Checking Accounts

Offering a variety of options for the globally connected client

 

With our checking accounts you can easily access your money using our HelmInOne Online Banking, bill payment, person-to-person electronic payments and mobile banking services. Plus, free incoming wire transfers on all of our checking accounts.

You can enjoy the following easy-to-use features with any of our checking accounts:

  • Alert notification: Set and activate a variety of alerts when enrolled in HelmInOne Online Banking. 
  • Go paperless: Receive electronic delivery of documents, including statements with check images and notices when enrolled in eStatements.
  • Mobile banking:  Coming soon, simpler banking at your fingertips when download our app on the App Store or Google Play.
 
 
In order to help you make the best decision, here is a brief description of each.
HelmInOne: Our Digital Banking Solution 
 
 

Helm Personal Checking

 

Transactional account that allows unlimited monthly transactions by check, wire transfer or in-person deposit.
 

 Minimum opening deposit: 
$25,000.00 

Minimum daily balance: $25,000.00 to avoid a $100.00 monthly maintenance fee.

Helm  Personal NOW

 

Interest bearing account that allows you to  keep a minimum balance. Allows unlimited monthly transactions.

 Minimum opening deposit: 
$25,000.00 

Minimum daily balance: $25,000.00 to avoid a $100.00 monthly maintenance fee.

Helm Personal Money Market

 

Interest bearing account where transfers and withdrawals are limited to a combined total of six (6) per statement cycle.
 

 Minimum opening deposit: 
$25,000.00 

Minimum daily balance: $25,000.00 to avoid a S100.00 monthly maintenance fee.
 
 
 
 
 
 
Look, Tap, Go with Contactless

Debit Cards

Helm Bank USA Debit Card offers you speed, simplicity and security of transactions. Your debit card comes with Contactless and EMV chip technology.  Enjoy a seamless checkout experience in-store or with in-app mobile purchases by adding your Debit Card in your digital wallet.
 
  • Tap-and-Go: Make checking out quick and easy: All you need to do is Look, Tap, Pay.
  • One-Time Code. Full-time protection: Contactless payments generate a one-time security code that protects your payment information. 
  • Digital Wallet: Make different types of transactions: from paying at the checkouts and online stores to peer-to-peer money transfers.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Savings & Certificate of Deposit

We Make Saving Simple

Discover the differences below.

Helm Personal Savings

 

Interest bearing account where transfers and withdrawals are limited to a combined total of six (6) per statement cycle.

Transactions per calendar month: Total of six (6) - combination of withdrawals and/or electronic transfers.

Minimum opening deposit: $5,000.00
 
 

Minimum daily balance: $5,000.00 to avoid monthly maintenance fee.

 Monthly maintenance fee: $100.00 

Certificate of Deposit

 

Earn simple interest that can be paid monthly, quarterly, semi-monthly or at maturity.
 

Certificate of Deposit Terms: 30 days to 60 months for personal banking.
 

 Minimum opening deposit: 
$10,000.00 with rates varying based on current market conditions.

HelmFlex Certificate of Deposit


Enjoy more flexibility with a Helm Flex Certificate of Deposit.
 

Certificate of Deposit Term: Twelve (12) months.
 


Minimum opening deposit: 
$100,000.00  with interest rates varying based on current market conditions.

Monthly Transaction: One (1) monthly withdrawal without incurring an early redemption penalty.

 
 
 
 
 
 
 
 
Designed with your security in mind

ATM Cards 

A Helm Bank USA ATM Card offers you enhanced security and wider international acceptance with EMV Chip-enabled and Contactless technology. Enjoy cash withdrawals in a safe and secure environment with access to your funds around the world.
 
  • Enhanced Security: EMV chip-card provides greater security and protection against counterfeit fraud when used at a chip-enabled ATM and does not store personal information.
  • Contactless Cash Withdrawal: A contactless card improves the speed and security of your transaction by simply swiping, scanning or tapping your card near the reader on a contactless-enabled ATM terminal.
  • Access to Worldwide Networks: Obtain cash virtually anywhere in the U.S. and in hundreds of countries worldwide with our ATM networks:     

  

 
 
Pay your bills from your mobile device or online – it’s simple, secure and easy.

Bill Pay

 

Our Bill Pay is a service that allows you to pay virtually anyone through your HelmInOne online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from.

With Bill Pay you’ll now be able to enjoy the following features:

  • Person-to-Person Payments: Make person-to-person payments electronically to anyone with a banking account within the United States and Puerto Rico.
  • Bill Payments: Pay from multiple accounts, set-up single or recurring payments.
  • Rush Payments: Initiate expedited payments.
  • Transfer Money: Move money where you need it from your online bill pay account.
  • Helm Support Hours: Monday through Friday from 8:30 a.m. to 6:00 p.m. (EST).

Watch a short video about Bill Pay to learn more about its features and check out our FAQ section below.

 

Bill Pay Frequently Asked Questions: 

Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It’s safe, secure and easy to use.
You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.
Payments are sent one of two ways — electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure and encrypted transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.