Branch Services

What are your office hours?

Lobby - Downtown Crystal Lake, Woodstock, McHenry, Lake in the Hills: 
Mon – Fri 9 AM to 5 PM
Sat – 9 AM to 12 PM

Drive-Up - Downtown Crystal Lake, Woodstock, McHenry, Lake in the Hills
Mon – Fri: 8 AM to 5 PM (Grant St. Drive-Up: 5:30 PM)
Sat: 8 AM – 1 PM

Lobby/Drive-Up - 611 South Main St. 
Mon – Fri: 8 AM to 5 PM

Do you offer Notary Services?

Yes! All our branches offer notary services during regular office hours. Notary services are free to customers and $5 for non-customers.

Bank Information

What is Home State Bank’s phone number?

Our main line is 815-459-2000. To be connected directly to customer service, please call 815-788-2951. To check your balance and recent transactions, you can call our Telebanking line at 815-261-9149.

What is Home State Bank’s routing number?


What is Home State Bank’s wire swift code?



How do I change my address or contact information on file?

You can always update your address at one of our branches by filling out an address change form. Alternatively, you can send us a secure message through your online banking. Log-in to your account at and select “Mail,” then “Compose.” Please include in your message your previous address, your new address, your current contact information, and the account(s) and accountholders that this will apply to. We will call you upon receiving the message to verify your information. 

I ran out of checks. How can I order more?

Any of our branches will accept your re-order slip or place a new order for you! You can also place an order online by going to, hovering over “Personal” or “Business,” and selecting “Reorder Checks.”

Can I get information about my account by phone?

Yes! We have a 24-hour Telebanking line. Please call 815-261-9149 and be prepared to provide your account number and Telebanking PIN. For first time users, your PIN will be the last 4 numbers of your SSN or EIN. 

Online Banking

How do I enroll in Online Banking?

Please visit our website and select “Enroll Now.” You will need to enter the following information: 
Account Number
Date of Birth

I just opened an account. When can I start using online banking?

You can enroll in online banking as soon as your account is opened. 

I’m trying to enroll, but I’m not receiving the one-time-passcode to my email. What do I do?

For security reasons, if we do not have your current email on file, you will not be able to enroll in online banking. You may need to fill out an address change form to update your information. 

I forgot my Username and/or Password. What do I do?

To retrieve your username, please call customer service at 815-788-2951. 

You can reset your password from your mobile app or from our website. Click on “Forgot Password” underneath the log-in portal. Enter your username, last 4 of SSN or EIN, and your email address. You will receive a temporary password to your email inbox.

I’m locked out of my online banking. How did this happen, and what do I do?

You may be locked out of online banking for a few different reasons:
You may have attempted to log-in too many times with invalid credentials (please note that username, password and security answers are case sensitive),
You may not have logged-out of multiple sessions, causing a session-time out, or,
You may have exceeded the allowed forgot-password attempts. 
To unlock your profile, you must call customer service at 815-788-2951.

Why can’t I sign into my online banking?

Make sure you are correctly entering your credentials. Your username, password, and security answers are case sensitive. It may also help to clear your history, cache, and cookies from your web browser before trying again. If you still can’t log in, you may be locked-out. Please call customer service at 815-788-2951.

I haven’t logged into my online banking account in a while and now I can’t log-in. What do I do?

If you do not log-in to your online banking account in 6 months or more, your profile will expire, and you will need to re-enroll. Please call customer service at 815-788-2951 so we can help you troubleshoot or re-enroll.

Can I share a profile with someone?

No, accountholders should create their own logins, even if they share the same accounts. This is for security reasons and prevents log-in issues. Additionally, customer service will only assist the individual listed on the profile if you call in. 

Is online banking safe and secure?

Yes. Our online banking has several features that make it especially secure to protect your information. First, upon enrollment you will be required to enter a one-time passcode sent to your email. Only emails that we have verified in our system prior to enrollment will be eligible. You will also be required to make a password with strict requirements, making it harder for fraudsters to crack. We also have multi-factor authentication or MFA in the form of security questions. The answers you provide to your security questions should be information that only you would know. 

How do I choose a strong password for online banking?

Our online banking password requirements help you create a strong password. You must choose a password that is between 13-17 characters and includes at least one uppercase letter, lowercase letter, number, and special character. Do not use any personal or easy-to-guess information in your password, such as your name or birth-year. Passwords consisting of random phrases or combinations of characters are more difficult for fraudsters to crack. 

Mobile App 

Can I access my online banking from my phone or tablet?

