INTRUST Bank Review: Variety of Checking Account Options For Everyone
Written by
Sarah Sharkey
Edited by
Joe Evans
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Savers under 18 can open a Youth Savings account with just $10 to access solid APY across all balances
Savers in Kansas, Oklahoma, or Arkansas seeking access to a network of physical branches and relatively attractive CD rates might find Intrust Bank attractive. Additionally, families with young savers might appreciate the Youth Savings Account option.
Intrust Bank offers a suite of interest-bearing deposit products, some of which have reasonably attractive rates. It’s possible to find higher APYs elsewhere, especially if you are willing to consider an online banking experience. But for residents of Kansas, Oklahoma, and Arkansas, the network of physical branches in those states could make Intrust Bank the right fit.
GOBankingRates has ranked it among the Best Banks of 2025 for Kansas customers.
INTRUST Bank Checking Account
Intrust Bank offers four different checking account options: Free Checking, Safeguard Checking, Advantage Checking, and Elite Checking.
Here are some key details about these checking accounts:
- Neither the Free Checking nor the Safeguard Checking accounts come with a monthly fee. You don’t need a minimum opening balance for either account.
- The Advantage Checking and Elite Checking accounts come with waiveable monthly fees of $15 and $30, respectively. You’ll need a minimum opening balance of $100 for either account.
- The Advantage Checking and Elite Checking each come with ATM fee reimbursement.
- The Safeguard Checking account doesn’t include an overdraft fee. But the other accounts do.
- The Advantage Checking and Elite Checking accounts are both interest-bearing, with a APY.
Best For
Banking in Kansas
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposit
Multiple Checking Options Sporting Decent APYs
With a variety of checking options and interest-bearing opportunities through the Advantage Checking and Elite Checking accounts, INTRUST Bank has solid checking options for customers.
Fees
No monthly service fees for free checking, Safeguard spending accounts, a $15 monthly waivable service fee with a $10,000 combined deposit balance, a $30 monthly service charge waived with a $100,000 combined deposit account balance or a qualifying INTRUST Wealth account
APY
to
Min Opening
$0 minimum opening deposit for free checking and Safeguard Spending accounts, $100 minimum opening deposit for Advantage and Elite Checking accounts
Pros
- Interest-bearing account options
- Some accounts don’t include a monthly maintenance fee
- No minimum balance requirements for Free or Safeguard Checking
Cons
- The minimum opening deposit requirement of $100 for Advantage and Elite Checking
- Physical locations limited to Kansas, Arkansas, and Oklahoma
Quick Take
The interest-bearing opportunities through the Advantage Checking and Elite Checking accounts are appealing. However, the minimum requirements to waive the monthly fee for either of these accounts is relatively steep. The Free and Safeguard Checking comes with fewer costs and fewer perks.
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Intrust Bank Savings Accounts
Intrust Bank offers a Regular Savings and Youth Savings account.
Here’s what to know about these options:
- The Regular Savings account requires a minimum deposit of $100. But you’ll need to maintain a balance of $300 to avoid the $5 monthly fee.
- The Youth Savings account is designed for savers under 18, which offers a way to teach kids the habit of saving.
- The Youth Savings account only requires a $10 minimum opening deposit and doesn’t come with a monthly fee.
- You’ll only earn APY through either savings account.
Best For
Banking in Kansas
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposit
Great Youth Savings Options for Young Customers
If you’re looking for a high-yield savings account, look elsewhere. For youth savings accounts, however, INTRUST is a good option.
Fees
No fees for youth savings accounts, $5 waivable monthly fee for regular savings accounts
APY
to
Min Opening
$10 for youth savings accounts, $100 for regular savings accounts
Pros
- Youth Savings accounts can help minors build savings habits
- Interest-bearing accounts can help grow your funds
Cons
- Relatively low APYs
- Must visit a branch to open a Youth Savings account
Quick Take
Saving money is always a good idea. Although both savings accounts are interest-bearing, you won’t earn much in the way of interest. If you’re looking to make the most of your savings, you’ll get more value out of a high-yield savings account.
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Intrust Bank CD Accounts
Intrust Bank offers CDs ranging from 90 days to 60 months.
Here’s what to keep in mind:
- Most CD terms require a minimum deposit of $500. But for terms ranging from 90 to 364 days, you’ll need to make a minimum deposit of $2,500.
- As of writing, CDs ranging from 90 days to 12 months offer a APY.
- The lowest APY offered for CDs of 36 to 60 months.
- Early withdrawal penalties range from 30 days’ worth of interest to 6 months’ worth of interest.
Best For
Banking in Kansas
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposit
Decent APYs On a Solid Range of CD Options
While INTRUST Bank offers a solid range of CD options, you’ll need to look elsewhere for industry-best offerings.
Fees
N
APY
to
Min Opening
$500
Pros
- Attractive APYs on some terms
- No monthly fees
Cons
- Higher APYs available elsewhere
- Limited physical branches
Quick Take
Intrust Bank offers a range of CDs with worthwhile rates. But for savers looking to get the most out of your interest-earning opportunities, you’ll need to work with another financial institution to open one of the best CDs on the market.
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Intrust Bank Money Market Accounts
Intrust Bank’s money market account option offers a mix of features to help you grow your savings without giving up easy access.
Here’s what to know:
- You’ll need to maintain a minimum balance of $5,000 to avoid the $5 monthly fee.
- The APY offered is tiered based on your balance. As of writing, balances of up to $99,999.99 earn APY and balances between $100,000 and $999,999.99 earn slightly more.
- You can write checks out of this account.
