Effective August 2016
Products
• PERSONAL BANKING
• Checking Account
Personal checking accounts require:
A minimum balance of $10,000.00 to open.
A minimum "Daily" balance of $10,000.00 to avoid imposition of
maintenance fees.
Minimum Daily Balance:
$ 10,000.00 or more
$ 9,999.99 or less
Maintenance Fees:
None
$100.00 per month
Other use of funds charges:
Fees:
$ 40.00 each
$ 40.00 each
Overdrafts
• NOW Account
Personal NOW checking accounts require:
A minimum balance of $10,000.00 to open.
A minimum "Daily" balance of $10,000.00 to avoid imposition of
maintenance fees.
A minimum "Daily" balance of $10,000.00 to obtain the annual
percentage yield
Average daily balance computation method:
Interest accrues daily and is credited to your account monthly.
Minimum Daily Balance:
$ 10,000.00 or more
$ 9,999.99 or less
Maintenance Fees:
None
$100.00 per month
Other use of funds charges:
Fees:
$ 40.00 each
$ 40.00 each
Overdrafts
• Money Market Account
Personal Money Market accounts require:
A minimum balance of $10,000.00 to open.
A minimum "Daily" balance of $10,000.00 to avoid imposition of
maintenance fees.
A minimum "Daily" balance of $10,000.00 to obtain the annual
percentage yield
daily balance computation method:
Interest accrues daily and is credited to your account monthly.
Minimum Daily Balance:
$ 10,000.00 or more
$ 9,999.99 or less
Maintenance Fees:
None
$100.00 per month
Other use of funds charges:
fee
Excess
Fees:
$ 10.00 per transaction
$ 40.00 each
$ 40.00 each
Overdrafts
Transaction Limitations:
If excessive transactions in violation of Federal Regulations
persist, the Bank will notify you and may close your account
or place the funds in a transactional account. Up to 6 transfers
from a Money Market account to another account or to third
parties through preauthorized, automatic transfer, telephone
agreement, order or instructions, by check, draft, debit card,
or similar order are allowed per statement cycle. For each
transfer in excess of 6 transactions, a $10.00 fee will be
charged per transaction.
• Certificate of Deposits
Personal Certificate of Deposit accounts require:
A minimum balance of $10,000.00 to open.
Our Certificate of Deposits are an alternative to our saving accounts
and provides the opportunity to earn locked-in higher rates of interest
on your investment. Certificates are issued with flexible maturities
ranging from 30 days to 60 months.
Certificates of Deposits earn simple interest that can be paid
monthly, quarterly, semi-annually or at maturity.
• Savings Account
Personal Savings accounts require:
A minimum balance of $5,000.00 to open.
A minimum "Daily" balance of $5,000.00 to avoid imposition of
maintenance fees.
A minimum "Daily" balance of $5,000.00 to obtain the annual
percentage yield (APY).
Average daily balance computation method:
Interest accrues daily and is credited to your account monthly.
Minimum Daily Balance:
$ 5,000.00 or more
$ 4,999.99 or less
Maintenance Fees:
None
$100.00 per month
Other use of funds charges:
Excess Transaction fee
Fees:
$ 3.00 per transaction
$ 40.00 each
$ 40.00 each
Overdrafts
Limitations:
Up to 6 transfers from a Savings account to another account or to
third parties through preauthonzed or automatic transfer, telephone
agreement, order or instructions, by draft, debit card, or similar order
are allowed per month. For each transfer in excess of 6 transfers a
$3.00 fee will be charged per transaction.
• BUSINESS BANKING
• Checking Account
Business checking accounts require:
A minimum of $10,000,00 to open.
A minimum "Daily" balance of $10,000.00 to avoid imposition of
maintenance fees.
The account is charged based on an analysis of the account's activity.
Charges Analyzed Monthly:
Maintenance Fee:
Debits
Credits
Items Deposited
Overdrafts
$100.00 per month
$ 0.15 each
$ 0.25 each
$ 0.15 each
$ 40.00 each
$ 40.00 each
Additional Information for your Business Checking Account:
Commercial accounts provide an earnings credit on collected
monthly service charges.
deposits which is used to
• Money Market Account
Business Money Market accounts require:
A minimum balance of $10,000.00 to open.
A minimum "Daily" balance of $10,000.00 to avoid imposition of
maintenance fees.
A minimum "Daily" balance of $10,000.00 to obtain the annual
percentage yield (APY).
