INTRUST Safeguard Spending®
A convenient, low-cost account
Your INTRUST Safeguard Spending account provides you an affordable place to keep your money and access it whenever you want with a Visa® debit card. You can make purchases wherever Visa cards are accepted, including grocery stores, restaurants, and online shopping. You can also take out cash directly from your bank account (without an ATM fee) using an INTRUST Bank ATM or the more than 55,000 ATMs that are part of the Allpoint® network.
Is Safeguard Spending right for you? Compare checking accounts to learn more about our options.
Get safe and affordable access to your money
With Safeguard Spending, you get quick access to the money from your paycheck. Deposit your paycheck directly into your account, and use your Visa debit card to access that money immediately.
This account is Bank On certified as affordable and safe.
How is this account different from other INTRUST checking accounts?
No overdraft fees
You won't be charged overdraft fees, which is the cost typically charged if you accidentally spend more money than you have in your account. In most cases, your card won’t work if you don’t have enough cash in your account.
Instead of coming in the mail, your monthly1 account statements are available for free through online and mobile banking. You can access them at any time to view, download, or print.
Pay without checks
Rely on your debit card, online bill pay, and Zelle®, included with your account, to make purchases, pay your bills, and pay friends and family. You will not be able to write checks on this account.
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®
Articles and Insights
Helpful resources for managing your money
Card Management: Control Your Debit Card
Eliminate Your Debt
Free INTRUST Visa® Debit Card
Get secure, convenient, 24/7 access to your cash with your contactless debit card, included with your INTRUST Safeguard Spending account. Available in exclusive Shocker and Wildcat designs.
- Tap to pay at the register with your debit card or through the mobile wallet on your smartphone or smartwatch
- Access 55,000+ surcharge-free ATMs worldwide
- Exclusive university designs
- Protection with Visa's Zero Liability Policy
Your money is safe and secure
Your deposits are insured up to the maximum allowable amount by the FDIC
You won't be held responsible for unauthorized charges on your account
Set up email and text alerts and control your debit card through our mobile app
Fees and Terms
Monthly1 service charge
Minimum opening deposit
This is not an interest-bearing account.
This account requires enrollment in eStatements.
For additional details about INTRUST checking and spending accounts, review our Truth in Savings Disclosure for Personal Accounts, Personal Accounts Fee Schedule, Your Ability to Withdraw Funds from Your Deposit Account, 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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.