Yes! Once you are enrolled in online banking you can download our mobile app: HSB Mobile Banking. Here, you can log in using the same credentials as your online banking. The mobile app offers almost all the same features as our browser – in the palm of your hand. 

Is my log-in the same for online banking and the mobile app?


Can I view my account number in the mobile app?

Yes, you can easily view your account number in your mobile app by logging in, selecting the desired account, and tapping on the eyeball icon near the top of the screen. This will show your account number. You can disregard any leading zeros. 

Can I view my statements in the mobile app?

Yes! Log-in to the mobile app and select the “More” tab, then select “Statements & documents” and choose the desired account. You can view the last 2 years’ worth of statements. 

Mobile Deposit

Can I deposit a check with my phone?

Yes! Our mobile check deposit is simple – log in to your Home State mobile app and select “Deposit,” then “Deposit a Check.” You will then be asked to take a picture of the front and back of the check. Try to take the photo against a plain, dark background. 
When depositing through the mobile app, you are required to sign the back of the check and use the restrictive endorsement, “For mobile deposit only to Home State Bank.”

If I use mobile check deposit, how soon will the funds be available in my account?

If you deposit your check by 5 pm CST, it will be made available to you the following business day. 
If you make a deposit after 5 pm on a Friday, it will be considered a Monday deposit and therefore would be available on Tuesday. Holidays also affect business days. Exceptions can apply. If you have any questions, please contact customer service at 815-788-2951. 

Are there limits for mobile check deposit?

Yes. Our standard daily limits are $2,500 per check, $5,000 per day. 

What is the cutoff time for making a mobile check deposit for it to post on the following business day?

Your deposit must be accepted by 5 pm CST on a business day for it to post on the following business day.

How do I endorse my check when using mobile check deposit?

When depositing through the mobile app, you must sign the back of your check and write “for mobile deposit only to Home State Bank.” Some checks have a box where you can indicate “mobile deposit,” then you can add “to Home State Bank.” Failure to properly endorse your check for mobile deposit may result in your check being rejected. 

Are there any types of check I can’t deposit through the mobile app?

Yes. There are limitations to the types of check that can be accepted for mobile deposit. This list is not all-inclusive, please call us if you have a question about a check you would like to mobile deposit. We cannot accept: 
Checks over $2,500 each or exceeding $5,000 total mobile check deposit per day 
Money orders
Traveler’s checks
Third-party checks
Checks dated more than 6 months prior to the date of deposit (stale dated)
Checks issued from a foreign bank or in a foreign currency
Checks where one or more of the payees are not listed on the account

Why was my check rejected?

If you check is rejected, you will receive an email with the reason for rejection. Common reasons for rejection include, but are not limited to: 
The photo(s) of your check were unclear
The amount or account/routing numbers were indecipherable
The check was not properly endorsed for mobile deposit only to Home State Bank with your signature
One or more of the payees were not listed on the designated account for deposit
You attempted to submit a third-party check or money order

What should I do with my check after I have submitted it for mobile deposit?

Please do not dispose of your check. You are required to hold on to the check for a minimum of 14 calendar days from the date of the deposit. If there are any issues with your deposit, you may be required to provide the check to the bank. After 14 days, you may shred your check. 


What are alerts?

Online banking alerts are notifications through your online banking, mobile app, and even pushed directly to your phone or email that provide real-time updates about your account. Alerts help you stay informed and monitor your finances securely. 

What kind of alerts are there?

Security alerts let you know when your password or username is changed or there is an attempt to log-in to your account.
Balance alerts can help you avoid overdraft or service charges by alerting you when your account is above or below the threshold you select. 
Transaction alerts keep you informed about debits and credits on your accounts. 
Transfer alerts remind you when incoming or outgoing transfers occur. 
Debit card alerts help you monitor your transactions. 

How do I set up alerts?

Setting up alerts is easy from your online banking or mobile banking. 

Through a browser, go to our website and log in, then select “Alerts.” 

Through the mobile app, log-in and select “Manage Alerts.”

Browse through the different types of alerts and select those that you wish to receive. 

Can I receive alerts via text or email?

Yes, you can set up push notifications that will go to your email or by text as well as the app notification. Through online banking, select “Alerts,” then select “Contact Options” and add your email or phone for text messages. Through your Home State mobile app, select “Manage Alerts,” then “Manage Delivery” and add your contact information. 

Is there a fee for using alerts?


Can I receive account alerts if I’m not enrolled in Online Banking?

No. You will need to enroll in online banking to have access to alerts. 

Can I set up alerts for my business accounts?

