Kalo PlusSM Checking

Everything from a Kalo EssentialsSM account - plus a monthly ATM fee rebate to help you reach your financial goals.

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Kalo PlusSM Checking Benefits1

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No service fee2

Qualify with $2,500 in direct deposits or 10 debit card transactions per statement period.3

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ATM rebate4

Use any ATM and we'll cover up to $10 in fees each statement period.

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Zero liability on fraudulent purchases5

Know your purchases are safe and secure.

No Service Fee.

Monthly Service Fee waived on all personal checking accounts with direct deposit minimums.2

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Buy Local HawaiiSM

Your ASB Visa® Debit Card just got more rewarding. Get in on the savings and find a participating merchant near you to get access to discounts at local merchants when using your debit card.

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Common Questions:

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  1. See Personal Deposit Account Terms and Conditions for more information.
  2. Direct deposit means electronic government or payroll deposits made to the account during the statement period. Minimum direct deposit requirements for Kalo PlusSM is $2,500. Additional options available for monthly service fee waiver. Otherwise, the monthly service fee $15 per statement period. 
  3. Eligible debit card transactions to waive the monthly service fee are in-store point-of-sale or online purchases made with your ASB Visa® Debit Card only. Money transfers, ATM transactions, peer-to-peer transfers, micro-deposit, and check payments do not qualify. Valid purchases must post and settle to the checking account associated with the debit card within the statement cycle. American Savings Bank has the sole discretion to determine a qualifying debit card transaction.  Merchants solely control when they post transactions, which may be on a date after the transaction itself.
  4. If you use an ATM that is not owned or operated by ASB within the United States, we will refund up to $10 per statement period in ATM withdrawal fees charged by either ASB or the other bank or ATM operator.
  5. 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.