Best For
Banking in Kansas
Mobile App
Low Monthly Fees
Loan Options
Low Minimum Deposit
High Minimum Opening Accounts for Building Wealth
The high minimum opening amount may put some investors off, especially paired with the relatively low APYs offered.
Fees
$10 monthly service fee if below $5,000 average collected balance
APY
to
Min Opening
$5,000
Pros
- Interest compounds daily
- Check-writing privileges
Cons
- A $5,000 balance is required to avoid the monthly fee
- Minimum opening deposit of $5,000
Quick Take
Many savers must skip this account due to the high minimum deposit requirement of $5,000. But even if you can swing the minimum deposit requirement, the relatively low APY might not be too enticing.
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Banking Experience
Intrust Bank offers several physical branches throughout Kansas, Oklahoma, and Arkansas. For those who prefer to skip a trip to the bank, the financial institution’s suite of online tools allows you to manage your funds online.
The bank’s highly-rated mobile app earned 4.6 out of 5 stars in the Google Play Store and 4.7 out of 5 stars in the Apple App Store. Generally, customers appreciate the app’s easy-to-use features.
For example, one user said, “Easy to use, fast, supports many banking functions. The app is updated often to maintain security.”
Another customer said, “I love having my money information right on hand. Easy to use and navigate. The customization on the dashboard is a great feature too. I don’t have to search through the things that do not pertain to get to those that do!”
But, of course, there are some complaints about the app, mostly about bugs after an update.
For example, one user said, “The new design is really nice, but I have trouble getting accurate account balances and refreshing the app because of an error on the server. I tried signing out on the app and was unable to sign back in (login info is correct). And I was still unable to sign back in after uninstalling and reinstalling the app. I’m unable to sign in online either, so I’m not sure if this is just an issue with the app or the whole platform, but it is frustrating from the customer standpoint.”
Comparable Bank Options
Intrust Bank isn’t the right fit for everyone. Here’s a look at some of your other options:
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fees for free checking, Safeguard spending accounts, a $15 monthly waivable service fee with a $10,000 combined deposit balance, a $30 monthly service charge waived with a $100,000 combined deposit account balance or a qualifying INTRUST Wealth account
No monthly service fees
$0 to $8 a month
APY
APY
APY
to
Up to
Min Opening
Min Opening
Min Opening
$0 minimum opening deposit for free checking and Safeguard Spending accounts, $100 minimum opening deposit for Advantage and Elite Checking accounts
$25 to $100
$0 to $25
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No fees for youth savings accounts, $5 waivable monthly fee for regular savings accounts
No monthly maintenance fees
No monthly service fee
APY
APY
APY
to
Min Opening
Min Opening
Min Opening
$10 for youth savings accounts, $100 for regular savings accounts
$0
$0
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
N
No monthly fee
Early withdrawal penalties may apply
APY
APY
APY
to
to
Up to
Min Opening
Min Opening
Min Opening
$500
$1,000 to $10,000
$1,000
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$10 monthly service fee if below $5,000 average collected balance
No monthly maintenance fees
No monthly service fee
APY
APY
APY
to
Up to
Min Opening
Min Opening
Min Opening
$5,000
$0
$25
Intrust Bank vs. Capital One
Capital One offers a high-quality online banking experience, complete with an interest-bearing checking account and high-yield savings accounts. Both the Capital One 360 Checking Account and Capital One 360 Performance Savings Account offer APYs that blow Intrust Bank’s interest-bearing possibilities out of the water.
For savers comfortable banking online who seek to maximize their interest-earning options, Capital One could be the right fit.
Intrust Bank vs. EverBank
EverBank offers a practically unbeatable high-yield savings account. With the ability to earn APY on all balances, your funds can grow with minimal effort on your part. The account doesn’t have any monthly maintenance fees or minimum balance requirements to keep up with.
Intrust Bank vs. Marcus by Goldman Sachs
Savers planning to open a CD or potentially set up a CD ladder should consider the offerings from Marcus by Goldman Sachs. The online financial institution offers top-end APYs to squeeze the most out of your savings. You’ll only need a deposit of $500 to tap into the interest-earning opportunities.
Final Take
Intrust Bank is best for residents of Kansas, Arkansas, or Oklahoma who live near a physical branch. If in-person banking access is important to you, Intrust Bank’s network delivers on your needs in that area. But if you don’t live near a branch, opting for a bank that offers higher APYs might be the right choice.
INTRUST Bank FAQ
INTRUST Bank is a regional bank with a focus on providing personalized financial solutions to individuals and businesses. This FAQ provides answers to frequently asked questions about INTRUST Bank's products and services, including checking and savings accounts, loans, and more.- What is the service charge for INTRUST Bank?
- The monthly service fee varies based on the Intrust Banking app you choose. For example, Elite Checking comes with a waiveable $30 monthly fee. But the Safeguard Checking doesn’t have a monthly service fee attached.
- What is the minimum balance for INTRUST Bank?
- The minimum balance required for an Intrust Bank account varies based on the account your choose. For example, the Free Checking account doesn’t require a minimum balance. However, the Elite Checking account requires a minimum $100 opening balance.
- Is INTRUST Bank FDIC insured?
- Yes, Intrust Bank is FDIC-insured. This means your funds are protected for up to $250,000 per person, per account type.
- What states is INTRUST Bank in?
- Intrust Bank offers physical locations in Kansas, Oklahoma, and Arkansas.
- What is the service charge for INTRUST Bank?
- Some Intrust Bank accounts include a service charge, which varies based on the account. For example, the Advantage Checking account comes with a waiveable $15 monthly fee. But the Free Checking account doesn’t have a service charge attached.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 18, 2024.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 18, 2024.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