Yes! If you are enrolled in online banking, you will have access to alerts.


How do I enroll in eStatements?

Please log-in to your online banking via our web browser, Go to your Profile and select “Electronic Statements.” Any accounts available for eStatements will be listed and you can enroll them here. 

How can I get a copy of my statement?

Our online banking and mobile app both offer you access to the last 2 years’ worth of statements for your accounts to view, download and print!

Website: Log into your account at Select the desired account, then select “Documents” and search by date. 

Mobile app: Log in and select the “More” tab. Then select “Statements and documents.”

How do I know when my statement is available?

You will receive an email notification when your statement is available.

What is my balance? Did my payment go through? Did I receive my deposit yet?

You can easily check your balance, transactions, and deposits at any time using our online banking or Telebanking. Log into or your mobile app and select the desired account to see your up-to-date balance and transactions. Or, call our 24-hour Telebanking line at 815-261-9149. Please be ready to enter your account number and PIN. If you need further information, please contact customer service at 815-788-2951.

Is my online banking activity and balance up to date?

Yes. The activity you see in your online banking is updated in real-time. 


How do I set up a transfer between my Home State accounts?

You can easily set up one-time, scheduled or reoccurring transfers between accounts in your online banking or mobile banking app. 
From our website, log-in and select the “Transfer” tab. Enter the from account, to account, date, amount, and an optional description. If you want to create a reoccurring transfer, check the box that says “repeat” and enter the frequency of the transfer. Select “preview transfer” and then “complete transfer.” 

From your mobile app, log-in and select the tab “Transfer & Pay,” then select “Make an internal transfer.” You will be prompted to enter the transfer information (see above). 

How do I view, modify, or delete my scheduled or recurring transfers?

You can view your transfers at any time in online banking or the mobile app.

With online banking in your browser, select the “Transfer” tab. Scroll to the bottom of the page and you will see your Scheduled Transfers, which you can also edit or delete. 

From the mobile app, select the “Transfer & Pay” tab, then select “View scheduled transfers.”

How can I transfer money to a different bank?

Currently, we do not offer external bank transfers. We suggest one of the following methods: 
Zelle up to $2,000 per day and $5,000 in a rolling 30 days,
Issue yourself a check,
Request a Cashier’s check.
Stop Payments

How can I place a stop payment on a check?

Placing a stop payment on a check is easy and affordable with online banking. Please log-in to your online banking at Select the account the check was written out of, then select “Stop Payment” and fill out the form with the check number, amount, payee, date, and reason. Please refer to our Fee Schedule for any associated fees.

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.

How can I place a stop payment on an ACH?

Please call us at 815-788-2951. Please refer to our Fee Schedule for any associated fees. 


I received a service charge or overdraft (NSF) fee. Can this be rebated?

Please refer to our Fee Schedule if you have received a fee. We don’t rebate fees unless due to bank error. To avoid being charged future fees, we highly recommend looking into Alerts. Alerts are a great tool to help you maintain your account, monitor your balance, and stay on top of the debits or credits in the account as soon as they occur. If you think you were charged a fee in error, please contact customer service at 815-788-2951. 

Debit Card

I lost my card. What do I do?

First, turn your card off. Log-in to your Home State mobile app and select “Manage My Card.” From here, you can turn the card off or report it as Lost/Stolen. You can also call us directly at 815-788-2951 during business hours. 

To get a replacement debit card, you can stop by any of our branches with your ID for an instant issue debit card. If you are unable to come in, please call us so we can mail you a new card. 

I’m going to be traveling with my debit card. What do I need to do?

If you are traveling within the United States, your Home State debit card will work! You are not required to advise us of your travel. Please be aware that if you receive a fraud alert, you will need to reply. 

If you are traveling outside of the United States, please call us at 815-788-2951 prior to your trip so that we can add a travel note. For fraud prevention, transactions outside of the US will be blocked automatically without a travel note. 

Before your trip, please make sure that we have the correct contact information on file incase we need to reach you. 

My debit card is expiring soon. What do I need to do?

You can expect your replacement debit card to arrive in the mail approximately 1 month before your card expires. 

If you still haven’t received your new card by the end of its expiration month, please contact us. We will issue you a new card and we may need to update your address information. 

I forgot my PIN. How do I reset it?

Please call our 24/7 automated PIN reset line at 800-992-3808 and select option 2 to reset the PIN. Alternatively, you can come to any of our branches during business hours and we can reset it for you.

There’s a debit card transaction on my account that I don’t recognize. How do I dispute it?

