Open an account

Visit a nearby banking center to open an Elite Checking 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

How to stay organized with online and mobile banking

07/13/2021
Use these tips to efficiently organize and manage your finances using online and mobile banking.

Economic Impact Payment Round Two FAQ

12/30/2020
On December 21, 2020, Congress authorized a $900 billion coronavirus relief package to provide assistance to American consumers and businesses struggling as a result of the coronavirus pandemic. A provision of the law includes sending government payments to eligible Americans. Below you will find answers to common questions regarding the second round of economic impact payments.

Contactless Payment through Mobile Wallet

08/31/2020
Smartphones have changed the way we stay connected and allow us to quickly call, text, email, get social, and check our bank accounts. With secure technology, smartphones are also changing the way we spend money, including making convenient payments in just a tap with mobile wallet.
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, 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 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.


  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.