Customer Service
> Frequently Asked Questions
Online Banking Questions
Q: What kind of software do I need to access Online Banking?A: To access online banking you need only a browser which will give you access to the internet such as Internet Explorer or Netscape, version 4.0 or higher.
Q: How do I access Online Banking?
A: You must have an active account with Home State Bank & Trust Co. to use Online Banking. You must then click on the link that says first time user's click here and fill out the online application. Once the application is submitted a contract will be sent out for you to sign and return.
Q: How frequently is my Home State Bank information updated?
A: Home State Bank & Trust Co. updates all customer information nightly. Whether you access our Online Banking or contact us directly, your account information is updated daily to reflect all account activity.
Q: Can I look at all of my transactions at any time?
A: Yes, with our Online Banking section, you have access to your account information 24 hours a day, 7 days a week!
Q: How long does it take to set up a new payee in the bill payment system?
A: Once you have entered a new payee into the bill payment system, it takes two business days to set up the payee to receive payments.
Q: After I make a bill payment, how long does it take for the money to be debited from my account?
A: The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Tuesday of the same week.
Q: How long does it take for a payment to reach the payee?
A: A payment that generates an ACH payment will credit the payee's account within 2-3 business days; whereas, a paper check will take up to 5 business days.
Q: What kind of information can be obtained online?
A: In addition to obtaining balance information, you can also view transaction history, transfer funds between accounts and pay bills online.
Q: What is the cutoff time for online transactions and Bill Pay.
A: The cutoff time for any online transactions such as transfers is 3:00 PM CST. The cutoff time for Bill Pay transactions is 9:00 PM CST.