You may set up direct deposit by providing your employer with the American Savings Bank routing number: 321370765 and your checking account number or savings account number, payroll ID number (in most cases, your Social Security Number), and our mailing address:

American Savings Bank
P.O. Box 2300
Honolulu, HI 96804-2300

You may also use our Switch Kit form. For checking accounts it's best to provide a voided check.

To order checks from our check provider, Deluxe, please call 877-838-5287 or place an order online. You can select the quantity and style of checks you wish to order. You will need the bank routing number (321370765), your checking account number, and the next check starting number.

Setting up automatic transfers including loan payments is easy with Online Banking. Click here to learn how >

You may also use the Automatic Payments and Transfers form to set up automatic transfers to or from your accounts. If you are withdrawing from a non-ASB account, you will need the account number and routing number, a voided check, or a copy of your statement. Return the form to any branch or mail to:

American Savings Bank
Attn: ACH Services
PO Box 2300
Honolulu, HI 96804-2300

We need 5 business days from the date of receipt of your form to set up, change, or cancel your transfer. For loan payments we will send you a letter confirming the start date of your first automatic payment. Please continue to make your payments until you receive your confirmation letter.

We typically show two balances, current balance and available balance. The available balance is the amount of funds that are available to you after pending transactions clear. Always use the available balance when monitoring your account.

Your ATM fee rebate will be credited to your account at the end of your monthly statement cycle.

Term insurance provides a level premium and a level-death benefit protection for a stated period of time, such as 10 or 20 years. Term insurance can be a good fit for younger individuals and families, who need protection against the loss of income of a primary earner for a stated period of time, at an affordable cost. It has no savings component. In most cases, a medical examination will be required. Permanent insurance typically provides both a death benefit and a savings component. There are different types of permanent insurance, including whole life, universal life, index-universal life, variable life and variable-universal life. Permanent insurance may provide protection for your entire life. If a guaranteed level premium is important to you, make sure your policy provides for one. Permanent insurance accumulates a cash value, and the policy owner may be able to borrow against it tax-free or use it for retirement or other goals (like education). Premiums are initially higher than for term coverage.

Ask yourself the following questions:

• How much of the family income do I provide?
• If I were to die, how would my survivors, especially my children, get by?
• Does anyone else depend on me financially, such as a parent, grandparent, brother or sister?
• Do I have children for whom I would like to set aside money to finish their education in the event of my death?
• How will my family pay final expenses and repay debts after my death?
• Do I have family members or organizations to whom I would like to leave money?
• Will there be estate taxes to pay after my death?
• How will inflation affect future needs?

Some insurance experts suggest that you purchase five to eight times your current income. However, it is better to go through the above questions to figure a more accurate amount.

You may have enough coverage from your employer, however, you will want to think about what will happen to that coverage if you leave your current employer. Is it portable? Will the premiums go up as you get older?