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 from day one (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


  • Open your account with as little as $100.
  • Earn interest, just like you would with a savings account, but 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.

Become a Bank of Utah customer in less than 5 minutes, and get our unique combination of technology and people, so you can start banking your way.

Open an Account

Interested in a different type of savings or checking account?

See More Options