Thank you for your interest in a checking account.
From our basic Free Checking and popular Express Checking accounts, to our interest-paying Premium Personal Plus (NOW) account, the account comparison table is an easy reference guide to help you find the best checking account to serve your unique needs.
Call a Personal Banking Counselor today for an appointment at (815) 459-2000.
Free Checking
Simple, straightforward banking with no monthly fees and all the essentials you need.
Free Checking Account Details
Express Checking
Everyday convenience with extra value - keep more of your money with ATM fee rebates each month.
Express Checking Details
Student Checking
Smart, simple banking for students managing money independently - full access with no monthly fees.
Student Checking Details
Senior Class Checking
Exclusive benefits for Senior Class Club members - plus the convenience and security of modern banking tools.
Senior Class Checking Details
PREMIUM PERSONAL PLUS
An interest‑bearing checking account for customers who maintain higher balances - earn interest with full‑service banking.
Premium Personal Plus Details
1Required to enroll in Home State Bank's Online Banking and register for at the time of enrollment. Certain restrictions and other limitations may apply.
2Home State Bank mobile app is available for select mobile devices. You can enroll in Online Banking and download our mobile app. Home State Bank does not charge for this convenient benefit, but please refer to your phone service provider for any fees that may apply.
3Limited to five non-Home State Bank ATM rebates per cycle. Applicable Non-Home State Bank ATM Fees will be automatically rebated by Home State Bank. No action required by Home State Bank Express Checking Account Holder. If five Non-Home State Bank ATM transactions are exceeded per calendar cycle, the Express Checking Account Holder will be charged applicable fees.
4Interest Compounded & Credited monthly.
5Senior Class Club members are entitled to receive a single free box of "Specialty Mint" checks per household per calendar year.
6Charged monthly after 1 year of no transactions. Electronic transactions and posting of interest are not considered transactions.
Occasional Overdraft Privilege Service (OOPS)
With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.
Home State Bank may have the solution you’re looking for with our Occasional Overdraft Privilege Service. Occasional Overdraft Privilege Service is not a line of credit and is not a right or obligation guaranteed to you. This is a discretionary program that can be changed or withdrawn at any time without notice. Our standard overdraft practice is to strive to pay your overdrafts when your account meets certain discretionary criteria. If you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to the Occasional Overdraft Privilege Service. View our Overdraft Coverage Disclosure.
Home State Bank will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Here's more information about opting in to extend your Occasional Overdraft Privilege Service coverage.
Senior Class Club