positions. But we work closely with our HR recruiting team. For the teller onboarding as well as the call center representative on boarding, we ensure that once you’re on, you have a buddy system.
What is the biggest challenge of your job?
I hope I’m not being vague, but I think that there’s always balance in what you do. In the role, a lot of your time is spent on being strategic. A lot of what I have done throughout the years has been through the relationships that I build, to create a balance of, not necessarily meetings, but folding in the strategic part as well as the accountability piece. You still need to know what’s actually happening in the branches and the call center. I think the visits and the time spent, not only in direction, but being a part of that is important. On the personal side, it’s also balance. I have two teenage boys and a husband, so that’s always a challenge for me to have that balance too.
What advice would you give to someone who wants to follow your career path?
Be true to who you are. Work hard for it and always set a goal. Setting milestones along the way is helpful too. Of course, I would want to be [ASB President and CEO] Rich Wacker, but that’s not my goal today. You always need to set milestones throughout the way. It’s so important to your success.
Closer Look
Dani Aiu
Executive vice president and director of consumer banking, American Savings Bank
Address: P.O Box 2300, Honolulu, HI 96804-2300
Phone: 808-541-8367
Email: daiu@asbhawaii.com
Website: asbhawaii.com
Anna Hrushka covers money and technology for Pacific Business News
Media Contact
Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com
Dani Aiu
Executive Vice President of
Consumer Banking
Dani Aiu is the Executive Vice President of Consumer Banking at American Savings Bank (ASB). She leads ASB’s statewide branch network, Customer Banking Center, Home Loans, Investment Services and Business Banking teams. Dani oversees more than 500 teammates across the Consumer Banking division, dedicated to making banking easy and convenient through personalized products and services.
Dani began her decades-long ASB career as a teller in 1995. Over the years, she quickly progressed through various leadership roles, including Financial Services Representative, Branch Manager, Regional Executive and Director of Branch Banking. Today, Dani oversees ASB’s Consumer Banking operations, with branches serving customers across five islands.
Her leadership extends into the community, where she is a passionate advocate for causes that help build a stronger future for Hawaii. She serves as a board member for the Boys & Girls Club of Hawaii, an advisory board member for Kupu Hawaii and a trustee for the Public Schools of Hawaii Foundation. Her past service includes roles on the Patsy T. Mink Center for Business and Leadership advisory board and as a board member of the KEY Project, which supports at-risk youth in Oahu’s Kualoa and Heeia areas.
Dani is a proud alumna of the University of Hawaii at Manoa. In 2017, she was recognized as a Pacific Business News Women Who Mean Business honoree for her business and community contributions.
Weekend Hours
Great banking hours in Hawaii - even on the weekends
Emi Au, 34 First vice president, director of financial planning & analysis, American Savings Bank
By
ASB June 09, 2017 | 5 min read N/A
If you asked Emi Au what she thought her career path would look like while still a high school student in Southern California, she probably would have said veterinary school was part of the plan.
But after witnessing her first euthanasia as a vet’s assistant in high school, she realized the profession wasn’t for her.
“Accounting classes really clicked for me,” she told Pacific Business News, when asked what her backup plan was.
The numbers game was a fit for Au, who started her career with Accuity LLP in 2005, eventually landing leadership roles at three of Hawaii’s major financial institutions, First Hawaiian Bank, Central Pacific Bank, and her current role as first vice president, director of financial planning and analysis at American Savings Bank.
At American Savings Bank, Au oversees a team of six and is responsible for the annual operating budget for the bank, conducting quarterly forecasting and managing risk reports.
Au’s leadership skills have been recognized outside of the ASB offices, as she was part of the inaugural cohort of the Patsy T. Mink Leadership Alliance, a six-month program that looks to grow and develop the leadership skills of emerging professional female leaders.
Au also lends her financial expertise to several nonprofits, where she serves as a board member and treasurer of Junior Achievement Hawaii, as well as a board member and finance committee member of the YWCA of Oahu.
While a career as a veterinarian was ultimately not in the cards for Au, she still finds the time to engage in what she calls a passion of hers.
“I’m big on animal rights,” she said, adding she volunteers at the Hawaiian Humane Society, where she educates youth about foster care, as well as takes on the role of foster mom to rescue kittens.
Activities
Junior Achievement Hawaii, YWCA of Oahu, Hawaiian Humane Society, Institute for Human Services
Anna Hrushka covers money and technology for Pacific Business News
Hrushka, Anna. “Emi Au, 34 - First vice president, director of financial planning & analysis, American Savings Bank.” Pacific Business News 9 June 2017
Media Contact
Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com
Start Banking the Easy Way. Here’s How:
Download the ASB Hawaii Mobile App:
Manage Your Account
- View account balances and daily activity
- Verify withdrawals, deposits, payments and transactions
- View loan details
Move Money
- Pay bills
- Transfer funds between accounts, including loans. Fees may apply.
