What is Home State Bank’s routing number? 

071918765 

What is Home State Bank’s wire swift code? 

HOTAUS44 

Other 

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

You can update your address or contact details in any of the following ways: 

• Online Banking: Log in to your online banking account via the app or website. Go to your Profile and follow the prompts to update your information. 

• In Person: Visit any of our branch locations, and a team member will assist you. For your security, we may require identity verification before processing any changes. 

• By Mail: Request a Change of Address form by contacting us. Once completed, the form must be notarized and mailed back to us for processing. 

How can I order more checks? 
You can reorder checks using any of the following methods: 

• Visit a Branch: Stop by any of our branch locations and a team member will assist you. 

• Call Customer Service: Reach us at (815) 788-2951. 

• Order Online: Go to www.homestbk.com, hover over “Personal” or “Business”, and click “Reorder Checks.”  

Can I get account information over the phone? 

Yes! Just call our 24-hour Telebanking line at (815) 261-9149. Have your account number and Telebanking PIN ready. If it’s your first time using Telebanking, your PIN will be the last 4 digits of your SSN or EIN. 

Online Banking 

How do I register for Online Banking? 

You can register for Online Banking through our website, www.homestbk.com, or the HSB Mobile App. Complete all the required fields, and one optional field: 

• Social Security Number 

• Account Number / Type  

• First Name (Optional)  

• Last Name 

• Email Address (Optional) 

• Mobile Phone (Optional) 

• Birth Date 

You will then 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. 

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 phone number. What do I do? 

If you're 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. 

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 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.  

What is the difference between Current Balance and Available Balance in my online banking? 

Your current balance is the total amount of money in your account based on all fully processed transactions as of the end of the previous business day. Your available balance is the amount of money currently available for use. The available balance reflects pending transactions, temporary holds, and any other transactions that have not yet posted to the account. 

Can I share a profile with someone? 

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. 

Is online banking safe and secure? 

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. 

How do I choose a strong password for online banking? 

To help keep your account secure, our online banking system requires strong passwords that meet the following criteria: 

• Must be 9–32 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. 

Where do I log in if I use Commercial Cash Management? 

With our upgraded system, business users now log in through the same portal as consumer Online Banking users. 

You can continue using your existing credentials to securely access your accounts—no need to create a new login. 

If you need assistance or have questions, please contact your Commercial Services Representative for support. 

Mobile App  

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

Yes. 

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

Yes.  

Can I view my account number in the mobile app? 

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? 

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. 

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

When depositing a check through the mobile app, you must sign the back of the check and include the restrictive endorsement: “For mobile deposit only to Home State Bank.” 

Some checks may include a checkbox labeled “mobile deposit.” If available, you may check that box and add “to Home State Bank” next to it. 

Failure to properly endorse your check may result in the deposit being rejected. 

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

Yes. 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: 

• Checks over $2,500 individually or exceeding $5,000 total in mobile deposits per day 

• 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 is 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. 

Why was my check rejected? 

If your mobile check deposit is rejected, you will receive an email notification explaining the reason. Common reasons for rejection include: 

• The check images were unclear or blurry 

• The amount or account/routing numbers were not legible 

• The check was not properly endorsed with your signature and the phrase: 
  “For mobile deposit only to Home State Bank” 

• One or more of the payees are not listed on the account 

• The check was a third-party check or a money order, which are not accepted 

If you’re unsure why your check was rejected or need help correcting the issue, please contact our Customer Service team at (815) 788-2951. 

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

Please 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. 

Alerts 

What are alerts? 

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. 

What kind of alerts are there? 

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. 

How do I set up alerts? 

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. 

Can I receive alerts via text or email? 

Yes. You can choose to receive alerts via email, text message, or push notifications through the mobile app. Alert preferences can be managed through both online banking and the mobile app. 

• In the mobile app: 
  Tap the Menu icon, then select “Settings.” From there, go to “Alerts” and choose “Notification Settings” to add or update your contact information. 

• On the website: 
  Click on your name at the top of the page, then select the “Settings” drop-down and choose “Alerts.” In the upper right corner, click “Notification Settings” to manage your contact details. 

This allows you to customize how and where you receive alerts, so you can stay informed in the way that works best for you. 

Is there a fee for using alerts? 

No.  

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. 

Statements 

How do I enroll in eStatements? 

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. 

How can I get a copy of my statement? 

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. 

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 check your account balance, recent transactions, and deposit status anytime using Online Banking, the mobile app, or Telebanking. 

• Online Banking & Mobile App: 
  Log in at www.homestbk.com or through the Home State Bank mobile app. Select the desired account to view your current balance and transaction history. 

• Telebanking: 
  Call our 24-hour Telebanking line at (815) 261-9149. Be prepared to enter your account number and PIN to access your account information. 

If you need additional assistance, please contact our Customer Service team at (815) 788-2951. 

Is my online banking activity and balance up to date? 

Yes. Your account activity and balance are updated in real time in both online banking and the mobile app. This means you’ll always see the most current information available when you log in. 

Transfers 

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

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. 

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

You can manage your transfers anytime using Online Banking or our Mobile App. 

