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Online Banking

Checking Accounts

Rewards for Using Your Checking Account!

Who doesn’t love being rewarded? At Home State Bank, we believe you should be rewarded for using our products and services. Our checking accounts do just that, offering premium interest or cash bonuses simply for using the financial tools we offer.


eVantage Checking

Checking just got interest-ing! With eVantage Checking, you receive the benefit of a premium interest rate by using direct deposit, two Online Bill Pay transactions, ACH debits and debit card purchases. You also receive identity theft protection that includes credit restoration and access to credit monitoring. 

Additionally, eVantage Checking provides FREE access to our suite of financial tools including Online Banking, Mobile Banking, Online Bill Pay and eStatements.

Contact Us for Your eVantage Checking Account Today!

$mart Rewards Checking

With $mart Rewards, you receive a cash bonus for using your free debit card for purchases. Plus, you get free access to our electronic banking tools to manage your money when and where you want:

  • Mobile Banking 
  • Online Banking
  • Online Bill Pay
  • eStatements

$mart Rewards Checking also helps you keep an eye on your credit. Credit monitoring is only $3 per account holder (using their Social Security number) and the account comes with free credit restoration.

Contact Us for Your $mart Rewards Checking Account Today!

VIP Checking

Can a checking account have a red carpet? If it could, VIP Checking would have one. We’ve built this account to pay you back for your relationship with us! Not only do you get a great interest rate to grow your deposits, but you receive free or discounted bank services:

  • 1 Free box of checks per year
  • Safe deposit box discount of $5 per year
  • Imaged bank statements
  • Money orders and cashiers checks

This is in addition to having free access to Online Banking and Mobile Banking to help you manage your money when it’s right for you. This account really is the best that it gets!

Contact Us for Your VIP Checking Account Today!

Take advantage of our instant issue debit cards, too!

All of our checking accounts come with instant-issue ShazamChek debit cards. No more waiting for your permanent debit card!

Your debit card can be used to make in-person and online purchases, as well as at ATMs to get cash or conduct other banking tasks. Your transactions are free when you use your debit card at a Home State Bank or Cirrus Privileged Status ATM.

Additionally, your debit card includes the Shazam Monitoring system to protect your card and checking account from fraud.


Protect your money and enjoy enhanced account management capabilities with Brella! You can set up account alerts to prevent fraud and monitor your debit card activity closely. Additionally, you can:

  • Send money to other Brella users
  • Block and unblock your debit card
  • Locate SHAZAM ATMs nationwide
  • And more!

Download Brella from iTunes © or Google Play™ today for greater security and flexibility with your debit card!

No More Overdrafts! Ask your Personal Banker about Cash Reserve today!