Client trust funds that do not meet the "nominal" or "short term" requirements of an IOLTA should be deposited in a separate client trust account to earn interest for the benefit of the individual client. The attorney must exercise her/his independent judgment in assessing whether opening a separate interest-bearing account on behalf of a particular client will provide income for the client after considering the amount of interest that will be earned versus the costs of maintaining the separate account including the fees and charges that might be associated with it and the administrative cost to the lawyer or law firm The attorney can contact their applicable start bar association to get further clarity on the rules to determine if they should deposit client funds into an IOLTA or trust account.