• On a computer: 
  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. 

How can I transfer money to a different bank? 

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. 

How can I place a stop payment on a check? 

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. 

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 Customer Service at (815) 788-2951. Please refer to our Fee Schedule for any associated fees.  

Fees 

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

We typically don’t 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. 

Debit Card 

I lost my card. What do I do? 

If your debit card is lost, please take the following steps to protect your account: 

1. Disable your card immediately. 

1.  Log in to your Home State mobile app or Online Banking, navigate to Cards or Manage Cards, and choose to turn the card off or report it as Lost/Stolen. 

2. Contact us for assistance: 

1. During business hours, call (815) 788-2951. 

2. For after-hours support, call (800) 472-3272. 

3. Request a replacement card: 

1. Visit any branch with a valid ID to receive an instant issue debit card. 

2. If visiting a branch is not possible, please call us and we will mail a new card to you. 

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

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. 

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

A replacement debit card is typically mailed to you about one month 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. 

I forgot my PIN. How do I reset it? 

You can easily reset your PIN in one of the following ways: 

• Online or Mobile Banking: 
  Log in to your Home State mobile app or Online Banking, select Cards or Manage Cards, scroll down, and choose Set PIN to create a new one. 

• 24/7 Automated Phone Line: 
  Call (800) 992-3808 and select Option 2 to reset your PIN anytime. 

• In Person: 
  Visit any of our branches during business hours, and a team member will assist you with resetting your PIN. 

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

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 a credit quickly. 

If the merchant is unable to assist or you would prefer to proceed with a formal dispute, please call us at (815) 459-2000. 

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

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. 

Card Controls 

What are Card Controls? 

Card Controls, available in both the Home State mobile app and Online Banking, give you secure, on-the-go management of your debit card. 

By selecting “Cards” or “Manage Cards” from the Quick Links menu, you can: 

• Turn your card on or off 

• Report your card as lost or stolen 

• Set spending limits 

• Add a travel notice 

• And more 

These features help you monitor and manage your card activity, reduce the risk of fraud, and ensure your card works smoothly while traveling. 

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? 

You can use Bill Pay to pay anyone—from major companies to individuals. Most large businesses are already listed in the system for easy setup. If your payee isn’t listed, you can manually enter their information, and Bill Pay will send them a check on your behalf. 

How do I enroll in Bill Pay? 

Enrolling in Bill Pay is quick and easy: 

• Log in to Online Banking through the website or mobile app.  

• Select the “Bill Payment” tab. 

• If this is your first time, you’ll be prompted to accept the terms and conditions for both Bill Pay and Zelle®. 

Once enrolled, you can begin adding payees and scheduling payments right away. 

Zelle 

What is Zelle? 

Zelle® is a fast, safe, and convenient way to send and receive money between friends and family—even if they bank at a different financial institution. It’s perfect for splitting expenses, sending gifts, or paying someone back. 

Funds are sent directly between bank accounts, typically within minutes. You can access Zelle® through your Home State mobile app or Online Banking. 

How do I sign up for Zelle? 

Signing up for Zelle® is simple. You’ll need a valid U.S. mobile phone number or email address and must be at least 18 years old. 

To enroll: 

• Log in to Online Banking. 

• Select the “Bill Payment” tab. 

• If this is your first time, you’ll be prompted to accept the terms and conditions for both Bill Pay and Zelle®. 

• Once accepted, click “Get Started” and follow the prompts to link your phone number or email—this is how others will find you when sending or requesting money. 

How much can I send or receive with Zelle? 

There’s no limit to the amount of money you can receive using Zelle. 

For sending, there is 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 intended for sending money to people you know and trust, such as friends and family. 

We strongly recommend not using Zelle® to pay individuals you don’t know personally, especially for goods or services found online or on social media platforms. 

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

Yes, you can enroll with Zelle® at Home State Bank. However, each email address or U.S. mobile number can only be linked to one financial institution at a time within Zelle®. 

To enroll with Home State, you’ll need to use a different email or mobile number than the one registered at your other bank. 

Are there any fees to use Zelle®? 

Zelle® is typically free to use through Home State Bank. 

However, Zelle® may assess a fee if you choose to cancel a payment after it has been scheduled. 

Loan & Mortgage 

How can I make payments on my loan or mortgage? 

Home State Bank offers several convenient ways to make your loan or mortgage payments: 

• In person or by mail: Visit any Home State Bank branch or mail your payment to us. 

• Online: Go to www.homestbk.com, select the Loan Payment tab, then click Make a Payment. 

• Transfer from a Home State Bank account: If you bank with us, you can set up a transfer directly to your loan. 

• Automatic payments (ACH): Our Loan Servicing Team can help you set up recurring payments from any bank account. 

How can I make a loan payment online? 

To make a loan payment online: 

1. Visit www.homestbk.com. 

2. Hover over the Loan Payment tab and select Make a Payment. 

3. You can choose to pay as a guest or create a login. 

Creating a login allows you to: 

• Save your payment account information 

• Set up automatic payments 

• View your payment history 

Please note: This is a separate portal from your Home State Bank online banking account and requires its own login credentials.