HomeTrust Bank Personal Checking Account $400 Bonus

HomeTrust Bank : Personal Checking Account

Bonus Amount
up to $400
Account Type
Personal Checking
Available In Your Area?
No
Offer Expires In
Bonus Requirements
  1. Open a new personal checking account using the promo code UPTO400.
  2. Make an opening deposit of $10,000 and maintain that balance for 90 days to earn $150.
  3. Within that same 90 days, receive direct deposits totaling $2,500 to earn another $150.
  4. In 1 of the first 3 months, make 15 debit card purchases totaling $500 to earn the last $100.
  5. Each bonus will be credited to your account on the 15th of the month after that specific requirement has been met, and all no later than 120 days from account opening.
Other Details
Hard Credit Pull?
Monthly Fees?
Varies By Account
Open Online?
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HomeTrust Bank is offering up to $400 for opening a new Everywhere Connect, Premier Checking, or Simple Checking account. The $400 breaks down as 3 individual bonuses worth $150, $150, and $100, and you can choose to do 1 or all 3.

How To Earn The Bonus

The HomeTrust Bank Personal Checking Account promotion requires you to optionally, set up direct deposits, deposit and maintain a minimum balance and make purchases using the account's card in order to earn the $400 bonus. Full requirements to receive this bonus are:

  1. Open a new personal checking account using the promo code UPTO400.
  2. Make an opening deposit of $10,000 and maintain that balance for 90 days to earn $150.
  3. Within that same 90 days, receive direct deposits totaling $2,500 to earn another $150.
  4. In 1 of the first 3 months, make 15 debit card purchases totaling $500 to earn the last $100.
  5. Each bonus will be credited to your account on the 15th of the month after that specific requirement has been met, and all no later than 120 days from account opening.

The fine print

  • Direct deposit needs to be from regular monthly income such as your paycheck, pension or government benefits (such as social security), and must total $2,500 across two consecutive statement cycles.
  • All debit card activity must post and settle to qualify.
  • Bonus is limited to (2) incentives per household (so you and your spouse can each qualify, for a total of $800!).
  • Customer must have a physical address within the HomeTrust Bank market footprint.
  • Must be a new HomeTrust Bank personal checking customer, which means you cannot have or have had an account within the past 90 days.
  • Closing the account within 6 months will forfeit the bonus.

Why HomeTrust Bank?

Everywhere Connect

Everywhere Connect is HomeTrust Bank's most popular checking account, and is geared at customers who regularly use their debit card. For every month you make at least 10 signature debit card transactions, they will deposit a $5 cash reward.

Otherwise, the account covers all of the checking account features you'd expect, including online and mobile banking with Bill Pay and Mobile Deposit, eStatements, and unlimited use of HomeTrust Bank ATMs (out of network ATM transactions will cost you $2 each). You'll need $50 to open the account.

Fees

Everywhere Connect does charge a monthly fee of $10, but there are ways to get this waived:

  • Make 5 debit card transactions.
  • OR, receive at least 1 recurring direct deposit.

Premier Checking

Premier Checking is HomeTrust Bank's premium checking account, and offers tiered interest on your balance each month. They also throw in other premium goodies like a free safe deposit box and checks, preferred rates on CDs, two free NSF reversal "coupons", 10 free non-HomeTrust Bank ATM transactions (in-network is always free) and 5 ATM surcharge refunds (in other words, you won't pay HomeTrust Bank or the other bank).

The account requires a minimum opening deposit of $50.

Fees

Premier Checking does charge a monthly fee of $15, but there are ways to get this waived:

  • Maintain a combined balance of $10,000 in linked deposit accounts.
  • OR, maintain a combined balance of $25,000 in combined deposit and loan balances.

Simple Checking

Simple Checking is HomeTrust Bank's basic, free checking account aimed at those who want a straightforward checking account. You'll get all of the basic features you'd expect from a checking account, including a Visa and instant debit card (to use immediately, without waiting for the physical card to arrive), and online and mobile banking with Bill Pay and Mobile Deposit.

The account requires a $50 opening deposit, has no monthly service charge, and offers free access to HomeTrust Bank ATMs (but does charge $2 for every out of network ATM transaction).

Fees

Simple Checking does not charge a monthly fee.