Personal Accounts


We get it. One size doesn’t fit all in Personal Banking

At HomeTrust Bank, we’ve been helping people bank since 1926; we know each person and each community is different. We all have different needs and styles, which is why our personal bankers focus on listening, building relationships, and building community.

woman using mobile deposit feature to cash a check


Choose from checking options that match your stage of life, your need for quick access to money on the go, your desire to earn interest, and other needs. Each account comes with a free debit card1 that earns points for fun rewards, and of course Online Banking and Mobile Banking2.

man and woman hugging while looking at papers


There are so many important reasons to save—unexpected emergencies, education, buying a home or car, planning a dream vacation, managing healthcare needs. We provide a host of ways to build your nest egg, including statement, primetime and super savings, money market accounts, CDs and IRAs.

banker helping a new customer with paperwork

Making the Switch

We’d love to have you as a HomeTrust Bank customer, and are happy to help you make the switch. We’ll answer all your questions, fill out forms and help walk you through it. If you’re thinking about switching, check out our Transfer Kit Checklist on the Making the Switch page.

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Refer a Friend

We’re happy you’re a HomeTrust Bank customer. If you are pleased with our service please tell your friends. We’ll reward you—refer a friend and earn up to $5753!


man and woman using a tablet to access online banking

Online Banking

Most of us prefer banking on our own time, which is why HomeTrust Bank’s suite of Online Banking tools is so valuable. Take advantage of Online Banking and Bill Pay, Mobile Banking with Mobile Deposit, and eStatements2.

Account openings are subject to bank approval.

  1. Fees at may be incurred when using the card at non-HomeTrust Bank ATMs and when transactions result in overdraft activity.
  2. Third party data, messaging and internet service provider fees may apply. Deposits may not be available for immediate withdrawal.
  3. Program available to HomeTrust Bank consumer customers only. Referral must be a new personal checking customer to the bank and a referral coupon must be presented at account opening. A $25 deposit will be credited to referrer’s primary checking account within two weeks from qualified account opening. The fifth referral earns the referrer $100. Referring customer can receive up to $575 for up to 20 referrals per calendar year. Referred customer must open a new HomeTrust Bank personal checking account with money not currently deposited with HomeTrust Bank. Customer must order a debit card at the time of account opening. Referred customer will receive a $25 deposit within two weeks of account opening. All accounts are subject to normal approval process and opening balance requirements. Signers on HomeTrust Bank checking accounts closed within prior three months are ineligible. HomeTrust Bank employees are not eligible to participate as referrer or referee. Payments subject to IRS tax reporting requirements. Offer subject to change or termination at any time. Click here for current rates in your area.