Personal Checking
Simple, convenient, secure

Explore our accounts

Most Popular


$0 /month1

Straightforward checking with no monthly1 service charge.

  • No monthly1 service charge
  • Checks available for purchase
  • Open with any amount

Safeguard Spending®

$0 /month1

A convenient account with no overdraft fees.

  • No monthly1 service charge
  • Free Visa® debit card
  • Open with any amount

Find a Location

Advantage Checking

$15 /month1

Charge can be waived. View details.

A convenient option for those who keep at least a $10,000 deposit account balance across their INTRUST accounts.2

  • Avoidable monthly1 service charge
  • Free INTRUST checks
  • Limited ATM fee reimbursements4


$30 /month1

Charge can be waived. View details.

Designed for individuals with a qualifying INTRUST Wealth account.3

  • Avoidable monthly1 service charge
  • Free checks in any design
  • Unlimited ATM fee reimbursements5

Open an account

Open an INTRUST checking account online in minutes or visit a banking center to open any checking or spending account.

Access your cash

Free INTRUST Visa Debit Card

Your INTRUST checking or spending account comes with a free Visa debit card that offers you a safe and simple way to make purchases in stores and online. If your debit card is lost or stolen, Visa protects you with its Zero Liability Policy, meaning you aren't responsible for any reported unauthorized charges.

  • Tap to pay at the register with your debit card or through your mobile wallet on your smartphone or smartwatch
  • Access 55,000+ surcharge-free ATMs worldwide
  • Exclusive university designs
  • Protection with Visa's Zero Liability Policy

Learn more

INTRUST Bank debit card designs

Skip a trip to the bank

Easy-to-Use Online and Mobile Banking

Manage your account with online banking or through the INTRUST Bank mobile app. They are packed with convenient and easy-to-use features.

  • View your balance
  • Track your spending
  • Pay all your bills
  • Set up debit card notifications
  • Turn your debit card off and on
  • Deposit checks
  • Move money between accounts
  • Send money with Zelle®

Learn more

Articles and Insights

Helpful resources for managing your money

How To Pay All Your Bills Efficiently

Use the bill payment feature of Personal Online and Mobile banking to make bill payments to any business in the U.S.

Alerts Deliver Important Account Information To You

Set up balance, transaction, debit card, and bill pay alerts to stay up-to-date on activity occurring on your accounts.

Card Management: Control Your Debit Card

With Card Management, there’s no need to worry about losing your debit card. You can use your mobile phone as your debit card on/off switch – and more.

For additional details about INTRUST checking and spending accounts, review our Truth in Savings Disclosure for Personal Accounts, Your Ability to Withdraw Funds from Your Deposit Accounts, and our Terms and Conditions for Your Deposit Accounts (Deposit Agreement).

  1. Month or monthly is an approximate four (4) week period or cycle, not necessarily a calendar month.
  2. The combined average collected balance of the INTRUST checking, savings, and money market accounts, and the principal balance of the INTRUST certificates of deposit and IRA accounts, on which you are an owner.
  3. The following are qualifying INTRUST Wealth accounts: Revocable Trust accounts with a living grantor; Individual Investment Management Agency (IMA) accounts with a living principal; IMA accounts with a revocable trust as principal; IRAs with a living owner or beneficiary; and ROTH IRAs with a living owner.
  4. Receive up to $6 in refunds on fees that INTRUST charges for your use of an ATM owned by another financial institution. Receive up to $6 in rebates on ATM fees assessed by other financial institutions only if the average collected account balance in your account is equal to or greater than zero ($0) at the time of qualification. All rebates credited to your account for these ATM fees will be reported to the IRS as interest earned. These fees will be credited to your account as a lump sum at the end of the statement period.
  5. Receive unlimited refunds on fees INTRUST charges for use of an ATM owned by another financial institution. These fees will be refunded at the time of the transaction. Receive unlimited ATM rebates of fees charged by other financial institutions if the average collected balance in your account is equal to or greater than zero ($0) at the time of the ATM transaction. All rebates credited to your account for these ATM fees will be reported to the IRS as interest earned.
  6. Subject to application and approval.
  7. Overdraft Protection Service available by agreement. Account may be considered, at Bank’s discretion, for Bounce Blocker service, for which there may be a fee.
  8. See Personal Accounts Fee Schedule for details.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.