HOW TO USE THE PAY A FRIEND SERVICE
*Not seeing Pay a Friend in Online Banking? Call us for more information
(808) 627-6900 or toll-free (800) 272-2566
Step 1:

Log in to Online or Mobile Banking and select "Pay a Friend" under the “Transactions” menu. Then, select the recipient’s mobile phone number or email address from your phone Contacts or enter the information directly.
Step 2:

Enter payment amount and verify the transaction using your debit card PIN. You may also write a memo which will be included in the text message or email.
Step 3:

The recipient receives a notification with the payment details and enters his/her debit card or bank account information and accepts the recipient agreement to collect the money.1 No registration or login is required to receive the funds.
Need Additional Assistance?
Online Banking Pay a Friend Common Questions >
Pay A Friend Features
Common Questions:
To use the service, you must have a:
- Call us to get started and enrolled in Pay a Friend at (808) 627-6900 or toll-free (800) 272-2566.
- ASB Debit Card linked to a personal or business checking account with American Savings Bank.
- Valid mobile phone number for the receiver/recipient.
- ASB Online Banking Online and/or Mobile Banking access.
The Pay a Friend Service is not available to Commercial Business Accounts.
The recipient will receive a notification via email or text message (whichever was specified by the sender) with the payment information and a link to collect their funds. The recipient enters his/her debit card or bank account information to get the money. Only financial institutions participating in the Payzur network may accept Pay a Friend funds. Recipients can check with their financial institution to see if they are participating. The recipient has up to 10 days to retrieve the funds or the money will be credited back to your account. No registration or login is required to receive the funds.
The funds will be debited from your account as soon as the recipient collects the funds. The recipient has 10 days to collect the money. If the money is not collected in 10 days, you will be notified and the funds will be credited back to your account within 1-2 business days.
If the recipient chooses to collect the funds via a debit card, the funds are available to them immediately! If they choose to collect using a checking or savings account, the money will be credited to their account within 3-5 business days.
Pay a Friend payments are processed as PIN-based debit card transactions, so you should use the PIN for your Debit Card tied to your American Savings Bank checking account. Please note that the PIN pad will scramble after you enter each digit of your PIN number for your protection and as an added layer of security.
On both your statement and on your account history, the Pay a Friend transaction will appear as: American S MNYTRF XXXXXXXXXXXX. There will be a unique code for each money transfer.
In order to use your debit card, your bank must be a participating institution. If recipient is unable to use their debit card, then the recipient will be asked to enter their bank's routing number and account number (shown at the bottom of your checks) to receive the money. This type of transaction will take 3-5 business days to process.
Yes! There is no need to share your account number with anyone. Money is sent securely using just a phone number or email address. Payments are processed and protected in the same manner as PIN-based point of sale debit card transactions.
To cancel a transaction that has not been accepted by the recipient, please call us at 808-627-6668 or toll-free 800-272-2566. You can also go to the “Message” tab and send us the Tracking ID and amount of the transaction. We will send you a confirmation with the status of your request.
Acculynk is the company that we’ve partnered with to bring you Pay a Friend! Their secure technology enables payments to be sent and received in just seconds from your American Savings Bank Online Banking account.
Protecting our customers' financial data is a high priority for us. American Savings Bank will never request verbally or via e-mail/text, your Password, Debit Card PIN, or Secure Access Code. We encourage our customers to closely monitor accounts regularly. For best practice, you should report immediately any suspicious activity to our Customer Banking Center at (808) 627-6900 or toll-free (800) 272-2566.
1. If recipient uses a participating debit card, the funds will be sent to their checking account. However, if they choose to collect the money by entering a checking account and bank routing number, the payment will be received within 3-5 business days.