Average daily balance computation method:
Interest accrues daily and is credited to your account monthly.
Minimum Daily Balance:
$10,000.00 or more
$9,999.99 or less
Maintenance Fees:
None
$100.00 per month
Other use of funds charges:
Excess Transaction fee
Fees:
$ 10.00 per transaction
$ 40.00 each
$ 40.00 each
Overdrafts
Transaction Limitations:
If excessive transactions in violation of Federal Regulations persist,
the Bank will notify you and may close your account or place the
funds in a transactional account. Up to 6 transfers from a Money
Market account to another account or to third parties through
preauthorized, automatic transfer, telephone agreement, order or
instructions, by check, draft, debit card, or similar order are allowed
per statement cycle. For each transfer in excess of 6 transactions,
a $10.00 fee will be charged per transaction.
• Savings Account
Business Savings accounts require:
A minimum balance of $5,000.00 to open.
A minimum "Daily" balance of $5,000.00 to avoid imposition of
maintenance fees.
A minimum "Daily" balance of $5,000.00 to obtain the annual
percentage yield (APY).
Minimum Daily Balance:
$ 5,000.00 or more
$ 4,999.99 or less
Maintenance Fees:
None
$100.00 per month
Other use of funds charges:
Excess Transaction fee
Fees:
$ 3.00 per transaction
$ 40.00 each
$ 40.00 each
Overdrafts
Transaction Limitations:
Up to 6 transfers from a Savings account to another account, or
to third parties through preauthorized or automatic transfer, or
telephone agreement, order or instructions, by draft, debit card,
similar order are allowed per month. For each transfer in excess of
6 transfers, a $3.00 fee will be charged per transaction.
• Certificate of Deposits
Business Certificate of Deposit accounts require:
A minimum balance of $10,000.00 to open.
Our Certificate of Deposits are an alternative to our saving
accounts and provides the opportunity to earn locked-in higher
rates of interest on your investment. Certificates are issued with
flexible maturities ranging from 30 days to 60 months. Certificates
of Deposits earn simple interest that can be paid monthly, quarterly,
semi-annually or at maturity.
• Business Portfolio
can easily manage your company's finances with our new
integrated business banking portfolio.
www.helmbankusa.com
Helm One Portfolio Includes:
• Helm Business Checking Account
A highly transactional account that allows unlimited monthly
debits and the withdrawal of funds by check or wire transfer.
• Helm Money Market Account
A highly balance account that earns interest with up to six
(6)third party transactions per statement cycle as permitted
by law.
• Helm Business VISA
Helm Bank USA offers you a U.S. issued VISA business
credit card accepted worldwide for your corporate needs,
with low rates and low annual fees.
For account requirements and fees, please refer to the detailed
description provided in this brochure under the appropriate
product and service.
• LOAN PRODUCTS
• Mortgages
several mort gage programs for the purchase
The Bank o
of residential properties in the State of Florida, either for use as
a primary residence or as second homes, with comp etitive rates,
a quick appr oval process and terms of up to 30 years.
• Second Mortgages and Home Equity Line of Credit
Available as term loans or as revolving lines of credit for personal or
for business purposes using the available equity in your property.
• Car and Trucks
Special loan programs designed specifically for foreign
nationals with little or no cred it history in th e U.S. for the
pu rchase of new or used cars. The Bank also finances the
purchase of new or used heavy trucks for owner-operators.
• Commercial Real Estate
The Bank
financing on condo warehouses and other
investment and income producing pro perties.
construction loans on a select basis.
The Bank also o
• Commercial and Trade Finance
Account receivables and inventory financing, business working
capital and lines of credit. The Bank provides commercial and
standby letters of credit in support of impor t/export activities.
• VISA Credit Card
a U.S. issued VISA credi t card accepted
The Bank o
worldwide for your Personal and Corporate needs, with low rates
and low annual fees.
• DISCLOSURES
Please refer to the Bank's Account Agreement-Terms
& Conditions for more information on the following
Regulations:
• Truth-in-Saving Disclosure regarding Account Terms
• Determining the Availability of a Deposit
• Check 21-Substitute Checks
• Error Resolution Procedures
• E-Sign Act Disclosure Statement
M E M B E R
• Privacy Disclosure
EQUAL HOUSING
LENDER
INSURED UP TO $ 250.000
Services
Service
• Use of Funds
N
Overdrafts
Use of Uncollected Funds
Deposit Item Return
Stop Payment
Fee
$
$
$
$
$
40.00 each
40.00 each
40.00 each
15.00 each
40.00 each
Additional Information on NSF-Insufficient/Overdrafts:
Fees apply to overdrafts credited by check, in-person
withdrawal, or other electronic means.
