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INTRUST Online Account Opening

New accounts begin right here. Open a new account in just a few simple steps.

Looking to change the account type for your existing INTRUST Bank account? Use our easy form to change your account online.

How do I know if I am eligible to open an account online?
Review these requirements before you begin:
  • You must be 18 years of age and a US Citizen
  • You must reside in Kansas, Oklahoma or Arkansas
  • A valid driver's license is required
  • We'll need your Social Security number
  • You must not be subject to backup withholding from the IRS
  • Only individuals may open an account online for a sole owner or joint ownership account. If you are interested in opening a fiduciary account (Trust or Estate) or business account, please visit any INTRUST Bank location.
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What happens after I apply for my new account?
Depending on the type of account you apply for and the method you choose for funding that account, your new account may be ready to use immediately, or will require additional steps to completely finish the opening process. You will receive very specific instructions during the application.

If you are applying for a checking account, you will automatically receive a debit card for the account within 7 to 10 business days of the account opening.

You will also receive additional communication from INTRUST in the mail and through e-mail to confirm your account opening and funding, and to provide information on other services you can establish for your account.TOP

What are the standard system requirements?
INTRUST's online account opening process has been optimized to run on a fairly standard platform. View our standard system requirements for additional details. TOP

What is a joint account?
Joint account ownership means you will share ownership on this account with one or more individuals. All joint accounts are owned as joint tenants with rights of survivorship and not as tenants in common. Upon the death of one owner, ownership passes to the surviving owners. We may follow the direction of any one owner on the account. Any person named as an owner on the account is liable for all transactions on the account, regardless of whether he or she participated in the transaction.

During the account opening process, each applicant must accept all disclosures and provide all information verifying identification including, Social Security number, driver's license number, state of issuance and issuance date, and employment status. The primary applicant is responsible for any tax ramifications related to the joint account. TOP

Why is my e-mail address needed?
We use your e-mail address to communicate with you during the application process. If you are opening a joint account, each owner must have a unique e-mail address. Please note that we will never ask for personal information such as Social Security number, account numbers or personal identification numbers via e-mail. By providing your email address, you agree that we may use it to deliver information about your account and special offers. TOP

How do I fund my new online account?
Depending upon the type of account you open online, you can fund with a check, electronic transfer or a transfer from an existing INTRUST account. The available funding options displayed during the account opening process are explained in more detail below. TOP

What is an electronic transfer?
An electronic transfer allows you to transfer funds from your account at another financial institution to fund your new INTRUST Bank account. If you are opening a joint account, your funding account must have identical ownership. To set up the electronic transfer, you will need the Institution Name, Routing Number and your Account Number. You will also be prompted to complete an Account Validation as part of the online account opening process. We reserve the right to check with the other bank to ensure that you are a rightful owner of your external account. TOP

How do I fund by check?
If you choose to fund by check, send a check payable to yourself to:

INTRUST Bank
ATTN: OAC Processing 3.1
PO Box 1
Wichita, KS 67201

Don't forget to write your new INTRUST Bank account number in the memo line of the check.

Or, visit any INTRUST Bank location to deposit funds into your account.

If you fund your new account by check, we will likely hold the funds until we are able to verify their availability, which could take a maximum of seven business days from the day we receive your check. TOP

What is my note number?
You can find your note number on loan documentation you have received from INTRUST such as a loan closing document, coupon book or statement. The note number is the five (5) digit number following your eleven (11) digit account number. TOP

What is backup withholding?
Funds from interest payments are withheld by the bank and paid directly to the IRS on behalf of the individual taxpayer in payment of a portion of their income tax. Backup withholding is required when the IRS has notified an individual that they are subject to it. TOP

How do I locate the verification code?
You should have received a verification code in an e-mail from INTRUST Bank intrust@intrustbank.com with the subject of "Your New INTRUST Bank Account." If you are unable to locate the e-mail and verification code, please contact us. TOP

Where do I find my security panel code?
Your security panel code is the three-digit number at the top-right corner of the signature strip on the back of the card. By asking for your security panel code, we are taking an extra precaution to protect you against fraud. Card companies incorporate these numbers for situations where merchants cannot visually verify that you have the card in your possession, such as in online account opening. TOP

Where do I find my last statement balance?
Your last statement balance can be found as the ending balance on your last statement. If you are enrolled in OnLine Banking, you can access your balance there. If it is a new account, and you have not yet received a statement, please contact us. TOP



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