Premier Checking

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The higher your balance, the more you earn with Premier Checking

Earn interest on your money in three tiered rates, so as your balance increases, so does the amount you earn. You receive full online and mobile banking, free debit card, free safe deposit box and checks, and other conveniences.

You’ll appreciate these extra services:

  • Tiered interest paid on balances of $1000-$2,499, $2,500-$9,999, and $10,000+
  • Unlimited free supply of basic checks
  • 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.
  • 10 free non-HomeTrust Bank ATM transactions per month, then $1 each
  • Five non-HomeTrust Bank ATM transaction surcharge refunds per month

You also receive these convenient free services:

  • 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.

Additional free services include:

Important details

To open this account:

  • Deposit at least $50
  • $15 monthly fee is waived with average combined deposit balance of $10,000 or average combined deposit and loan balance of $25,000

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.