Compare Checking Accounts

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Minimum Opening Deposit

Interest Bearing

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.

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

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

Bill Pay Service Fee

Mobile Check Deposit

ATM Fee Rebate5

Up to $8 per monthly statement period

Up to $12 per monthly statement period
Kalo Design Checks
Kalo Design Starter Checks

Visa® Debit Card

Statement Savings Account Monthly Service Fee

Paper Statement Fee

Paper Image Statement Fee

Incoming Wire Transfer Fee

Cashier's Check Fees

Fee Charged6

Notary Fee7

Fee Charged6

$10 assessed per day when a transfer is made

$5 assessed per day when a transfer is made

Annual Fee on Preferred CreditLineSM Overdraft Protection9

Certificate of Deposit (CDs)
Terms of 30 days or more.
Preferred Rates Not Available

Preferred Rates Not Available

Higher Interest Rates
New Preferred CreditLine Overdraft Protection9, 10
Preferred Rates Not Available

Interest Rate Discount

Interest Rate Discount
New Home Equity Line of Credit9, 10
Preferred Rates Not Available

Margin Discount

Margin Discount
Residential Mortgage9
New purchase or Refinance.
Loan Discount Not Available

Loan Discount Not Available

$150 off Lender Fees
Fee Waiver Not Available

Fee Waiver Not Available

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 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.