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Accounts
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Minimum Opening Deposit

KALO ESSENTIALSSM CHECKING

$20

KALO PLUSSM CHECKING

$20

KALO DELUXESM CHECKING

$20
Interest Bearing

KALO ESSENTIALSSM CHECKING

No

KALO PLUSSM CHECKING

No

KALO DELUXESM CHECKING

Yes (tiered interest)
Monthly Service Fee2
†Deposit balances include checking, savings, money market, CD and IRA balances. ††Loan balances include HELOCs and other consumer loans and lines of credit, except residential mortgage and credit card balances.

KALO ESSENTIALSSM CHECKING

None

KALO PLUSSM CHECKING

$15 per month
Otherwise, waived if $7,000 in combined personal monthly average deposits†
and/or outstanding loan†† balances
OR
$2,500 in direct deposits per statement period3

KALO DELUXESM CHECKING

$25 per month
Otherwise, waived if $30,000 in combined personal monthly average deposits†
and/or outstanding loan†† balances
OR
$5,000 in direct deposits per statement period3
Monthly Fee
Optional services you select may incur fees.

KALO ESSENTIALSSM CHECKING

None

KALO PLUSSM CHECKING

None

KALO DELUXESM CHECKING

None
Bill Pay Service Fee

KALO ESSENTIALSSM CHECKING

None

KALO PLUSSM CHECKING

None

KALO DELUXESM CHECKING

None
Mobile Check Deposit

KALO ESSENTIALSSM CHECKING

Yes

KALO PLUSSM CHECKING

Yes

KALO DELUXESM CHECKING

Yes
ATM Fee Rebate5

KALO ESSENTIALSSM CHECKING

None

KALO PLUSSM CHECKING

Up to $8 per monthly statement period

KALO DELUXESM CHECKING

Up to $12 per monthly statement period
Kalo Design Checks

KALO ESSENTIALSSM CHECKING

Kalo Design Starter Checks

KALO PLUSSM CHECKING

Yes

KALO DELUXESM CHECKING

Yes
Visa® Debit Card

KALO ESSENTIALSSM CHECKING

Gold

KALO PLUSSM CHECKING

Platinum

KALO DELUXESM CHECKING

Platinum
Statement Savings Account Monthly Service Fee

KALO ESSENTIALSSM CHECKING

Fee Charged6

KALO PLUSSM CHECKING

Fee Waived

KALO DELUXESM CHECKING

Fee Wavied
Paper Statement Fee

KALO ESSENTIALSSM CHECKING

$5 per month

KALO PLUSSM CHECKING

Fee Waived

KALO DELUXESM CHECKING

Fee Waived
Paper Image Statement Fee

KALO ESSENTIALSSM CHECKING

Fee Charged6

KALO PLUSSM CHECKING

Fee Waived

KALO DELUXESM CHECKING

Fee Waived
Incoming Wire Transfer Fee

KALO ESSENTIALSSM CHECKING

Fee Charged6

KALO PLUSSM CHECKING

Fee Waived

KALO DELUXESM CHECKING

Fee Waived
Cashier's Check Fees

KALO ESSENTIALSSM CHECKING

Fee Charged6

KALO PLUSSM CHECKING

Fee Charged6

KALO DELUXESM CHECKING

Fee Waived
Notary Fee7

KALO ESSENTIALSSM CHECKING

Fee Charged6

KALO PLUSSM CHECKING

Fee Charged6

KALO DELUXESM CHECKING

Fee Waived
Savings Overdraft Transfer Fee8

KALO ESSENTIALSSM CHECKING

$10 assessed per day when a transfer is made

KALO PLUSSM CHECKING

$5 assessed per day when a transfer is made

KALO DELUXESM CHECKING

Fee Waived
Annual Fee on Preferred CreditLineSM Overdraft Protection9

KALO ESSENTIALSSM CHECKING

Fee Charged6

KALO PLUSSM CHECKING

Fee Waived

KALO DELUXESM CHECKING

Fee Waived
Certificate of Deposit (CDs)
Terms of 30 days or more.

KALO ESSENTIALSSM CHECKING

Preferred Rates Not Available

KALO PLUSSM CHECKING

Preferred Rates Not Available

KALO DELUXESM CHECKING

Higher Interest Rates
New Preferred CreditLine Overdraft Protection9, 10

KALO ESSENTIALSSM CHECKING

Preferred Rates Not Available

KALO PLUSSM CHECKING

Interest Rate Discount

KALO DELUXESM CHECKING

Interest Rate Discount
New Home Equity Line of Credit9, 10

KALO ESSENTIALSSM CHECKING

Preferred Rates Not Available

KALO PLUSSM CHECKING

Margin Discount

KALO DELUXESM CHECKING

Margin Discount
Residential Mortgage9
New purchase or Refinance.

KALO ESSENTIALSSM CHECKING

Loan Discount Not Available

KALO PLUSSM CHECKING

Loan Discount Not Available

KALO DELUXESM CHECKING

$150 off Lender Fees
Benefits

KALO ESSENTIALSSM CHECKING

Fee Waiver Not Available

KALO PLUSSM CHECKING

Fee Waiver Not Available

KALO DELUXESM CHECKING

Certain Fees Waived

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  1. Subject to applicable laws, we may add or change products, features, terms and conditions from time to time.
  2. We reserve the right to close an account that has a zero balance for 30 or more consecutive calendar days.
  3. Direct deposit means electronic government or payroll deposits made to the account during the statement period.
  4. An internet-enabled device is required to access Online Banking; enrollment required. Downloading the ASB Hawaii Mobile App is required for Mobile Check Deposit. Standard messaging and data usage fees apply; contact your mobile carrier for details.
  5. If you use an ATM within the U.S. that is not owned or operated by ASB, we will refund ATM withdrawal fees charged by either ASB or the other bank or ATM operator as shown in the chart above.
  6. See the Personal Deposit Terms and Conditions book for fee charged.
  7. Based on availability at selected branches. Visit our website at asbhawaii.com/locations for branches with availability.
  8. For Savings Overdraft Transfer, a Statement Savings or Tiered Savings account is required to participate in this service. There is no annual fee.
  9. Loans and lines of credit are subject to application, credit qualification, underwriting and credit policy of ASB.
  10. A discount is offered for Preferred CreditLine Overdraft Protection accounts. The Kalo Plus or Kalo Deluxe Checking account must be open at the time of application or loan closing for the discount to be applicable. For details, please refer to your loan documents or disclosures.