Helm Bank USA

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Helm Bank USA will help you manage your business cash flow, efficiently and effectively while keeping your finances secure. In order to help you make the best decision, here is a brief description of each of our business products.




HELM BUSINESS SAVINGS


Earn interest and maximize earnings on the money you have set aside to build and grow your business. Interest accrues daily and is credited to your savings account on a monthly basis. Business have full access to funds and can use wire transfers to make withdrawals.  Transfers and withdrawals from a savings account is limited to a combined total of six (6) per calendar month. There is a minimum balance requirement to avoid the imposition of fees.



HELM BUSINESS MONEY MARKET


Money Market accounts are similar to savings accounts, but require you to maintain a higher balance to avoid monthly fees. Interest accrues daily and is credited to your money market account on a monthly basis. Customers can use checks or wire transfers to make withdrawals.  Transfers and withdrawals from a money market account is limited to a combined total of six (6) per calendar month. There is a minimum balance requirement to avoid the imposition of fees.



HELM CERTIFICATE OF DEPOSIT


Invest your money at a set interest rate for a specific period of time. This specific period of time is known as the “term”. Our Certificate of Deposits (CD's) are an alternative to our savings accounts and provides you with the opportunity to earn a higher interest rate. Certificates are issued with flexible maturities ranging from 30 days to 60 months. CD's earn simple interest that can be paid monthly, quarterly, semi-annually or at maturity.


You may not make any deposits into your Certificate of Deposit before maturity. You can withdraw your funds prior to maturity, but will be subject to an early withdrawal penalty.  There is a minimum balance requirement to open and maintain a certificate of deposit.

Helm Business Banking

Saving Accounts and CD´s

Added benefits with your Helm Bank USA Business Savings, Money Market and Certificate of Deposit account

  • With any of our checking account options, you can set and activate a variety of alerts when enrolled with our Helm Online service. For example, you can set an alert to notify you when your account’s starting balance is at or below the minimum amount specified. Account alerts are free of charge.
  • View up to 13 months of statements once enrolled with our Helm Online service.
  • Download banking transactions once enrolled with our Helm Online service.
  • FDIC Insurance: The FDIC covers all types of deposits, including checking accounts, money market accounts and certificate of deposit up to the maximum deposit insurance amount ($250,000) per corporation, partnership or unincorporated association.

For minimum balance requirements, monthly service fees and additional consumer account information,

please refer to the Products, Services & Fees schedule.


Have a question on which deposit account is best for you?

Make an appointment today with one of Commercial Managers located in any of our Account Representative Offices our brand.  They will personally assist you in selecting the best account that fits your banking needs. 

Refer to the Offices tab for hours of operation and locations.

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