We are here to help your business succeed!

Our Client Trust Savings Account is the primary account required for some of our business members, such as real estate brokers. Brokers must establish and maintain at least one real estate trust account that is separate from any operating account(s). Client trust account members will receive all our benefits and retain their membership with us for life as long as they keep an active savings account. Click on each type of business below to see what the eligibility requirements are.

  • Sole Proprietors

    They follow the same eligibility guidelines of any individual / natural person.  The owner and individual are one-in-the-same legally and qualifying for credit union membership. The owner must live, work, worship, go to school or volunteer in Box Elder, Davis, Morgan or Weber County.

  • Organizations

    Includes Limited Liability Company’s (LLCs), S-Corporations, C-Corporations, Clubs, Associations, and other legal entities. These organizations need to qualify for membership under one of the two following eligibility methods:

    1. The organization is located in the Ogden Clearfield MSA (metropolitan statistical area) comprising of Weber, Davis, Morgan, and Box Elder Counties.  
      • Location to be defined as a physical location within the four county area.  The physical location should be used in operations of the company.
      • This eligibility method should be the default method used for eligibility.  If the organization is not eligible for membership under this method proceed to the 2nd
      • Please note that eligibility of organizations under this method does not include “Live, Work, Attend School, or Worship”.  Organizations are eligible based upon location under this method.
      • The shareholders, partners, members, or owners do not need to be actual members of the credit union nor qualify for membership individually.
    2. An organization may become a member of the credit union if a majority of the shareholders, partners, members or owners thereof are eligible for membership in the credit union.
      • A majority means 50.1%.
      • The shareholders, partners, members, or owners do not need to be actual members of the credit union, but must be eligible for membership.
      • The shareholders, partners, members, or owners must qualify for membership under the member eligibility requirements for individuals / natural persons.


How It Helps You

How It Works

Save Money  Saves Money

No fees, unless account is closed within the first six months

Save Time  Saves Time

Access to account in person, at ATMS nationwide, at Shared Branches nationwide, and on the go using online/mobile banking e-Branch

Convenience  Convenient

All your clients’ non-interest-bearing deposits are located in the same place

Peace of Mind  Peace of Mind

Your savings are insured federally by the NCUA for balances up to $250,000

Additional Features


Minimum opening balance $25


Unlimited in-branch withdrawals/transfers


6 electronic withdrawals/transfers per month


Free e-Statements


Domestic and International Wiring capabilities

Even More To Love

Check out these other great products and services from ACU!


Choose from two types of Debit/Checking accounts to fit your business!


Clover offers various point of sale options to help you serve your customers better.

Ready To Open Your Client Trust Savings Account?

Visit us at any branch to start your application today!

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