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FAQs

General FAQs

Routing Number: 071918765

SWIFT Code: HOTAUS44

Online Banking 
  • Update your phone number and email under the Profile tab
  • Update your address under the Messages tab
In Person 
  • Visit any Home State Bank branch, where a team member will be happy to assist you.
Home State Bank follows the Federal Reserve holiday schedule and is closed on the following holidays:
  • New Year’s Day
  • Martin Luther King Jr. Day
  • Washington’s Birthday (Presidents’ Day)
  • Memorial Day
  • Juneteenth National Independence Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day
Early Closures:
  • Christmas Eve: Closes at 12:00 PM
  • New Year’s Eve: Closes at 3:00 PM
Business days are Monday through Friday, excluding holidays. The business day ends at 5:00 PM. Deposits made after 5:00 PM on a Friday will be processed as Monday deposits, with funds available on Tuesday. Please note that holidays may affect processing times. Being aware of posting times and cutoff hours can help you manage your account and avoid fees.
Home State Bank does offer a convenient bank by phone option. The phone number to utilize this feature is: 815-261-9149.
All Home State Bank locations offer Notary services free of charge to our customers. A fee may apply for non-customers.
All Home State Bank locations operate coin machines for use by our customers free of charge. A fee may apply for non-customers.
To set up direct deposit, provide the following information to your employer or payer:
  • Your account number
  • Home State Bank's Routing number
  • Account type (Checking, Savings, etc.).
Direct deposit forms are available upon request.
Wire transfers are best completed in person at a branch. If you are unable to visit a branch, please call 815-459-2000, and we will connect you with our wire department to discuss your options.
You may order checks:
  • Online 
  • Over the phone: 815-459-2000.
  • In person at your local branch.
If you believe you have been the victim of fraud, call Customer Service at 815-788-2951. If you have a concern outside of business hours, leave us a voicemail and somebody will reach out to you shortly after opening. You can lock/unlock your debit card at all hours or set specific limits in Online Banking (Browser and App).
Home State Bank offers a wide variety of accounts to meet your financial needs. To learn more: Call 815-459-2000 to speak with a Banker or Commercial Services representative. You may also visit your local branch for a personalized consultation.
To open an account, the following are required:
  • A valid, government-issued photo ID
  • Proof of address (utility bill, insurance bill, etc.).
Please call 815-459-2000 or visit your local branch to speak with a banker regarding any additional information that may be required for account opening.
To inquire about current CD or savings account rates: You can call 815-459-2000, visit your local branch to receive a rate sheet or speak with a banker. Online banking users can also access rates online upon logging in. 

Rates are updated every Tuesday.
Home State Bank has proudly served McHenry County since 1915. Our mission has always been to enhance the quality of life in our community by building meaningful, long-term relationships with our customers.
We are committed to supporting our local community. Please visit our Giving Mission page to complete the request form, and our team will review your submission.
Our Senior Class Club offers:
  • Memorable travel experiences
  • Educational seminars
  • Social events and personalized programming
  • Discounts on cashier’s checks and money orders
If you qualify, please contact Rachel Jesky, Senior Class Club Director at 815-459-2002.
Home State Bank is proud to offer safety deposit boxes for our customers at 40 Grant Street, Crystal Lake (downtown Crystal Lake).
 
For pricing and availability, give us a call at 815-459-2000 to speak with a personal banker.
Loan payments may be made by:
  • Using our online loan payment portal
  • Mailing a check to 40 Grant St., Crystal Lake, IL 60014
  • Calling 815-459-2000 to make a payment by phone (fees may apply)
We do not refund service charges or overdraft (NSF) fees unless there was a bank error. If you believe an error occurred, please call Customer Service at 815-788-2951. 
 
  • To help avoid future fees, we recommend setting up Alerts through Online Banking. Alerts can notify you about low balances, deposits, withdrawals, and more—so you can stay on top of your account activity in real time.
  • For more details, please refer to our Fee Schedule.