Account Security
- Setup user-specific account access
- Create account status and transaction alerts
Authorized users should check with their company’s System Administrator to enable Online Banking. An internet-enabled device is required to access Online Banking; enrollment required. For system and hardware requirements, please refer to the business online banking agreement and disclosure. Standard messaging and data usage fees apply; contact your mobile carrier for details. Phone screen for illustrative purposes only. See Online Banking agreement and disclosure for complete details.
*Source: 2017 Raddon Research Insights - Raddon, a Fiserv Company
Online Banking Resources
Standard Overdraft Practices:
Debit Card Coverage
This solution applies to one-time debit card and ATM transactions. If you choose to participate in Debit Card Coverage, you can cancel at any time. If you do not participate now, you can choose to do so later.
See What You Need to Know about Overdrafts and Overdraft Fees for more information.
Online Update Process: To make changes to an existing account, you must first be enrolled in Online Banking. Then, log in to online banking and go to “Menu”, “Services” and then click or tap on “Overdraft Solutions” to make your selection from the drop-down menu.
You may also cancel Debit Card Coverage at any time by:
- Phone: Call (808) 627-6900 or toll free (800) 272-2566.
- In Person: Visit any of our branches.
Overdraft Courtesy
This service automatically comes with your checking account and covers checks and electronic payments. It does not cover ATM or one-time debit card transactions. If we do not authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if American Savings Bank pays my overdraft?
Under our standard overdraft practices:
- We will charge you a fee each time we pay an overdraft. Please refer to the link above for What You Need to Know about Overdrafts and Overdraft Fees for the applicable fees.
Protection Plans:
Preferred CreditLine Overdraft Protection1
This line of credit can be used to pay for emergency expenses or to protect your American Savings Bank checking account against overdrafts. An annual fee and finance charges on the outstanding balance apply. This program is subject to credit approval.
Savings Overdraft Transfer
Links your Statement Savings or Tiered Savings account to your checking account. Money in your savings account can cover overdrafts on your checking account. There is a savings overdraft transfer fee per day that a transfer is made. Kalo PlusSM checking accounts enjoy a fee discount while Kalo DeluxeSM checking accounts have their fee waived. Please refer to the Personal Deposit Account Disclosure and Fees.
- Subject to credit approval and an annual fee.
Get Started
Tips To Help You Avoid Overdrafts
- Watch your balance. Accurately track the money you deposit into and withdraw from your account. You can do this using a paper register or electronically through Online Banking. Remember to track your ATM withdrawals and transfers, debit card purchases, bills that get deducted electronically from your account, and the checks that you write. You may want to consider keeping a “cushion” of funds in your account to help prevent unintended overdrafts.
- Apply for an overdraft protection option that could automatically help protect your account from being overdrawn.
- Enroll in Online Banking and use it to quickly access and monitor your balance and account activity.
- Keep in mind that any balance we provide may not be the amount that is actually available in your account to spend – there may be transactions that have not yet reached the bank such as checks, automatic payments, merchant holds (for point-of-sale transactions) and deposits in process. (Please note that some payment authorization systems allow merchants to ask for an authorization for an amount that is more or less than the actual transaction (for example, a gas station submits an authorization for $75 even though the actual gas purchase is $42), so with point-of-sale transactions, we may hold funds in your account per the merchant’s direction.)
- Sign Up for eAlerts through Online Banking to warn you when your account balance falls below a dollar amount you choose.
- Verify automatic deposits you’re expecting have been credited to your account.
- Review and reconcile your checking account statement every month.
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† Offer expires 1/31/19. Receive up to $450 in cash back and savings. An American Savings Bank business checking account is required to qualify for this promotion. 1) get $100 when you sign-up for Merchant Services and complete your first transaction within 30 calendar days from sign-up; 2) get $100 when you open or upgrade to an Analyzed Checking account; and/or 3) receive an application fee waiver (up to $250 in value for loan or lines of $100,000) when you apply for a Business Line or Business Loan. The cash back will be deposited into your business checking account by the end of the third week of the month following the criteria being met. If the Business Checking account is closed within 180 days after the offer expires, a $100 fee will be assessed. Value of the cash back is considered interest and may be reported to the IRS. Limit of one gift per customer per account and only one account per customer is eligible. Cannot be combined with any other promotional offer. To qualify for the offers, you must not have had these services within the last 12 months. For merchant services, the account is subject to underwriting guidelines and credit approval.