Hybrid Account

My Utah is having fun in the summer and winter,
and finding a solid way to save and spend
- the best of both worlds.

You like to plan ahead, but you also enjoy living in the moment.

Experience the power to save and the freedom to spend all at once
with the Hybrid account – a checking and savings blend –
and enjoy all life has to offer now and down the road.

Open an Account


Spend, Save and Earn

With the ability to gain interest through our tiered rates (view rates)

Use Your Custom Debit Card

With multiple ways to pay, including access to Apple Pay, Google Pay and Samsung Pay for digital payments

Protect Against Fraud

With Zero Liability debit and credit card protection, and fraud protection features with CardValet

Bank Anytime, Anywhere

With online and mobile banking, and Zelle®, a free, virtual way to send and receive cash

Find Fee-Free ATMs

With the MoneyPass Network, which helps you locate ATMs across the U.S.

Choose Your Statement Method

With options that include our eStatement Promise or paper statements


  • Deposit $500 or more and start earning interest immediately, or open your account with as little as $100.
  • Pay a $10 monthly service charge and gain the ability to make as many withdrawals as you need per month.
  • Get the $10 monthly service charge waived if you keep an average monthly balance of $10,000 in the account.
  • Attach one of three overdraft options to protect your account.

Opening an account is quick and easy and can be done in as little as 5 minutes.

Here's a short glimpse of the process:

  1. Provide your personal information; just a few basics – no documentation needed.
  2. Make your initial deposit into the account. Using a combination of either an account number and routing number OR username and password from another institution, transfer funds easily within the digital application.
  3. Read and agree to the disclosures associated with the account.
  4. Order any extras that may come with the account, such as a debit card, checks or overdraft protection.
  5. Check your email for confirmation or next steps.

Open an Account

Interested in a different type of savings or checking account?

See More Options