American Savings Bank Hawaii 4+

I like the American Savings mobile banking app. What makes it stand out for me is how you can see each transaction and it subtracts the amount of that transaction in real time so you have an up to date balance. Even when they show pending, your balance is what it shows. The pending transaction have already been subtracted from your total balance. I have accounts at other banks as well, I won’t mention any names, but they dont do that, and if you’re making a lot of purchases with your debit card and you have a couple bills that come out automatically each month, it’s very easy to loose track, if your pending transactions aren’t accounted for in real time, and god forbid all of your funds have been depleted, and you’re tapped out, but your balance shows you have funds, because the pending transactions haven’t been accounted for, and they don’t show each individual transaction, you unknowingly decide to purchase a $2 hot dog, they slap you with a nice little $30 overdraft fee, each time you do it. That is why I appreciate the ASB debit card system. That is actually the reason I use this bank. It’s the little things that can make a huge difference. Aloha

Sharing what I learned. A teller suggested I talk to a specialist to help make my banking easier. To be polite I listened because that’s what our generation does. If you’re used to calling for balances or going to bank to move money around there is a way to do all of that and more on your phone 24/7. Ask the teller to have a specialist sit with you and show you how to down load app and use the app. Then go home and try it. Super easy and super convenient. Balances in less time than a call to the automated line. Way less time than driving to bank. You’ll be extremely surprised at how much you like it. I received a $7 refund check fro my eye doc. Since it was so small I waited until I had business at bank. Then I remembered you can take a picture of the check and deposit it from your phone on the app. I took an chance and did. Sooooo easy to deposit checks now. Then I was about to call for a balance and remembered I could use the app. Sooo fast, so easy. The only thing is you have to remember your login and password. Otherwise too easy. That’s my review hope it helps someone.

Although you can add a nickname to each payor, in the app that’s all you can see. For instance you and your spouse both have a Visa card and you nickname one wife and the other husband, you will only see wife and husband in the list of vendors. Ok if you only have one card but when you have several it’s impossible. Same if you have multiple properties and you nickname the address, but you do that with each utility and property tax, now you just see six listings with the same property but you have no idea what vendor you’re paying.

I also don’t like the fact that in the middle of actively working in the app it will close down automatically due to time and then everything is lost.

The worst past about the bill payment system is that if ASB has to use a third party to cut the check the money is removed from the account at that time NOT when the check is presented for payment! Which means you never know if a check has been actually received until you get a past due notice and the. Have to contact the bank, pay to be told the check hasn’t cashed and then pay to have a stop payment place and then fight to get the money reinstated and then start the process over again. In the meantime you the vendor dings you for being late and it affects your credit score and there’s nothing to fix it.