Home State Bank and Trust - Your Trusted Partner Since 1903
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  • Personal Banking
  • Lending Center
  • Benefit 50 Center
  • Investment Center
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Personal Banking
Personal Banking

Personal Banking Center

You can bank at HOME and be anywhere. We offer products and services that make your banking safe, fun and accessible. We can meet every need from your basic checking account to financial tools that allow you to track your spending and stay on budget. We offer a full range of loans to help you meet your goals.

Deposits

Ready Reserve Overdraft Protection

You may open a line of credit attached to your checking account. Simply write a check or use your debit card. If the amount is larger than the balance in your account, funds will be automatically deposited in $100 increments up to your agreed line of credit. Lines of credit can start at $100 up to $5,000. Line of credit amount is based on loan approval by an officer. Repayment happens automatically through monthly payments from your checking account. In addition, you can also choose to pay off the line of credit at any time.  A per advance fee applies.

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Personal Loans

We offer a full range of loans to meet all your needs.

Order a Debit Card

A convenient way to pay electronically from your checking or money market account. Click here to apply.

Change my ATM or Debit Card PIN Number

To change your PIN, you must have your card number and PIN number available and call 1-888-227-3096.  If you do not know your PIN, please call the bank at 620-241-3732 Monday through Friday, 8:00am to 5:00pm.

Order Checks

Call our East Bank at 620-241-4146 or order online.

Balance a Checkbook

Let us show you how to master this important facet of managing your finances.

Benefit 50 Accounts

For our customers who have reached the Fabulous Fifties, we have some special benefits just for you!

Credit Card

e-Statements

Go green with e-Statements. No more paper stacking up around the house. You can access your statement online 24/7 and archive to a CD at year end. Log on to Online Banking and select Online Statements to register.

FinanceWorks

You won't believe how easy this free product can make tracking expenses for you and your family. You can categorize your spending and create a budget. You can also incorporate spending from your credit cards as well as your other bank accounts to have one place to see your entire financial picture.

Find an ATM

You can bank with Home State Bank and Go Anywhere! Find an ATM.

Find a Notary

Notaries are available at all of our full service locations for your convenience. These services are free of charge for any HSBT customer. No appointment is necessary.

*Picture I.D. is required and the documents must be signed in the presence of the Notary.

Gift Cards

The perfect gift for any occasion. You may stop by one of our locations to pick one up today. Cards are available in amounts of $10 to $500.  A small fee does apply to each card.

Health Savings Accounts (HSA)

A Health Savings Account (HSA) is a tax-sheltered account into which you can put money to save for future medical expenses. There are certain advantages to putting money into these accounts, including tax-free contributions, earnings and qualified withdrawals.

Investments

Let our full service brokerage and investment center handle all your retirement planning needs.  Prefer FDIC insured investments?  Click here to see our insured IRA and CD Products.

Online Banking

The best way to track your accounts and keep an eye out for unauthorized use of your debit card, ATM card or account number. Click here to apply or login above.

Online Bill Pay

The free, easy and convenient way to pay all your bills. With postage rates increasing every year, this is a money and time saver you can't afford to pass by. Login to Online Banking and click on Bill Pay to get started.  Not on online banking?  Apply now.

Rates

Our rates compete with anyone in town.

Safe Deposit Boxes

We have secure boxes available in many sizes to safely store your important documents or items.

Savings Bonds

Want to know how much your savings bond is worth?
To redeem, bring your savings bond to any of our locations.

Set up Direct Deposit

Learn what you will need to give your employer to have your pay automatically deposited into your account.

Telephone Banking

A convenient way to track your account 24/7, even when you are on the road. Call 620-241-3733 anytime night or day.

Trust Services

We offer a full range of trust services.

Wire Transfer Services

Same day, domestic or international business-to-business transfers. Wires ordered before 1:30 will be processed on the same day. Please contact our wire transfer department at 620-241-3732 or toll free 877-241-3732 during business hours.

 

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