Standard Overdraft Practices:

Debit Card Coverage

This solution applies to one-time debit card and ATM transactions. If you choose to participate in Debit Card Coverage, you can cancel at any time. If you do not participate now, you can choose to do so later.

See What You Need to Know about Overdrafts and Overdraft Fees for more information.

  • Online: If you are enrolled in ASB Hawaii Online, simply sign in to online banking and click on the “Self Service” tab. Then click on the “Overdraft Solutions” link in the “Account Service” section and make your selection from the drop-down menu.
  • Phone: Call (808) 627-6900 or toll free (800) 272-2566
  • In Person: Visit any of our branches


Overdraft Courtesy

This service automatically comes with your checking account and covers checks and electronic payments. It does not cover ATM or one-time debit card transactions. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if American Savings Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee each time we pay an overdraft. Please refer to the link above for What You Need to Know about Overdrafts and Overdraft Fees for the applicable fees.


Protection Plans:

Preferred CreditLine Overdraft Protection1

This line of credit can be used to pay for emergency expenses or to protect your American Savings Bank checking account against overdrafts. An annual fee and finance charges on the outstanding balance apply. This program is subject to credit approval.

Savings Overdraft Transfer

Links your Statement Savings or ASB Tiered Savings account to your checking account. Money in your savings account can cover overdrafts on your checking account. There is a savings overdraft transfer fee per day that a transfer is made. Kalo PlusSM checking accounts enjoy a fee discount while Kalo DeluxeSM checking accounts have their fee waived. Please refer to the Personal Deposit Account Disclosure and Fees.


  1. Subject to credit approval and an annual fee.

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Tips To Help You Avoid Overdrafts

  • Watch your balance. Accurately track the money you deposit into and withdraw from your account. You can do this using a paper register or electronically through Online Banking. Remember to track your ATM withdrawals and transfers, debit card purchases, bills that get deducted electronically from your account, and the checks that you write. You may want to consider keeping a “cushion” of funds in your account to help prevent unintended overdrafts.
  • Apply for an overdraft protection option that could automatically help protect your account from being overdrawn.
  • Enroll in Online Banking and use it to quickly access and monitor your balance and account activity.
  • Keep in mind that any balance we provide may not be the amount that is actually available in your account to spend – there may be transactions that have not yet reached the bank such as checks, automatic payments, merchant holds (for point-of-sale transactions) and deposits in process. (Please note that some payment authorization systems allow merchants to ask for an authorization for an amount that is more or less than the actual transaction (for example, a gas station  submits an authorization for $75 even though the actual gas purchase is $42), so with point-of-sale transactions, we may hold funds in your account per the merchant’s direction.)
  • Sign-up for eAlerts through Online Banking to warn you when your account balance falls below a dollar amount you choose.
  • Verify automatic deposits you’re expecting have been credited to your account.
  • Review and reconcile your checking account statement every month.