Online Banking FAQs

Once your account is opened, you can register for Online Banking through our website or the HSB App. You must complete all the required fields and one optional field:
  • Social Security Number
  • Account type/Number
  • First Name (optional)
  • Last Name
  • Email Address (optional)
  • Mobile Phone (optional)
  • Date of Birth
You will be prompted to select a delivery method to receive a One Time Passcode (OTP) by voice call or text. After entering the code, you may complete the registration process.
If you are not receiving the one-time passcode (OTP), it's likely that we don't have your current phone number on file. For security reasons, online banking enrollment requires a verified phone number. To update your contact information, you can visit any of our branch locations and complete a Change of Address form. Alternatively, you may request the form by mail, complete it, have it notarized, and return it to us. 

If your account has multiple phone numbers associated with it, you may be able to select your preferred number from a drop-down menu during the enrollment process. 

If you're still having trouble, please contact Customer Service at 815-788-2951 for assistance. 

To retrieve your username, please call Customer Service at 815-788-2951. 


If you’ve forgotten your password, you can reset it easily through our mobile app or website. Select “Forgot Password” on the login screen and follow the prompts to verify your identity. 


You’ll be asked to enter your User ID and email address, along with either your last name or phone number. A One-Time Passcode (OTP) will be sent to the phone number we have on file, either by text or phone call. Once you verify the code, you’ll be able to create a new password and regain access to your account.

Your account may be temporarily locked if incorrect login information was entered multiple times. This is a security measure to help protect your account. 
To regain access, select “Forgot Password” on the login screen of our mobile app or website and follow the instructions to reset your password. If you're unsure of your User ID or need additional assistance, please contact our Customer Service team at 815-788-2951. 

If you haven’t accessed your online banking account in six months or more, your profile may have expired due to inactivity. In this case, you’ll need to re-register to regain access.

Please contact our Customer Service team at 815-788-2951 for further assistance.

No. For security and privacy reasons, each individual should create their own online banking login, even if you share the same accounts. This helps protect your personal information and prevents login issues. 


Please note that Customer Service is only authorized to assist the person listed on the profile. Shared credentials may limit our ability to provide support. 

Yes, our online banking platform is designed with multiple layers of security to protect your personal and financial information. 

Verified Enrollment: When you enroll, you’ll receive a One-Time Passcode (OTP) sent to your verified phone number on file. This ensures only authorized users can access the account. 
Device Recognition: If you log in from a new or unrecognized device, you may be prompted to enter another OTP for added protection.
Strong Password Requirements: You'll be asked to create a secure password that meets strict criteria, making it more difficult for fraudsters to guess. 
 
Your security is our top priority, and we’re committed to keeping your information safe every step of the way.
To help keep your account secure, our online banking system requires strong passwords that meet the following criteria: 
  • It must be 12-32 characters long. 
  • Must include at least one uppercase letter, one lowercase letter, one number, and one special character.
  • Avoid using personal information such as your name, birth year, or common words. 
  • Do not reuse any of your previous passwords.
For added security, consider using a random phrase or a combination of unrelated words and characters. These are much harder for fraudsters to guess or crack.
Yes, you can view your account number in the mobile app and in a browser by logging in, selecting the desired account and tapping on “Account number and Details”. Then select “show Full Account Number”. You can disregard any leading zeros.
You can view your statement in the Mobile app and the web browser.
  • Mobile App: select “Menu” in the upper right-hand corner, select “Accounts” and then tap E-Statements & Notices.
  • Browser: select the drop-down arrow next to “Accounts” in the green bar, select “E-Statements & Notices at the bottom of the box.
You can update your statement preferences through Online Banking or the mobile app. 

On the website: 
Log in to Online Banking and select the “Accounts” drop-down menu. Then choose “Statement Preference.” Any accounts eligible for eStatements will be listed, and you can update your preferences accordingly. 
In the mobile app: 
Tap the Menu icon, then select the “Accounts” drop-down. Choose “Statement Preference” to view eligible accounts and update your preferences. 
 
Switching to eStatements is a secure and convenient way to access your account information anytime.
You can access your statements through both online banking and the mobile app. 

