A Secured Visa® card from American Savings Bank may be the ideal solution for customers with little or no credit history who are finding it difficult to obtain credit.

With our Secured Visa, you get a card with no annual fee that works like a regular Visa except that the line of credit is secured by an equal amount of funds held on deposit in a Statement Savings account at American Savings Bank. So even if you typically pay cash for everything, you’ll have a line of credit that is there when you need it. You’ll continue to earn interest on the funds held in your Statement Savings account. With a Secured Visa card you get worldwide acceptance and cash advances.

Plus sign up for the optional TravelAwards PlusSM Program and earn valuable points whenever you use your card to make a purchase. Use your points for free or discounted travel, gift cards/certificates from local merchants and free brand name merchandise.

	Highlights Below > Benefits You’ll Receive > Fast Facts > Additional Benefits

Benefits You’ll Receive1

• Free online access to your account
• Access to account information through AccountAbility^SM bank-by-phone service
• Save and Earn rewards - Visa Rewards Online and TravelAwards Plus (optional)
• Worldwide acceptance
• Local servicing
• Visa's Zero Liability policy on unauthorized transactions1
• Up to $200,000 common carrier travel accident insurance when purchasing tickets with your Visa
• Auto rental insurance at no additional cost

	Fast Facts
	Interest Competitive Interest Rate
	Monthly Payments May be made automatically

1. Certain restrictions, limitations, exclusions apply.
2. There may be additional charges, such as a late fee or an over-limit fee, and service fees. Please see your card agreement for details.

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Additional Benefits

Cash When You Need It

• Cash advances — Available at any of our branches, worldwide at ATMS displaying the Visa logo, and from more than 400,000 Visa member offices; up to the balance in your Statement Savings account.

Protection When You Travel

• Travel insurance — When you purchase your tickets on any licensed common carrier, you and your family are covered up to $200,000 of Travel Insurance, at no additional charge to you.

Additional Services

• Emergency Cash Disbursement and Card Replacement — Replacement within 24 hours if your card is lost in the US or Canada; elsewhere, cards can be replaced within one business day.
• Lost tickets — Pickup or delivery of replacement tickets and help with the procedures for reimbursement if needed.