Checking Accounts

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Be Rewarded for Your Debit Card Purchases!

As a student or young adult, your checking account doesn't need to be complicated. You need easy access to your money, online and mobile tools to bank when it's convenient for you, and a little reward for your relationship wouldn't hurt either.

We offer the ideal checking account for students and young adults: $mart Rewards Checking!

What makes $mart Rewards Checking so great?

This may sound obvious, but the rewards! You receive a cash bonus for using your debit card for purchases. Plus, you get free access to our electronic banking tools to manage your money when and where you want:

$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!

See Full Details for $mart Rewards and our Other Checking Account Options.

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 ATMs.

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 SHAZAM BOLT$! You can set up account alerts to prevent fraud and monitor your debit card activity closely. Additionally, you can:

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

Download SHAZAM BOLT$ 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!