On the website: 
Log in and select “Accounts”, then choose “E-Statements & Notices.” You can also view statements by selecting the desired account and clicking “Statements” on the right-hand side of the screen. 
In the mobile app: 
Tap the Menu icon, then select “Accounts” and choose “E-Statements & Notices.” Alternatively, select the account you want to view and tap “Statements” located just below your account balances. 

You will receive an email notification when your statement is available.
Yes. You can make a mobile deposit using the Home State Bank app. 

After logging in, select “Menu” in the upper right-hand corner and select “Deposits” then tap “Deposit a Check”. Choose the account you’d like to deposit into and enter the check amount. You’ll then be prompted to take a photo of both the front and back of the check—for best results, use a plain, dark background. 
 
Please ensure the back of the check is signed and includes the restrictive endorsement: “For mobile deposit only to Home State Bank.”

Do not discard your check immediately after submitting it through the mobile app. You are required to retain the physical check for at least 14 calendar days from the date of deposit. 
 
During this time, the bank may request the original check if there are any issues with processing. After the 14-day period, and once you’ve confirmed the deposit has been successfully posted, you may safely shred the check.
Availability: 
Checks deposited through the mobile app by 5:00 PM CST on a business day are typically available the following business day. 
 
Deposits made after 5:00 PM CST on a Friday will be processed as Monday deposits, with funds available on Tuesday. Please note that holidays may affect processing times. 
 
Exceptions may apply. If you have questions about your deposit or availability of funds, please contact our Customer Service team at 815-788-2951.
 
Cut Off Time:
To ensure your mobile check deposit is processed for the next business day, it must be accepted by 5:00 PM CST on a business day. 
 
Deposits made after this time will be processed on the following business day, which may delay availability of funds.
Yes. Our standard daily limits are $2,500 per check and $5,000 per day.
 
There are certain types of checks that cannot be accepted for mobile deposit. While this list is not all-inclusive, the following items are not eligible: 
  • Money orders     
  • Traveler’s checks 
  • Third-party checks (checks made payable to someone other than the account holder) 
  • Stale-dated checks (dated more than 6 months prior to deposit)
  • Checks issued by a foreign bank or in a foreign currency
  • Checks where any payee are not listed on the account
If you’re unsure whether a check is eligible for mobile deposit, please contact our Customer Service team at (815) 788-2951 for assistance. 
Online banking alerts are real-time notifications that help you monitor your account activity and stay informed. These alerts can be delivered through your online banking dashboard, the mobile app, or sent directly to your phone or email. 

Alerts are a convenient and secure way to track transactions, receive balance updates, and stay aware of any unusual activity on your account.

Online banking offers a variety of alerts to help you stay informed and manage your accounts securely: 
  • Security Alerts: Notify you when your username or password is changed, or if there’s an attempted login to your account. 
  • Balance Alerts: Help you avoid overdraft or service fees by alerting you when your account balance goes above or below a threshold you set. 
  • Transaction Alerts: Keep you informed of deposits, withdrawals, and other activity on your accounts. 
  • Transfer Alerts: Let you know when incoming or outgoing transfers are processed. 
  • Debit Card Alerts: Help you monitor purchases and other card activity in real time. 
You can customize which alerts you receive and how they’re delivered—via email, text message, or push notification through the mobile app. 
Setting up alerts is simple and can be done through both online banking and the mobile app. 
 
On the website: 
Click on your name at the top of the page, then select the “Settings” drop-down menu and choose “Alerts.” From there, you can browse and enable the types of alerts you’d like to receive. 
In the mobile app: 
Tap the Menu icon, then go to the “Settings” section and select “Alerts.” You’ll be able to review and customize your alert preferences. 
 
You can choose how you’d like to receive alerts (via email, text message, or push notification) to stay informed about your account activity. 
You can easily set up one-time, scheduled, or recurring transfers between your Home State Bank accounts using Online Banking via the website or mobile app. 
 
  • Log in and select “Transfers.” 
  • Choose the “From” and “To” accounts, enter the amount, and set the transfer date. 
  • To create a recurring transfer, check the box labeled “Recurring” and specify the frequency. 
  • Select “Continue”, then confirm the details to complete the transfer. 
Transfers are a convenient way to manage your funds and stay on top of your finances. 
 