• Statements
Copies
Hold Mail
Return Mail
Computer Printout s
$ 20.00 each
$ 20.00 per statement cycle
$ 15.00 monthly
$ 3.00 each
• Special Checks
Cashier's Check
Cashier's Check-Exchange
$ 20.00 each
$ 30.00 each
• Collections
Domestic
Foreign Banks
Canadian
$ 40.00 each
$ 50.00 each
$ 10.00 each
Additional Information on Foreign Bank Collections:
Courier Fees may apply.
• Wire Transfer
Incoming Wire Transf er
Internal Wire Transfer
Outgoing Wire Transf er
Outgoing-Foreign Currency
Fedmail Confirmations
by Email
Wire
No Charge
$ 10.00 each
$ 40.00 each
$ 50.00 each
$ 15.00 per statement cycle
$ 10.00 each
• Safe Deposit Boxes
3x5
3x10
5x10
10x10
Key Deposit
Drilling
$ 50.00 annually
$ 75.00 annually
$ 125.00 annually
$ 150.00 annually
$ 25.00
$ 200.00
• Loan Servicing
$ 35.00 each
Quote
Pa
$ 25.00 each
NSF Payment Reversal
* Returned Payment or Returned Check
Recording
$ 18.50 each
Re-Amortization of a Monthly Payment $ 250.00 each
Annual Home Equity Line of Credit
$ 25.00 annually
Commitment Fee
Standby Letter of Credit
Payment Collection
$ 150.00 each
Outgoing Wire Transfer
$ 40.00 each
Copy Fee
$ 1.00 each
Reference Letter
$ 15.00 each
Reference Letter-Rush
$ 30.00 each
Duplicate Copy of a Statement
$ 3.00 each
Loan Cashier Check Stop Payment
$ 40.00 each
Information on your Late Payment Fee:
If your payment is past due according to the terms listed
on your loan agreement, than a late fee of 5.00% of the
principal and interest amount will be charged.
Service
Fee
• Other Bank Services
Account Closed Within 90 Days of Opening $ 100.00 each
Bill Payment
$ 20.00 each
of Deposit Assignment
(other institution)
$ 50.00 each
Copy of Cancelled Check
or Deposit Items
$ 5.00 each
Courier Service I Express Mail
$ 40.00 each
$ 100.00 per account
Deceased Depositors Documents
No Charge
Direct Deposit
Dormant Account
$ 25.00 per statement cycle
Additional Information on Dormant Accounts
An account is Dormant if for 12 months there is no activity
in the account and no contact has been made with the Bank.
Helm Compensation
Execution of Legal Process
Garnishment I Levy's, Other
Fax Service up to 3 pages
Helm Check
Photocopy
Reference Letter
Reference Letter-Rush
Records Research Fee
• VISA Credit ATM & Debit Cards
Same Day Payment Processing
* Request must be in writing and received
by 12 p.m. on the date of the payment.
Credit Card Replacement Fee
* First replacement is free of charge
Credit Card Expiration Date Change
Credit Card Rush Order
Credit Card PIN Order
VISA Gold Annual Membership Fee
VISA Platinum Annual Membership Fee
VISA Gold Business Annual Membership Fee
Credit Card Late Payment Fee
Credit Card Returned Check Fee
Credit Card Cash Advance Fee
* 3.5% or $10.00 not to exceed $50.00
Card Replacement Fee
* First replacement is free of charge
Card Expiration Date Change
Card Rush Order
Card PIN Rush Order
Card PIN Reminder Order
Withdrawals
Courier Fee
Return Mail Fee
24 hour banking service with
card wherever you
your
see the signs:
No Charge
$ 100.00 each
$ 10.00
$ 50.00 monthly
$ 15.00 each
$ 15.00 each
$ 30.00 each
$ 30.00 per hour
$ 20.00 each
$ 25.00 each
$ 25.00 each
$ 25.00 each
$ 25.00 each
$ 75.00 annually
$ 100.00 annually
$ 75.00 annually
$ 39.00 each
$ 30.00 each
$ 25.00 each
$
$
$
$
$
$
$
25.00 each
35.00 each
25.00 each
15.00 each
2.50 each
40.00 each
40.00 each
HLB116