Reserve Deposit Account for Public Entities

The Reserve Deposit Account is designed to complement your PTIF and operating accounts—offering strong yield, immediate liquidity, and the benefit of keeping public dollars working in Utah.

Open Account

A deposit with us is an investment in Utah.

For over 30 years, Accordia Bank has supported Utah communities as a locally owned and operated financial partner. Our Reserve Deposit Account for Public Entities is designed to complement—not replace—the PTIF and your operating account, giving public entities a flexible, fully liquid, locally reinvested alternative.


Key Benefits



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    Same-day liquidity

    Fast money movement with wire transfers and sameday ACH.

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    No Minimum Balance Required

    Up to 15 free transactions per month.

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    A smart reserve strategy

    Many entities allocate ~5% of PTIF balances for instant-access needs while keeping core funds in the PTIF.

Talk to a local expert

Get support from Utah-based specialists with decades of combined experience helping small businesses move forward.

Leslie Bowler - Accordia Bank
Leslie Bowler
Retail Banking Manager
Leslie Bowler
Retail Banking Manager
With 20 years of experience in the banking industry in St. George, Utah, Leslie Bowler has built a career defined by strong community relationships. …
Jordan Mills
Jordan Mills
Retail Banking Manager
Jordan Mills
Retail Banking Manager
I am a Retail Banking Manager with seven years of experience in the banking industry. I hold a bachelor’s degree in business from Utah Valley Universi …
a man in a suit and tie
Dan Howell
Retail Banking Manager
Dan Howell
Retail Banking Manager
Daniel has 10 years of experience in banking. He specializes in deposit products and treasury services for both personal and business customers, inclu …
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Amy Jarrett
Retail Banking Manager
Amy Jarrett
Retail Banking Manager
For more than 25 years, I've built my career in banking around one simple belief: People come first. While financial products and services are importa …
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Lisa Anderson
Retail Banking Manager
Lisa Anderson
Retail Banking Manager
With more than 20 years of experience in the banking industry, I bring a deep understanding of financial services, relationship management, and strate …
a woman with short brown hair wearing a lace top
Lisa Sorrells
Retail Banking Manager
Lisa Sorrells
Retail Banking Manager
Throughout my 3+ decades in banking, a real highlight of my career has been getting to know so many different business owners in such diverse industri …