Essential checking for everyday living.

INTRUST Essential Checking for simple everyday living.

With an Essential Checking account, managing your money on a daily basis is simple and easy. Plus, with multiple ways to avoid the monthly1 fee and digital banking services included at no additional cost, you can do so without worrying about breaking the bank.

You can avoid the monthly1 fee if you meet any one of the following criteria:

You maintain a monthly1 average collected balance of at least $1,000.

You have monthly1 direct deposits totaling at least $250.

You are under the age of 26.

Not sure if Essential Checking is the right checking account for you?

Banking tools included with your account

  • Overdraft Protection

    Traditional Overdraft Protection Plan available by agreement. Account may be considered, at Bank’s discretion, for Bounce Blocker Service, for which there may be a fee.
    Learn more about overdraft protection.

FREE online services with every INTRUST checking account.

Enroll in free Personal Online Banking and Mobile Banking to easily manage your account from any computer, tablet, phone or other device. Use your money the way you want without ever worrying about fees.

Online and Mobile Banking Devices

Fees & Terms

  • The monthly1 account maintenance fee is $10.  You can avoid the fee if you meet any one of the following criteria:
    • You maintain a monthly1 average collected balance of at least $1,000
    • You have monthly1 direct deposits totaling at least $250
    • Any owner on the account is under the age of 26
  • The minimum opening deposit is $100.
  • No charge for the first 25 domestic deposited items each monthly1 cycle.  Additional items are $0.25 each, including on-us items.
  • Not an interest-bearing account

For additional details about INTRUST checking accounts, review our Truth in Savings Disclosure for Personal Accounts, Personal Accounts Fee Schedule, and our Deposit Agreement.

Get started.

Apply today for an INTRUST Essential Checking account.

Apply Now

You can also stop by one of our banking centers.


  1. Month or monthly is an approximate four (4) week period or cycle, not necessarily a calendar month.
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