Open an Account

Open an Advantage Checking account online in minutes, or visit a nearby banking center to open a new account.

You get more with Advantage Checking

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Earns Interest

Passively grow your account balance by earning interest

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Free Checks

Unlimited access and usage of paper checks in our INTRUST design

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ATM Fee Reimbursement

Receive up to $6 in refunds on INTRUST's fees and up to $6 in rebates on fees assessed by other banks in a statement cycle.1

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Free Cashier's Checks

No fees and no limits on the number of cashier's checks

INTRUST Mobile Banking App on iPhone
Free Mobile Access

Modern mobile banking app

Do all your banking on your time with our mobile banking app. It's packed with the convenient and easy-to-use features included with your INTRUST Advantage Checking account.

  • View and manage your accounts
  • Pay your bills
  • Manage your debit card
  • Deposit checks
  • Transfer funds

Learn more

Articles and Insights

Helpful resources for managing your money

The Benefits of Using a Bank

Banks are for everyone, no matter how much money you have. Learn why banks are a safer, less complicated, less expensive way to manage 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.
Access your cash

Free INTRUST Visa® Debit Card

Get secure, convenient, 24/7 access to your cash with your EMV chip debit card, included with your INTRUST Advantage Checking account and available in exclusive Shocker, Jayhawk and Wildcat designs.

  • Use with Apple Pay®, Google Pay and Samsung Pay
  • Access to Over 55,000 Surcharge-free ATMs
  • Exclusive University Designs
  • Protection with Visa's Zero Liability Policy

Learn more

INTRUST Debit Cards

Rest Easy

Your money is safe and secure

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Member FDIC

Your deposits are insured up to the maximum allowable amount by the FDIC

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Zero Liability

You won't be held responsible for unauthorized charges on your account

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Security tools

Set up email and text alerts and control your debit card through our mobile app

Rates, Fees, and Terms

Minimum Opening Deposit Interest Rate Annual Percentage Yield (APY)
$100 0.05% 0.05%

Variable interest; rate may change after account is opened. Rates may vary by bank location. Annual Percentage Yields (APYs) quoted are accurate as of DATE and are subject to change without notice. Fees may reduce earnings on the account.

The monthly2 account service charge is $15. You can avoid the fee if you maintain a combined deposit account balance3 of at least $10,000.

The minimum opening deposit is $100.

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


  1. 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.
  2. Month or monthly is an approximate four (4) week period or cycle, not necessarily a calendar month.
  3. The average collected balance of the INTRUST checking, savings and money market accounts and the principal balance of the INTRUST time deposit and IRA accounts on which you are an owner.