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Overdraft Protection– Preferred CreditLineSM

Protect your American Savings Bank checking account against overdrafts (“bounced checks”), insufficient funds and returned item fees. Or, use the line to pay for emergency expenses.  You pay interest only when the line is used. 

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Account Details
  • Revolving line
  • Fixed interest rate
  • $500 to $50,000
  • No collateral required
Get the most out of your Preferred CreditLine
The Preferred CreditLine is linked to your American Savings Bank checking account. And, with Kalo Plus or Kalo Deluxe Checking, you may be eligible for an interest rate discount and annual fee waiver on your Preferred CreditLine.

Current Rates

You may also print out the loan application and bring it to a branch -- Download Application

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   The Preferred CreditLine is subject to borrower qualification and underwriting guidelines.  The APR (annual percentage rate) is fixed.  An APR of 18.00% is for non Kalo Deluxe and non Kalo Plus checking account holders, and is the APR that will apply should you no longer maintain an open Kalo Deluxe or Kalo Plus checking account.  A discounted APR of 17.75% is for Kalo Deluxe checking account holders, and a discounted APR of 17.90% is for Kalo Plus checking account holders. Please refer to the current Loan Rate sheet or call us for current rates.