Personal Accounts

Simple Checking

No hoops. No surprises. No monthly fees.

The name of this account says it all: simple! This checking account lets you stick with the basics. Of course full online and mobile banking are part of this account, and there’s no monthly service fee. Using our free debit card1 makes it even more convenient.

Simple Checking comes with free:

  • Online Banking2 with optional Bill Pay, including External Account Transfer, wire services and My Finances module to track your spending
  • Contactless Visa® Debit Card1 with EMV Chip Technology, which offers added security
  • Zelle® for sending money
  • Direct Deposit
  • Mobile Banking with Mobile Deposit3
  • eStatements
  • Overdraft transfer for accounts tied to Home Equity Lines of Credit (HELOC)4
  • 24-Hour Telephone Banking
  • Unlimited use of HomeTrust Bank ATMs

Important details

  • Deposit at least $50 to open
  • No monthly service charge, but there is a $2 fee for all non-HomeTrust Bank ATM transactions

Account openings are subject to bank approval. For other fees applicable to your account, please view our Fee Schedule. For additional terms and conditions, please view our Deposit Account Agreement and Online or Mobile terms and conditions.

  1. Fees may be incurred when using the card at non-HomeTrust Bank ATMs and when transactions result in overdraft activity.
  2. Internet service provider fees may apply.
  3. Third party standard messaging and data rates may apply. Deposits may not be immediately available for withdrawal. 
  4. Advances are subject to the charges specified in the terms  and conditions governing your HELOC.