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Open a new personal checking account and get up to $4001

Enrollment in the promotion and minimum qualifications required. See below for additional terms and requirements.

Personalized Services - Powerful Support

Starting now, when you open a new personal checking account with HomeTrust Bank, you can receive bonuses up to $4001. It's just our way of saying 'thanks for trusting us to be your bank'. And we'll work hard every day to keep earning that trust over and over again.

Earn 1, 2, or all three of the bonuses below, for up to $4001! Stop by your local branch and present your "Up to $400 coupon" at account opening to enroll in the promotion.  

1. Get $150

for qualified direct deposits totaling $2,500 or more in the first 90 days.

2. Get $150

for an opening balance of $10,000 or greater and maintaining that balance for the first 90 days.

3. Get $100

when you make at least 15 debit card purchases totaling $500 or more in one statement cycle in the first 90 days.

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Simple Checking

With no monthly service fee—but all the ease and convenience that modern banking technology has to offer—Simple Checking delivers.

Perfect for Those Who:
prefer the basics

Minimum Opening Balance:
$50

Monthly Service Fee:
$0

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Everywhere Connect

Everywhere Connect has everything your on-the-go lifestyle demands in a checking account—100% online and mobile access2, along with anytime- anywhere convenience.

Perfect for Those Who:
Never want to feel out of touch

Minimum Opening Balance:
$50

Monthly Service Fee:
$103

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Premier Checking

If you want to earn interest on your higher balances, this account is for you. And with your combined deposit balances, you can avoid the monthly service fee.

Perfect for Those Who:
keep higher balances

Minimum Opening Balance:
$50

Monthly Service Fee:
$154

Small enough to know you, large enough to care for you.

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Personal Checking Accounts    Balance Tiers

Min. to Open

$ 0 - $999
(APY)

$1,000-$2,499
(APY)
$2,500-$9,999
(APY)
$10,000 or more
(APY)
Premier Checking $50.00 0.00% 0.02% 0.03% 0.05%
Everywhere Connect $50.00 N/A N/A N/A N/A
Simple Checking  $50.00 N/A N/A N/A N/A

Annual Percentage Yields (APY) are accurate as of April 1, 2024 and are subject to change after account opening. Fees may reduce earnings.

Account openings are subject to bank approval. For other fees applicable to your account, please view our Fee Schedule. For additional terms and conditions, please view our Deposit Account Agreement and Online or Mobile terms and conditions.

  1. Eligible accounts may participate in HomeTrust Bank’s 2024 “Up to $400” Bonus program. Offer applies to new HomeTrust Bank customers only and is limited to our Premier, Everywhere Connect, or Simple Checking account products. Account must be opened between April 1, 2024, and September 30, 2024, with the promotional code “UPTO400.” Account must be opened with funds not already on deposit with HomeTrust Bank.

    You can earn up to $400 when you meet the qualifications for each cash bonus reward. See requirements below.

    Direct Deposit bonus:
     Earn $150 for direct deposits totaling $2,500 or more across two consecutive statement cycles within the first three statement cycles from account opening. Your direct deposit needs to be regular monthly income, such as an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as Direct Deposit.


    $10K+ Account Balance bonus: Earn $150 when you deposit and maintain a $10,000 minimum daily balance in your new account for the first three statement cycles. Account must be opened with funds not already on deposit with HomeTrust Bank.

    Debit Card Activity bonus: Earn $100 when you make at least 15 debit card purchases equal to, or greater than, $500 in one statement cycle within the first three statement cycles. A statement cycle is approximately 30 days and ends on the 15th of each month. All transactions must post and settle to qualify.

    Bonuses may be credited at different times depending on account activity but will be credited no later than 120 days from account opening. Offer cannot be combined with other promotions, such as Refer A Friend, and is limited to two (2) incentives per household. Offer not available to households that have had a personal checking account at HomeTrust Bank within the last five years. Primary account holder must be 18 years or older and have a physical address within the HomeTrust Bank market footprint. If your account is closed within the first 180 days, an account closing fee equal to the bonus payment (between $100 and $400) you received will apply. HomeTrust Bank employees are not eligible to participate in promotion. Offer may be withdrawn at any time and is subject to change. Payments are subject to IRS tax reporting requirements.


  2. Third party data, messaging and internet service provider fees may apply.

  3. $10 monthly service charge is waived with 10 debit card transactions or 1 recurring direct deposit per monthly statement cycle, OR average monthly deposit balance of $1,000. Transactions must post and settle to qualify.

  4. $15 monthly fee is waived with an average daily balance of $10,000 in your Premier Checking account, or an average combined deposit balance of $25,000 in your HomeTrust Bank personal checking, savings, money market, certificate of deposit (CD) or individual retirement account (IRA). Investor accounts through Osaic Insitutions or HomeTrust Bank business accounts are not included.

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