American Savings Bank’s ATMs offer the convenience of 24-hour access to your funds. And it’s easy to find a Money ExpressSM ATM located near you — at your local mall, near your favorite restaurant, and at select locations throughout the islands. Plus, ATMs are quick — there’s no waiting in line at a branch.

Access your accounts at any Money Express ATM. Simply use your American Savings Bank Visa® Business Check Card to deposit funds or withdraw cash from your business checking account. Use your Visa Business Check Card to access the services of a worldwide network of ATMs displaying the PLUS SYSTEM® logo.

Most American Savings Bank’s ATM’s allow you to withdraw cash and, depending on the network, make deposits to your business accounts. American Savings Bank also offers the newest generation of ATMs — ‘Smart’ ATMs — at certain locations. These ‘Smart’ ATMs give you even more capability: you can deposit an individual check and receive an image of that check on your receipt,1 you can make an envelope deposit (the receipt will not have an image of the check with an envelope deposit), you can withdraw funds in dollars and cents, or cash checks to the penny.2

If you have questions about how to use an ATM or a Smart ATM, simply stop by any branch. We’ll be happy to assist you in getting started.

	Highlights Below > Benefits of Using an ATM > Comparison of ATMs and 'Smart' ATMs > ATM Access > ATM and 'Smart' ATM Locations

• Conveniently located throughout Hawaii
• Easy access to cash and your accounts day or night
• Cash checks and receive images of deposited checks at our 'Smart' ATMs
• Transfer funds between American Savings Bank accounts
• Check balances on your accounts at your convenience
• Receive a complete record of your transactions on your monthly statement

	ATMs vs. 'Smart' ATMs
	Function	ATM	'Smart' ATM
	Deposits1	All deposits must be made in an envelope Receipt will acknowledge deposit	Deposit a single check and receive an image of the check on your receipt, or Deposit more than one checks in an envelope, the receipt will acknowledge amount of the deposit but will not include an image of the checks.
	Withdrawals2	In $20 increments	Allows withdrawals in dollars and cents Cash checks to the penny

1. Funds from deposits are subject to verification. They may not be available for immediate withdrawal. Please refer to your account rules regarding availability of funds.
2. ATM withdrawals are processed before deposits. If you do not have sufficient funds in your account, the ATM will process the deposit portion of the transaction, but not the withdrawal.

ATM Access
A Visa Business Check Card offers ATM access, plus you can use your card to make purchases wherever Visa Cards are accepted. More

		Business Check Card2
	Fees
	Monthly/Annual Fee	None
	American Savings Bank ATM Transaction Fee	$1.00 per mini-statement Otherwise, none
	Non-American Savings Bank ATM Transaction Fees	$1.00 per withdrawal2 $2.50 per withdrawal2 outside the U.S. In addition to these fees, ATM owners may assess a service charge for using their ATM
	Transactions
	Withdrawals	Depends on tier selected. Tier 1 can withdraw up to $10,000 or available balance.
	Deposits	Yes4
	Purchases	Depends on tier selected. Tier 1 can withdraw up to $10,000 or available balance.

1. Application transactions are determined by the tier selected at the account opening.
2. Please refer to your card agreement for all the terms and conditions that apply to your card. Some banks may have higher fees for withdrawal and balance inquiries.
3. Visa cash advances begin accruing interest on the day of the transaction.
4. At American Savings Bank ATMs only.