Deposit Agreements & Disclosures

Clear, Transparent, and Easy to Understand

At Helios Trust Bank, we believe in full transparency when it comes to your accounts. Our Deposit Agreements & Disclosures explain the terms, conditions, and responsibilities that apply when you open and use a checking, savings, or certificate of deposit (CD) account with us.

What’s Included

General Account Terms

Eligibility requirements for opening and maintaining accounts.
Rules governing deposits, withdrawals, and funds availability.
Interest calculation methods (for applicable accounts).
Account ownership types (individual, joint, custodial, etc.).

Fees & Charges

Monthly maintenance fees (if any) and waiver conditions.
Overdraft and non-sufficient funds (NSF) fees.
ATM usage fees (Helios vs. non-network).
Stop-payment, wire transfer, and check order charges.

👉 See full details on our [Rates & Fees] page.

Electronic Services

Online and mobile banking terms.
Electronic statement delivery and recordkeeping.
Authorization of electronic transfers (ACH, direct deposit, bill pay).

Funds Availability Policy

When deposits (cash, check, electronic) will be available for withdrawal.
Special rules for large deposits, new accounts, and international items.

Privacy & Security

How we collect, protect, and use your personal and financial information.
Your rights under the Gramm-Leach-Bliley Act (GLBA).
Our fraud prevention and identity theft safeguards.
👉 Learn more in our [Security & Privacy Notices].

Your Responsibilities

As a customer, you agree to:

Review statements regularly and report errors promptly.
Keep your contact information up to date.
Safeguard your debit card, PINs, and login credentials.
Use accounts in compliance with applicable laws and regulations.

Changes to Agreements

We may update account agreements or disclosures from time to time to comply with legal, regulatory, or business requirements. Customers will be notified in advance as required by law.

Questions or Requests

Need a copy of your account agreement or additional clarification? We’re here to help.

📧 [email protected]
☎️ +1 548-457-9847
📍 Visit any Helios Trust Bank branch

Head Office: W 153rd St, New York, NY 10039
Tax Identification Number: 39-4000137
Phone: ‪+1 (548) 457-9847

With robust data protection, personalized service, and a commitment to transparency, Helios Trust Bank is more than just a bank — we’re a financial partner you can rely on.