Personal Checking

Banking with one focus-you. Because financial needs aren't one-size-fits-all, we offer a variety of checking account options designed to fit your lifestyle.

Find the Checking Account That Fits You

Whether you're looking to earn interest, receive cash back, or prefer a simple everyday checking option, we offer checking account options designed to match your needs.

Compare Checking Accounts

Choose Your Checking Account

Free Kasasa Cash® Checking

Kasasa Cash® is a free checking account that earns interest every month! Plus, it's packed with great rewards like refunds on your ATM withdrawal fees, nationwide.

  • Earn high interest on your balance
  • No monthly service fees
  • ATM fee refunds nationwide
  • Free online and mobile banking
  • No minimum balance requirements
Learn More About Kasasa Cash

Free Kasasa Cash Back® Checking

Kasasa Cash Back® is a free checking account that pays you cashback on debit card purchases every month! Plus, other great rewards like refunds on your ATM withdrawal fees, nationwide.

  • Earn cash back on debit card purchases
  • No monthly service fees
  • ATM fee refunds nationwide
  • Free online and mobile banking
  • Automatic rewards every month
Learn More About Cash Back

Simplicity Checking

Simplicity Checking keeps it simple! With no minimum balance and no monthly service charge combined with complimentary add-ons, the Simplicity Checking is the ultimate checking account.

  • No minimum balance required
  • No monthly service charge
  • Free Online Banking
  • Free Mobile Banking
  • Free eStatements
  • Free HSB Debit Card
Learn More About Simplicity

Royal Advantage Checking

Royal Advantage Checking is a value-added account created exclusively for individuals age 65 and older. With convenient features, helpful digital tools, and meaningful benefits including complimentary checks, it’s everyday banking designed to fit your lifestyle.

  • No monthly service fee with a $50 average monthly balance*
  • One complimentary box of Home State Bank logo checks each rolling 12-month period
  • Free Online Banking
  • Free Mobile Banking
  • Free eStatements or paper statements
  • Free Mastercard® debit card with chip technology
  • Free CardHub® for added debit and credit card security
  • $100 minimum deposit to open

*If the average monthly balance falls below $50, a $5.00 service charge per four-week period applies. Additional terms and conditions may apply.

Learn More About Royal Advantage
Every Checking Account Includes
Learn More About Our Checking Accounts

What do you need to open a new account?

¿Qué se necesita para abrir una nueva cuenta?

Opening Your Account Is Easy

Get started with a Home State Bank checking account today. Here's what you'll need:

  • Valid government-issued photo ID (driver's license, passport, etc.)
  • Social Security Number or Tax ID
  • Minimum opening deposit (varies by account type)
  • Proof of address (utility bill, lease agreement, etc.)

Visit any branch location or contact us to get started!

Need to Reorder Checks?

Main Street Checks

Reorder Main Street Checks Online

If you need to reorder checks with no changes from your previous order, you can do so quickly and easily online.

Reorder Checks Online

*Only available for reorders requiring no changes from a previous order.

Important Information: Kasasa is a trademark of Kasasa, Ltd., registered in the U.S.A. All Kasasa accounts are subject to qualification requirements. See individual account pages for complete details, terms, and conditions.

Ready to Open Your Checking Account?

Contact us today for more information, or visit your local Home State Bank branch to get started.

Find a Branch