We're here to make banking simple. Below are answers to some of the most common questions we receive. If you don't see what you're looking for, please Contact us- our team is happy to help.
General Banking
To open a personal account, you'll need a valid government-issued photo Id and your Social Security number. Additional documentation may be required in certain situations. You can visit any of our branch locations.
Yes. Deposits at Home State Bank are insured by the FDIC up to the maximum limits allowed by law.
Our routing number is 091915670.
If you have questions about setting up direct deposit or automatic payments, contact your local branch.
If you need to reorder checks with no changes from your previous order, you can do so quickly and easily online. Main Street Client Order Entry Login or by contacting your local branch for assistance.
If your debit card is lost or stolen, contact us immediately at (320) 231-1118 during business hours. For after-hours assistance, call (800) 472-3272 for 24/7 support.
Branch hours vary by location. Visit our Locations & Hours page for the most up-to-date information.
To set up direct deposit, provide your employer with your account number and our routing number. If you need assistance, our team can help ensure everything is completed correctly.
Online & Mobile Banking
Click "Here" and follow the instructions to set up your account. You'll need your account information and personal details to verify your identity.
If you've forgotten your password, click the "Forgot Password" link on the login page and follow the prompts. If you need additional assistance, please contact us.
Yes. We use industry-standard security measures to protect your information, including encryption and multi-factor authentication. We also recommend regularly monitoring your accounts and using strong passwords.
Yes. Mobile check deposit is available through our mobile banking app. Simply log in, select "Deposit," and follow the instructions to submit your check securely.
Yes. Online and mobile banking allow you to transfer funds between eligible accounts quickly and securely.
Our mobile banking app is available through the Apple App Store and Google Play Store. Search for "Home State Bank Mobile Secure" app to download.
Loans & Mortgages
You can apply online, visit a branch, or speak directly with one of our lenders. We'll guide you through the process and explain your options clearly.
Documentation varies depending on the loan type, but typically includes identification, proof of income, and financial information. A lender will provide a detailed checklist based on your specific situation.
Approval times vary depending on the type of loan and documentation provided. Our local decision-making helps ensure a timely and efficient process.
Yes. We offer home purchase, refinance, and construction loan options. Contact our mortgage team to discuss your goals and find the right solution.
In many cases, yes. Refinancing may help you secure a better rate or adjust your loan terms. Speak with a lender to review your options.
Business Banking
You'll need business formation documents, your EIN (Employer Identification Number), and personal identification. Our team will walk you through the process to ensure everything is completed properly.
Yes. We provide commercial, agricultural, and small business lending solutions tailored to local businesses and producers.
Please contact us to learn more about merchant service options and business payment solutions.
Security & Fraud Prevention
Contact us immediately at (320) 231-1118. The sooner you notify us, the faster we can take action to protect your account.
No. We will never ask for your password, PIN, or full debit card number. If you receive a suspicious request, do not respond and contact us right away.
Be cautious of emails, texts, or calls asking for personal information. Do not click suspicious links. When in doubt, contact us directly using the phone number listed on our website.
