Card Services

Debit Cards

  • Debit Cards are used like a credit card
  • Funds come directly out of your checking account
  • Usable at ATM machines for cash, inquiries and transfers
  • Daily limit of $1000 at point of sale
  • Daily limit $500 cash withdrawal.


Applications are available at the bank or by clicking here

Complete and return to: 

Home Trust & Savings Bank

PO Box 150

Osage, Iowa 50461


Visa Credit Card through Home Trust & Savings Bank

  • 0% introductory rate for 6 months on purchases and balance transfers
  • No annual fee.* 
  • Reliable protection
  • Online access
  • Auto rental collision damage waiver 


Applications for the Visa credit card can be picked up at 

Home Trust & Savings Bank

*We may change APRs, fees and other account terms in the future based on your experiences with Elan Financial Services and its affiliates as provided under the Card member Agreement and applicable law. Your 0% introductory APR applies to purchases and balance transfers, and the rate is valid for 6 billing cycles. The introductory rate does not apply to cash advances. After the introductory rate period, you’ll enjoy a low variable APR that is currently 9.99% to 20.99%. We apply your minimum payment to balances with lower APRs first. Amount paid over the minimum payment will be applied in the order of highest to lowest APR balances. Balance transfer fees will apply. See the summary of Visa Account Terms for the full terms of the offer.