While we don’t currently offer direct transfers to other banks, you still have several easy and secure options: 
  • Zelle® – Easily send up to $2,000 per day and $5,000 over a rolling 30-day period to people who are enrolled with a U.S. bank. 
  • Wire Transfer – A reliable way to send money directly to another bank. 
  • Write yourself a check – Then deposit it at your other bank. 
  • Request a Cashier’s Check – Available at any branch for added security.
You can manage your transfers anytime using Online Banking or our Mobile App. 

On the website: 
Go to the Transfers tab, then click Transfer Activity. Find the transfer you want to change or cancel and click the arrow next to it to see your options. 
 
In the mobile app: 
Tap the Menu, then open the Transfers section and choose Transfer Activity. Find your transfer, tap the arrow next to it, and follow the steps to edit or cancel.
Placing a stop payment on a check is easy and affordable with online banking.  
  • In the web browser, log-in and click on the “Accounts” drop-down and then select “Stop Payment.” Complete the form by selecting the appropriate account, specifying whether the request is for a single check or a range of checks, check number, amount, and reason. Please refer to our Fee Schedule for any associated fees. 
  • In the mobile app, log-in and select the “Menu” tab. From there, you can press on the “Accounts” drop-down and then “Stop Payments.” Complete the form by selecting the appropriate account, specifying whether the request is for a single check or a range of checks, check number, amount, and reason. Please refer to our Fee Schedule for any associated fees. 
  • ACH stops must be placed in person or with Customer Service at 815-788-2951.
If you do not use online banking, we can assist you with placing a stop. Please refer to our Fee Schedule for any associated fees. Please call Customer Service at 815-788-2951. 

BillPay/Zelle® FAQs

Bill Pay is a service available through Online Banking that allows customers to send payments to a wide range of companies, either as one-time payments or on a recurring schedule.
To enroll in Bill Pay, login to Online Banking and navigate to the Payments tab. Accept the terms and conditions to begin using the service.
There is no fee for customers to utilize BillPay.
Yes, payments can be scheduled in advance as either one-time or recurring payments. Recurring payments are ideal for bills with a fixed amount that does not change.
To view previous payment activity, navigate to the activity section of the payments tab.
To edit a payment before it is sent, navigate to the Activity section within the Payments tab. Select the blue arrow to the right of the payment you wish to modify. If the payment can be changed, the Edit Payment option will be available.
To place a stop payment on a payment made through BillPay, contact BillPay at: 833-656-6496.
Payments may be sent by physical check or electronic delivery. The payment method is automatically determined and cannot be manually selected. Although payments to larger billers, such as ComEd or Nicor, are usually sent electronically, there may be occasions when a check is used instead.
Zelle® is a service provided to our customers through online banking. It allows you to send and receive funds to friends or family by using a phone number or email address.
To enroll in Zelle®, login to Online Banking and navigate to the Zelle® tab. Accept the terms and conditions. At this point, you can choose to enroll with a phone number and/or email address. You can choose where funds you receive are deposited and you can begin utilizing Zelle®.
No, there is no fee to send and receive funds via Zelle®. There is a fee to stop a P2P (Person to Person) transaction already in process. Instant transactions cannot be stopped.
Yes, you can utilize Zelle® with a business account, by either enrolling in a profile under a signer’s personal information or setting up a business online profile with customer service.
To add a contact on Zelle®, navigate to the Zelle® settings, select Recipients and then click add a recipient. 
Zelle® transaction limits are set contractually and cannot be adjusted. Customers may send up to $2,000 per day and $5,000 within a rolling 30-day period. In addition, funds can be sent up to 15 times per day and 30 times per month, and money requests are limited to 10 per day and 30 per month. These limits apply equally to both consumer and business accounts.
Yes, you must be at least 18 years old to utilize Zelle® and Bill Pay.
Zelle® is a service recommended for paying family, friends and others known in person and trusted. It is not recommended to send a Zelle® transaction to a person online or to pay for a business product or service that has not yet been completed to an acceptable standard. Once you send funds via Zelle®, like cash, the funds are very difficult to get back.
If you receive a message stating your Zelle® profile or specific payment has been put on hold, contact Customer Service at 815-788-2951.
If you believe that you have been the victim of fraud related to Zelle®, contact Customer Service at 815-788-2951.