We encourage you reach out to the merchant as they may be able to resolve the issue themselves and issue you a credit promptly. If you would like to dispute a transaction, please call us at 815-788-2951.

I received a fraud alert. What do I do now?

Occasionally, our fraud center will reach out to you by phone, text, or email to verify a debit card transaction. You will need to reply to these alerts, or your card may be restricted. Our fraud center’s phone number is 833-735-1894 and text number is 833-735-1892. You can also call Home State’s customer service directly at 815-788-2951 during business hours. 

If you don’t recognize the transaction, your card will be blocked. You will need to call or visit one of our branches to replace the compromised card and file a debit dispute for the unauthorized charge, if necessary. 

Card Controls

What are Card Controls?

Card Controls in your Home State mobile app allow you to manage your debit card on the go! 
Log-in to your Home State mobile app and select “Manage My Card” from the Quick Links. From here, you can block your card (turn it on or off), report your card as lost or stolen, set spending limits, and more.

Bill Pay

What is Bill Pay?

Bill Pay is a convenient service that allows you to set up payments for your bills. Instead of manually paying each bill yourself, Bill Pay will process payments on your behalf either electronically or by mailing a check.

Who can I pay using Bill Pay?

Anyone! Most major companies will already be listed in Bill Pay. If your recipient is not listed, you can add them by entering their information and Bill Pay will send them a check. 

How do I enroll in Bill Pay?

Bill Pay is quick and easy to enroll in. From our website, log-in to your online banking and select the tab “Bill Payment.” If this is your first time, you will need to accept the terms and conditions of Bill Pay and Zelle. Afterwards, you will be ready to begin adding your payees and payments. 

Once you have accepted the terms and conditions, you will also be able to access Bill Pay in your Home State mobile app. You can find Bill Pay under the “Transfer & Pay” tab. 

Can I enroll in Bill Pay through my mobile app?

No. First-time users of Bill pay must enroll through a web browser at Once you are enrolled, you will have access to Bill Pay in your mobile app. 

How do I access Bill pay in my mobile app?

If you have already enrolled in Bill Pay, you will find it under the Transfer & Pay tab of your mobile app.



What is Zelle?

Zelle is a safe, simple, and convenient method of sending and receiving money between friends and family, even if they bank at another financial institution! Zelle makes it easy to split the cost of dinner, send money as a gift, or pay someone back. Zelle allows you to receive money directly into your bank account without any fees, and you can access it through your Home State app or online banking. 

I have a small business account, can I use Zelle for my business needs?

Currently, Home State Bank does not offer Zelle for business use. 

How do I sign up for Zelle?

Signing up for Zelle is simple – all you need is a valid U.S. phone number or email and to be at least 18 years old. From our website, log-in to your online banking and select the “Bill Payment” tab. If this is your first time, you will need to accept the terms and conditions of Bill Pay and Zelle. Afterwards, you can access Zelle and click on “Get Started.”  Follow the prompts to set up your phone number or email with Zelle – this is how people will find you when sending or requesting payments.

Once you have enrolled in Zelle, you will also be able to access it through your Home State mobile app. You can find Zelle under the “Transfer & Pay” tab. 

How much can I send or receive with Zelle?

There are no limits to how much money you can receive with Zelle! 
For sending, Zelle has a limit of $2,000 per day, and $5,000 in a rolling 30-days.

Is there anyone I can’t pay using Zelle?

Zelle is designed for use with friends or family. We do not recommend using Zelle for anyone you do not know personally. 

I already use Zelle at another financial institution. Can I enroll in Zelle at Home State, too?

Yes, you will just need to register with a different phone number or email with Home State. A phone number or email can only be associated with one financial institution in Zelle at a time. If you attempt to register with a number or email already that is registered with Zelle, you will be notified and given opportunity to proceed and switch it over or cancel.

Are there any fees to use Zelle?

Zelle is typically free to use, however, Zelle may charge a fee if you decide to cancel a payment. 

Loan & Mortgage

How can I make payments on my loan or mortgage?

There are several ways to make your payments!
You can mail or bring in your payment to one of our branches.
If you have a Home State Bank account, you can set up a transfer from your account towards your loan.
Our loan servicing team can assist you in setting up an automatic ACH that deducts from any bank account. 
Or, you can make a payment online at 

How can I make a loan payment online?

From our website,, hover over “Loan Payment” and select “Make a Payment.” You can choose to pay as a guest, or create a log-in. Creating a log-in allows you to save your payment account information, set up automatic payments, and view your payment history. Please note, this is a separate portal and log-in than your online banking account.
Select Your Banking Experience

Online Banking

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