Open an account today

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

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 on an iPhone
Free Mobile Access

Top-rated mobile banking app

Do all your banking on your time with our 4.8-star rated mobile banking app. It's packed with the convenient and easy-to-use features included with your INTRUST Elite Checking account.

  • Pay your friends
  • Pay your bills
  • Control your debit card
  • Deposit checks
  • Transfer funds

Learn more

Articles and Insights

Helpful resources for managing your money

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.

Deposit Checks On-the-Go

07/07/2020
With Mobile Check Deposit, depositing a check is as easy as taking a picture on your cell phone. If you’re out of town or leaving the office late in the day and unable to make it to one of our locations, you can still deposit a check without making a trip to the banking center and have money in your account, just like you would if you made a deposit in person.
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

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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 maintenance fee 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 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.