Read on to learn more about HomeTrust Bank promotions, bonuses, and offers.
Update 1/28/25: The $400 checking bonus is back through 4/30/25. There is also a $25 referral bonus for reach person you refer to open a new account.
About HomeTrust Bank Promotions
Established in 1926, HomeTrust Bank has been offering banking services for over 90 years and has grown to over 40 locations. They value helping their customers get the right help they need.
I’ll review the offers below.
HomeTrust Bank $400 Checking Bonus
HomeTrust Bank is offering a $400 bonus when you open a new qualifying checking account.
- What you’ll get: $400 bonus
- Account Type: Everywhere Connect, Premier Checking, Simple Checking
- Availability: NC, SC, TN, VA (Bank Locator)
- Direct Deposit Requirement: Yes, $2,500+ within 90 days (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes, not sensitive
- Credit Card Funding: None
- Monthly Fees: $0-$15, waivable
- Early Account Termination Fee: Bonus forfeit, 180 days
- Household Limit: Two per household
(Expires 04/30/2025)
| BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | |
How To Earn Bonus
HOW TO EARN THE BONUSFINE PRINT
- Open a new Premier, Everywhere Connect, or Simple Checking account with the promotional code “UPTO400.”
- Meet the following to earn up to a $400 bonus:
- Get $150 for qualified direct deposits totaling $2,500 or more in the first 90 days.
- Get $150 for an opening balance of $10,000 or greater and maintaining that balance for the first 90 days.
- Get $100 when you make at least 15 debit card purchases totaling $500 or more in one statement cycle in the first 90 days.
- Eligible accounts may participate in HomeTrust Bank’s 2025 “Up to $400” Bonus program. Offer applies to new HomeTrust Bank customers only and is limited to our Premier, Everywhere Connect, or Simple Checking account products. Account must be opened between February 1, 2025, and April 30, 2025, with the promotional code “UPTO400.” Account must be opened with funds not already on deposit with HomeTrust Bank.
- You can earn up to $400 when you meet the qualifications for each cash bonus reward. See requirements below.
- Direct Deposit bonus: Earn $150 for direct deposits totaling $2,500 or more across two consecutive statement cycles within the first three statement cycles from account opening. Your direct deposit needs to be regular monthly income, such as an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as Direct Deposit.
- $10K+ Account Balance bonus: Earn $150 when you deposit and maintain a $10,000 minimum daily balance in your new account for the first three statement cycles. Account must be opened with funds not already on deposit with HomeTrust Bank.
- Debit Card Activity bonus: Earn $100 when you make at least 15 debit card purchases equal to, or greater than, $500 in one statement cycle within the first three statement cycles. A statement cycle is approximately 30 days and ends on the 15th of each month. All transactions must post and settle to qualify.
- Bonuses may be credited at different times depending on account activity but will be credited no later than 120 days from account opening. Offer cannot be combined with other promotions, such as Refer A Friend, and is limited to two (2) incentives per household. Offer not available to households that have had a personal checking account at HomeTrust Bank within the last five years. Primary account holder must be 18 years or older and have a physical address within the HomeTrust Bank market footprint. If your account is closed within the first 180 days, an account closing fee equal to the bonus payment (between $100 and $400) you received will apply. HomeTrust Bank employees are not eligible to participate in promotion. Offer may be withdrawn at any time and is subject to change. Payments are subject to IRS tax reporting requirements.
HomeTrust Bank $25 Referral Bonus
HomeTrust Bank is offering a $25 referral bonus when referring your friend and family
- What you’ll get: $25 bonus
- Account Type: Everywhere Connect, Premier Checking, Simple Checking
- Availability: NC, SC, TN, VA (Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Unknown
- ChexSystems: Unknown
- Credit Card Funding: None
- Monthly Fees: $0-$15, waivable
- Early Account Termination Fee: None listed
- Household Limit: 20 referrals per calendar year
(Limited time offer)
| BMO Smart Money Checking ($350 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | |
How To Earn Bonus
HOW TO EARN THE BONUSFINE PRINT
- To earn the $25 bonus, you must
- Complete a coupon and give it to a friend.
- Your friend should sign and present this coupon when opening a personal checking account with a debit card.
