Open an account

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

Access everything you need to manage your money

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Earn Interest

Passively grow your account balance by earning interest.

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Free Checks and Cashier's Checks

Unlimited personal checks in any design we offer and unlimited cashier's checks.

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ATM Fee Reimbursement

Receive unlimited ATM refunds on INTRUST fees. Receive unlimited ATM rebates of fees assessed by other banks.1

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Free Accessory Services

Including domestic and international wires, stop payments, etc.

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 Elite 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

Debit and Credit Cards: What to Know and When to Use Them

08/10/2022
Debit and credit cards offer you flexibility in how you pay for purchases. Learn about strategic ways to use each card.

The Benefits of Using a Bank

03/03/2022
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.
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 Elite Checking account and available in exclusive Shocker and Wildcat designs.

  • Add to your mobile wallet to pay with Apple Pay®, Google Pay and Samsung Pay
  • Access 55,000+ surcharge-free ATMs worldwide
  • Exclusive university designs
  • Protection with Visa's Zero Liability Policy

Learn more

INTRUST Bank debit card designs

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 0.20% 0.20%

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 monthly3 account service charge is $30. You can avoid the fee if you meet any one of the following criteria:

  • Maintain a combined deposit account balance4 of at least $100,000.
  • Have a qualifying INTRUST Wealth account.2

The minimum opening deposit is $100.

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


  1. 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.
  2. 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.
  3. Month or monthly is an approximate four (4) week period or cycle, not necessarily a calendar month.
  4. 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.