Debit Card FAQs

A replacement debit card is typically mailed to you about 6 weeks before your current card expires. If you haven’t received your new card by the end of the expiration month, please contact us at (815) 788-2951. We’ll be happy to assist you and may need to confirm or update your mailing address to ensure proper delivery.
You can change your PIN by calling the PIN Reset line: 1-800-992-3808 or by going into your Online Banking under Cards, then select Set PIN.
To activate the card, you can call our toll-free number 1-800-992-3808 or use the card at an ATM.  You can also activate your card by going into your Online Banking and selecting “Activate Card” under the Cards tab.
Disable your card immediately by logging in to your Home State mobile app or Online Banking, navigate to the Cards tab, and choose to turn the card off or report it as Lost/Stolen. Contact us for assistance: During business hours, call (815) 788-2951. For after-hours support, call (800) 472-3272. To request a replacement card: Visit any branch with a valid ID to receive an instant issue debit card. If visiting a branch is not possible, please call us and we will mail a new card to you.
If you're planning to travel, we recommend submitting a travel notice to help ensure your debit card works without interruption while you're away. You can do this by logging into Online Banking or the Mobile App, selecting Cards or Manage Cards, and then choosing Manage Travel Plans. Travel notices can be set for up to 15 days. You may also call us at 815-788-2951, and we’ll be happy to add the notice for you. Please note that for security reasons, transactions made outside the United States may be automatically blocked if a travel notice is not on file. To avoid any disruptions, make sure your contact information is up to date so we can reach you quickly if a fraud alert is triggered during your trip.
Yes, you can set limits on your debit card, such as the maximum amount allowed for a single transaction. If a transaction exceeds the limit you set, it will be declined.
Our ATM network is associated with Money Pass ATM’s, meaning any ATM that is on the Money Pass system will not produce a Foreign ATM fee. Please visit the Money Pass website to see participating ATMs near you.
Card Management is your secure on-the-go management of your debit card, you can add Travel notices, set spending limits, turn your card on/off, report a card lost or stolen, add your card to digital wallets (Apple/Google/Samsung Pay), and more.
You can access Card Management simply by selecting the Cards tab in your Online Banking either through the mobile app or the web browser.
If you receive a fraud alert, it means our fraud center is trying to verify a recent debit card transaction. Alerts may be sent by phone, text, or email, and it’s important to respond promptly to avoid any restrictions on your card. Fraud Center Phone: 833-735-1894. Fraud Center Text: 833-735-1892. Text Short Code: 37268. If you do not recognize the transaction, your card will be blocked to prevent further unauthorized activity. Please contact us at 815-459-2000.
By going to the Cards tab in your Online Banking and selecting Controls & Alerts. You must allow the Home State Bank app to send you notifications if adding the alerts in the app.
If you notice a transaction you don’t recognize, we recommend contacting the merchant directly, as they may be able to resolve the issue and issue credit quickly. Alternatively, you can view your transaction details by going to your Cards tab in the Online Banking, and selecting the transaction in question. If the merchant is unable to assist or you would prefer to proceed with a formal dispute, please call us at 815-459-2000.
For some in-person debit card transactions, you may see a map of where the transaction took place, the phone number of the business, and the business hours. You will also see the merchant’s name and dollar amount.
You can add several controls to your debit card such as:
 
  • Location Controls
  • Merchant Types
  • Transaction Types
  • Spending Limits
  • Turning the Card on/off
Yes, through Online Banking (in the Home State Bank app) you can choose to add your debit card to a digital wallet by going through the Card tab and selecting the Add to Digital Wallet option. If you are replacing a previous Home State Bank card, remove that card from the Digital Wallet first before adding the new card.