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Deposit Products



FREE CHECKING

Limitations:

  • $50.00 opening deposit required

Account Fees:

  • No monthly services charge
  • No minimum balance required
  • Unlimited check writing


N.O.W. CHECKING

Rate Information:

  • Interest bearing (please call for current rate)

Balance Information:

  • $500.00 minimum balance required to avoid a maintenance fee

Limitations:

  • $500.00 opening deposit required

Account Fees:

  • a $4.99 maintenance fee will be imposed every month if the balance in the account falls below $500.00 any day of the statement cycle


MONEY MARKET CHECKING

Rate Information:

  • Interest bearing (please call for current rate)

Balance Information:

  • $2500.00 minimum balance required to avoid a maintenance fee.

Limitations:

  • $2500.00 opening deposit required
  • You may make six (6) transfers from your account each (4) week or similar period. These transfers maybe made by check, draft, debit card, or similar order (including POS transactions), made by the deposit or made payable to third parties.
  • Transfers and withdrawals made in person, by messenger by mail or at an ATM are unlimited

Account Fees:

  • A $7.50 maintenance fee will be imposed every month if the balance in the account falls below $2500.00 any day in the statement cycle
  • A $5.00 excessive withdrawal fee will be imposed at the end of each month for each check to third parties in excess of the 6 check limit per month


BUSINESS CHECKING

Limitations:

  • $100.00 opening deposit required

Account Fees:

  • $1.50 per month base service charge
  • $0.025 ea. deposited item charge
  • $0.07 ea. debit item charge
  • For each $100.00 monthly average collected balance a credit will be applied AGAINST service fees: $0.25 per $100.00
  • All fees are analyzed monthly and statement is printed and sent at the end of the month


SAVINGS

Rate Information:

  • Interest bearing (please call for current rate)

Balance Information:

  • $50.00 minimum balance required to avoid a maintenance fee
  • You must maintain a minimum balance of $25.01 in the account each day to obtain the disclosed APY

Limitations:

  • $50.00 opening deposit required
  • You may make six (6) transfers from your account each four (4) week period or similar period, if by preauthorized or automatic transfer, or telephone agreement, order or instruction. These transfers may be made by draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.

Account Fees:

  • If balance falls below $50.00 during the statement cycle a $1.00 fee will be imposed
  • A $1.00 fee per transaction will be imposed at the end of each month for transaction in excess of the 6 withdrawal limit per month.

CERTIFICATES OF DEPOSIT

  TERM
CD's 6 MONTH
  1 YEAR
  2 YEARS
  3 YEARS
  5 YEARS
IRA's (FIXED)
  18 MONTHS
  3 YEARS
  5 YEARS
IRA's (VARIABLE)
  18 MONTHS


OTHER ACCOUNT FEES:

The following fees apply to all of your accounts with us:

Past Statement Printout: $3.00ea
Account Research: $50.00/hour & $3.00/sheet
Temporary Statement: $1.00 and $1.00 to fax

The following fees apply to all of your accounts with us except Certificates of Deposit and Time Deposit Accounts:

Overdraft Interest Rate: 18% APR
Overdraft Item: $25.00 per item - Item created by check, in-person withdrawal, or electronic means other than ATM and POS transactions
Bill Pay Overdraft Item: Additional $25.00 per item
Stop Payment: $25.00 per request
Returned Deposit: $3.00 per item
Dormant Account Fee: $2.50 per month
Funds Transfer: $2.00 per transfer
Returned Item Fee: $25.00 per item - Item created by check, in-person withdrawal, or electronic means other than ATM and POS transactions.


OTHER SERVICES:

Holladay Bank & Trust offers many services to our customers. Please contact us for further details on any of the following services:

  • ATM - There are no ATM fees at Holladay Bank & Trust's ATM and most Wells Fargo-owned ATMs. You may incur a small fee at ATMs owned and operated by other financial institutions
  • Cashier's Checks
  • Cash Advances
  • Coin Counting
  • Money Orders
  • Night Depository
  • Official Checks
  • Safe Deposit Boxes
  • Wire Transfers