Loyalty Checking

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Loyalty counts…and pays

If you have any HomeTrust Bank loan, take advantage of our Loyalty Checking account. You won’t pay any monthly service fee, and you’ll accrue tiered interest plus these extra and standard services.

You’ll appreciate these extra services:

  • Tiered interest paid on balances of $0-$999 and $1,000+
  • One free order of basic checks per year
  • Annual $25 discount on any size safe deposit box1
  • Free official checks
  • Preferred rates on selected CDs
  • Two free NSF reversal coupons at account opening with $500 minimum recurring Direct Deposit. See Fee Schedule for details.
  • Five free non-HomeTrust Bank ATM transactions per month, then $1 each
  • Three free non-HomeTrust Bank ATM transaction surcharge refunds per month

Loyalty Checking comes with free:

  • Visa® Debit Card2 with UChoose Rewards 
  • Instant Debit Card. No more waiting for your card to arrive in the mail. Enjoy the convenience of ATM banking in thousands of places around the world. Replace a lost, stolen or damaged card quickly.

Other free services include:

Important details

To open this account:

  • Deposit at least $50
  • No monthly service charge with any HomeTrust Bank loan and one recurring Direct Deposit. Normally $12 per month.

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 Banking Agreement.

  1. Annual $25 discount on any size safe deposit box, subject to box availability. Box rent must be paid by automatic draft from HomeTrust Bank account. Safe deposit boxes are not a bank deposit, not bank guaranteed, not FDIC insured, and are not insured by any federal government agency.
  2. Fees may be incurred when using the card at non-HomeTrust Bank ATMs and when transactions result in overdraft activity.
  3. Internet service provider fees may apply.
  4. Third party standard messaging and data rates may apply. Deposits may not be immediately available for withdrawal. 
  5. Advances are subject to the charges specified in the terms and conditions governing your HELOC.
  6. Discount applies to HomeTrust Bank personal mortgage closed within 24 months of account opening and excludes home equity line of credit. One coupon per household.