- Both parties will receive a $25 deposit between 90 and 120 days of account opening if all requirements are met and your fifth friend earns you $100!
- Program is available to HomeTrust Bank consumer customers only. Referrer’s checking account must be open for at least 90 days to participate.Referral must be a new personal checking customer to the bank and a referral coupon must be presented at account opening. Referred customer must open a new HomeTrust Bank personal checking account and order a debit card at the time of account opening. Referred customer must open the account with money not currently on deposit with HomeTrust Bank.
- All accounts are subject to normal approval process and account opening requirements. Referrer and referred customer accounts will be reviewed for eligibility criteria after 90 days. Bonuses will be provided if both the referrer and the referred customer have a positive balance and a monthly average balance of at least $50. Both parties must meet the requirements stated above to receive their respective bonus.
- The referrer and the referred customer will each receive a $25 deposit between 90 and 120 days after qualified account opening. If the referrer has multiple accounts, the deposit will be made to the referrer’s primary checking account. The fifth referral earns the referrer $100. The referring customer can receive up to $575 (20 referrals) per calendar year.Signers on HomeTrust Bank checking accounts closed within prior three months are ineligible. HomeTrust Bank employees are ineligible to participate as referrer or referee.
- Payments subject to IRS tax reporting requirements. Offer subject to change or termination at any time.
(Expired) HomeTrust Bank $60 Checking Cash Rewards Bonus
HomeTrust Bank $60 Checking Cash Rewards Bonus
HomeTrust Bank is offering a $60 bonus when you open the Everywhere Connect checking account.
- What you’ll get: $60 bonus
- Account Type: Everywhere Connect
- Availability: NC, SC, TN, VA
(Limited time offer)
How To Earn Bonus
HOW TO EARN THE BONUSFINE PRINT
- Open a new Everywhere Connect Checking account
- Deposit at least $50
- A $5 cash reward will be credited to your account on the last day of each monthly statement cycle in which 10 or more signature debit card transaction have posted and settled. Maximum of $60 cash rewards per calendar year.
- A $5 cash reward will be credited to your account on the last day of each monthly statement cycle in which 10 or more signature debit card transaction have posted and settled. Maximum of $60 cash rewards per calendar year. No minimum balance to earn monthly $5 cash reward; however, a $50 minimum opening balance is required. Monthly $5 reward program may be discontinued at any time without notice. Payments subject to IRS tax reporting requirements.
- Fees may be incurred when using the card at non-HomeTrust Bank ATMs and when transactions result in overdraft activity.
- Internet service provider fees may apply.
- Third party standard messaging and data rates may apply. Deposits may not be immediately available for withdrawal.
- Advances are subject to the charges specified in the terms and conditions governing your HELOC.
How To Waive Monthly Fees
- Everywhere Connect: $10 monthly fee, waivable with 10 debit card transactions or 1 recurring direct deposit per monthly statement cycle
- Premier Checking: $15 monthly fee, waivable with an average deposit balance of $10,000 in your Premier Checking account, or an average combined deposit balance of $25,000
- Simple Checking: None
- HTB Business Foundation Checking: Contact CSR for more information
- HTB Business Advance Checking: Contact CSR for more information
- HTB Business Plus Checking: Contact CSR for more information
- Business Analysis Checking: $20 monthly fee
- Business Interest Checking: $12 monthly fee, waivable with $5,000 Monthly Average Collected Balance
- Business Money Market: $10 monthly fee, waivable with $2,500 Monthly Average Collected Balance
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Bottom Line
Lastly, HomeTrust Bank offers a lot of online features to help to manage your finances. Your money is always a click or calls away with online and telephone banking. Additionally, it’s great to know that you will have access to a range of account features! Furthermore, being soft pull, this account won’t hurt your credit!
Additionally, while they have many generous bonuses, HomeTrust Bank doesn’t have great rates for CDs and Savings. Therefore, you may want to check out our full list of Bank Rates and CD Rates.
*Compare HomeTrust Bank Promotions to other bank bonuses from Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!*
*Check back at this page for updated HomeTrust Bank promotions, bonuses, and offers.
I’m in Nashville, TN and was declined online for not being in the footprint. Called the bank seeems its very regionally based promo.
$25 closing fee according to the PDF