Payment Options


There are a number of options for you to make your payment:

  1. Automatic Payment (ACH) Authorization: Auto Draft payment can be set up by completing the Authorization Agreement For ACH Debits form.
  2. Click on Make a Payment and choose "Quick Pay" for a one-time payment. 
  3. Mailing your payment: Payments for mortgages (including Home Equity Lines) should be mailed to: Home State Bank, P.O. Box 1738, Crystal Lake, IL 60039-1738. Please reference your loan number on your check. Be sure to allow adequate mailing time.
  4. Bill Pay: If you are set up at your bank for Bill Pay, payment can be made through Bill Pay. Be sure to allow adequate mailing time.
  5. Pay by Phone: We offer Pay by Phone (Monday thru Friday only, between hours of 9:00 am - 5:00 pm). This can be done by calling (815) 459-2000. There is a $5.00 charge for all telephone payments.

Questions can be directed to our Customer Service Department by calling: (815) 459-2000 or (888) 610-2265. We are available to assist you Monday through Friday from 9:00 am - 5:00 pm and Saturday from 9:00 am - 12:00 pm.


Accessing Your Loan Information 


If you are not yet enrolled in Online Banking, click here and follow the prompts to create a User ID.

To access Online Banking User Guide:

  • Click on the Personal Tab
  • Click on Online Banking
  • Click on User Guide to Online Banking

For instructions to set up Online Bill Pay from your Home State Bank checking account:

  • Click on Personal tab
  • Click on Online Banking
  • Click on User Guide Online Bill Pay

If you have questions regarding online banking please contact our Customer Service Department at (815) 459-2000.

Online Banking

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