Kalo Deluxe Checking

Exclusive and preferred rates, waived fees and more - our benefits make banking easy

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Tap your contactless ASB Visa® Debit Card or connect it to your smartphone and pay while on-the-go

Kalo Deluxe Checking   
Product Features & Benefits

  • $20 minimum opening deposit1

  • No monthly service fee with $30,000 in combined personal monthly average deposit2 and/or outstanding loan3 balances or $5,000 in direct deposits per statement period4otherwise $25 per month

  • ATM fee rebate (up to $12 per statement period)5

  • Exclusive discounted interest rates for (non-promotional) and new Preferred CreditLineSM6

  • Overdraft discounts include fee waivers for Savings Overdraft Transfer Fees7 and Annual Preferred CreditLineSM, 8 Fees

  • Visa's Zero Liability Policy9 ensures that you won’t be held responsible for unauthorized purchases from fraudulent transactions made using your ASB Visa Debit Card.

  • $150 off Lender Fees for Residential Mortgage Loan including new purchase or refinance

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Product Guide

Additional product information and things you should know

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Start your teens on their financial journey!

Teen Checking Account Features & Benefits

  • Available for 13 - 18 year olds, with a valid government-issued ID

  • Visit any branch to open a Kalo checking account with a parent or guardian over 18 years old

  • VISA® Debit Card can be added to a Mobile Wallet for faster, contactless checkouts with extra security

  • Account access with Online Banking and our top-rated ASB Hawaii Mobile App

  • Same-day online transfers between ASB accounts

  • Set up transaction alerts to monitor account activity and balances

Common Questions:

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  1. We reserve the right to close an account that has a zero balance for 30 or more consecutive calendar days.
  2. Deposit balances include checking, savings, money market, CD and IRA balances.
  3. Loan balances include HELOCs and other consumer loans and lines of credit, except residential mortgage and credit card balances.
  4. Direct deposit means electronic government or payroll deposits made to the account during the statement period.
  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.
  6. The loans and lines are subject to credit approval. If the loan/line has a variable rate, your discounted rate will not be lower than the minimum rate established for that product. The preferred rates will only apply to accounts that are made after the Kalo Plus or Kalo Deluxe Checking account is opened and cannot be added on to any promotional rate. Contact a branch for details.
  7. For Savings Overdraft Transfer, a Statement Savings or ASB Tiered SavingsSM account is required to participate in this service. Regulatory transfer limits apply. There is no annual fee.
  8. The "Zero Liability Policy" is a Visa policy, which may be subject to change. For more information on eligibility, the dispute process, and other terms and conditions, visit https://usa.visa.com/pay-with-visa/visa-chip-technology-consumers/zero-liability-policy.html.