Checking Accounts

To open an account online, you must be 18 years or older, a U.S. citizen or permanent resident alien, and a resident of Hawaii. You'll need to provide your social security number and have your Hawaii driver's license, state ID or US passport ready. Minimum $20 opening balance.

Visit an ASB branch conveniently located near you with a valid ID. You must be 18 years or older, a U.S. citizen or permanent resident alien, and a resident of Hawaii. Minimum $20 opening balance.

For more information about the ways to set up direct deposit, click here.

1^st time check orders: 

To order checks from our check provider, Deluxe, please call 1-877-838-5287 or place an order online. You can select the quantity and style of checks you wish to order. You will need the bank routing number (321370765), your checking account number, and the next check starting number.

Reorders

You may reodrer checks though our Online Banking or Mobile Banking App or through our check provider, Deluxe, please call 1-877-838-5287. You can change the quantity and style of checks you wish to order.

Setting up automatic transfers including loan payments is easy with Online Banking. Click here to learn how. 

You may also use the Automatic Payments and Transfers Form to set up automatic transfers to or from your accounts. If you are withdrawing from a non-ASB account, you will need the account number and routing number, a voided check, or a copy of your statement. Return the form to any branch or mail to: 

American Savings Bank 
Attn: ACH Services 
P.O. Box 2300 
Honolulu, HI 96804-2300 

We need 5 business days from the date of receipt of your form to set up, change, or cancel your transfer. For loan payments we will send you a letter confirming the start date of your first automatic payment. Please continue to make your payments until you receive your confirmation letter.

We typically show two balances, current balance and available balance. 

The current balance is the total amount of money available in the account before pending transactions clear. You can view your current balance with Online Banking under "Account" and click on the "Details" tab.

The available balance is the amount of funds that are available to you after pending transactions clear. Always use the available balance when monitoring your account.

Yes. When using an ATM that is not owned or operated by ASB, we will refund you up to $10 for Kalo Plus^SM or $25 for Kalo Deluxe^SM customers per statement period in ATM withdrawal fees charged by either ASB or the other bank or ATM operator.

Your ATM fee rebate will be credited to your account at the end of your monthly statement cycle.

Yes, ASB does have an overdraft fee when funds are paid from your account even though you do not have enough available in your account. See our Personal Deposit Terms and Conditions for more information.

You can avoid overdraft fees by enrolling in online banking and tracking your balance and transactions. Some transactions do not get deducted from your account right away.

Apply for overdraft protection such as Savings Overdraft Transfer or our Preferred Creditline Overdraft Protection. See our Overdraft Solutions guide for more information.