Open an Account

Visit a nearby banking center to open a new account.

Get safe and affordable access to your money

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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.

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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.

Convenient eStatements

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.

INTRUST Mobile Banking Dashboard
Skip a trip to the bank

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®

Learn more

Articles and Insights

Helpful resources for managing your money

Alerts Deliver Important Account Information To You

08/27/2021
Set up balance, transaction, debit card, and bill pay alerts to stay up-to-date on activity occurring on your accounts.

Card Management: Control Your Debit Card

06/30/2020
With Card Management, there’s no need to worry about losing your debit card. You can use your mobile phone as your debit card on/off switch – and more.

Eliminate Your Debt

06/24/2020
If you have received a tax refund or an Economic Impact Payment stimulus check, and you have not used those funds, consider developing a plan to pay down debt.
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 Safeguard Spending account and available in exclusive Shocker and Wildcat designs.

  • Add to your mobile wallet and 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

Fees and Terms

$3

Monthly1 service charge

$0

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 AccountsPersonal Accounts Fee Schedule, 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.