INTRUST Bank

What INTRUST Bank does

INTRUST Bank is a privately held, independently operated community bank headquartered in Wichita, Kansas, founded in 1876 and recognized as the largest independent bank in the state. It serves individual consumers, small and mid-sized businesses, agribusiness clients, and high-net-worth households through a hybrid model that combines a Kansas branch network with digital and mobile banking channels.

The product platform spans deposit products (checking tiers, savings, money market, CDs, IRAs), consumer and commercial lending (auto, home equity, mortgage, unsecured, commercial, real estate, agribusiness), credit cards issued under a Visa license by Elan Financial Services, wealth management, and treasury management. The technology stack centers on an Online and Mobile Banking platform (rated 4.8/5 on the App Store with 8.1K ratings), a Treasury Online platform with dual-approval ACH/wire workflows and Positive Pay fraud protection, and a mobile app supporting Zelle P2P, mobile check deposit, card controls, and real-time alerts. Core digital capabilities are delivered through partner ecosystems (Visa, Elan, Zelle, Allpoint, Apple Pay, Samsung Pay, Google Pay) rather than fully in-house builds.

INTRUST generates revenue through net interest income on loans and deposits, transaction-based banking fees (including a $25 per-item overdraft fee capped at 5 per day under its Bounce Blocker service), and a revenue share on credit cards issued by Elan. Distribution is primarily direct-to-consumer through Kansas banking centers plus self-serve digital and phone channels, with extended ATM reach via the Allpoint network (55,000+ surcharge-free ATMs). The bank holds an FDIC-insured national bank charter and reported 501–1,000 employees in the input data, with no disclosed parent, institutional ownership, funding rounds, M&A, or regulatory actions.

Name

INTRUST Bank

Legal name

INTRUST Bank N.A.

Website

https://intrustbank.com

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

501–1,000 employees

Short description

INTRUST Bank is a privately held community bank headquartered in Wichita, Kansas, founded in 1876 and the largest independent bank in the state. It provides consumer, small/mid-sized business, agribusiness, and wealth management banking through branches and a digital platform.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industry

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)

Keywords

• Community banking services
• Commercial lending
• Wealth management
• Mobile banking
• Treasury management

Headquarters

HQ city

Wichita

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans, mortgages, and credit products.
2. Banking Fees and Service Charges: Fees from checking accounts, overdraft services (Bounce Blocker), wire transfers, and other banking services.
3. Credit Card Revenue: Revenue sharing arrangement with Elan Financial Services for credit card issuance and processing.
4. Overdraft Fees: $25 per-item overdraft fee with maximum of 5 per day when Bounce Blocker service is used.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

INTRUST Bank is a privately held regional community bank founded in 1876 and headquartered in Wichita, Kansas, providing personal and business banking products and services. Offerings include checking, savings, money market, CDs, IRAs, auto loans, home equity loans/lines, mortgages, credit cards, wealth management, business checking, commercial and agribusiness lending, and treasury management services, delivered through banking centers, online and mobile banking platforms, and the Allpoint ATM network.

Product overview

INTRUST Bank offers a comprehensive banking platform serving both personal and business customers through a unified digital banking experience. The core platform consists of Online and Mobile Banking providing 24/7 account access, supplemented by a full range of deposit products (checking, savings, money market, CDs, IRAs), lending solutions (auto, home equity, mortgage, personal, and business loans), and wealth management services. Treasury Management services including Treasury Online serve business customers with cash management, fraud protection tools (ACH and Check Positive Pay), and dual-approval workflows. The bank also provides mobile-specific features including Card Management, Mobile Check Deposit, Bill Pay, and Zelle P2P payments integrated directly into its digital banking platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Checking
• Safeguard Spending
• Money Market Account
• Regular Savings
• Certificate of Deposit
• IRAs
• Auto Loans
• Home Equity Loans
• Home Equity Line of Credit
• Mortgage Loans
• Credit Cards
• Wealth Management
• Business Checking
• Business Lending
• Treasury Management
• INTRUST Online and Mobile Banking
• Foreign Currency Exchange

Quantifiable outcome

• 150 years of continuous operation since 1876
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• AllpointcoreTechnology or IntegrationATM network partnership providing INTRUST customers surcharge-free access to 55,000+ ATMs nationwide including locations at Target, Costco, CVS, and Walgreens. Also available internationally in Canada, Mexico, and United Kingdom.
• Zelle (Early Warning Services, LLC)coreTechnology or IntegrationP2P payment integration enabling customers to send and receive money directly from their INTRUST accounts. Zelle is owned by Early Warning Services, LLC with over 100 million enrolled users.
• Elan Financial ServicescoreOEM/ Whitelabel/ Licensing PartnerCredit card issuer and servicer for INTRUST branded credit cards (both personal and business) pursuant to Visa license. Elan provides card processing, fraud protection, and customer service for cardholders.
• VisacoreTechnology or IntegrationCard network partnership enabling debit and credit card transactions globally. Provides Zero Liability policy for fraud protection and Verified by Visa security for online transactions.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Cullen/Frost Bankers: Texas-headquartered super-regional bank holding company with consumer, commercial, and wealth management across the Southwest. Larger and broader than INTRUST, but operates a similar relationship-driven full-service community banking model.
• BOK Financial: Tulsa-based bank holding company with commercial, consumer, energy, and wealth services across multiple states. Larger and more diversified than INTRUST but comparable in serving Midwest/Plains markets with similar business banking and treasury management products.

Direct peers

• UMB Financial Corporation: Kansas City-based bank holding company with commercial, consumer, and wealth management banking across the Midwest. Larger than INTRUST but operates a closely comparable full-service community/regional banking model in adjacent geography.
• Glacier Bancorp: Bank holding company operating community banks across the Western United States. Comparable community-bank model with consumer deposits, commercial lending, and agribusiness exposure, though at somewhat greater scale and geographic dispersion than INTRUST.
• Emprise Bank: Wichita, Kansas-based community bank offering consumer, business, and agribusiness banking. Highly comparable to INTRUST in geography, scale, and product set, competing directly for the same Wichita customer base.
• Arvest Bank: Privately held community bank operating across Arkansas, Oklahoma, and Missouri with consumer, commercial, mortgage, and treasury services. Comparable privately held full-service regional banking model with similar Midwest/South Central geographic orientation.
• First Interstate BancSystem: Community-focused regional bank headquartered in Montana, operating across the Mountain West and Midwest. Comparable privately held community banking model with similar consumer/commercial mix and agribusiness exposure.
• Commerce Bancshares: Kansas City-headquartered super-regional bank offering consumer, commercial, and wealth services with a strong Midwest footprint. Comparable business model to INTRUST with greater scale and same regional orientation.
• Equity Bank: Community bank headquartered in Wichita, Kansas, offering consumer and commercial banking, agribusiness lending, and treasury management—directly comparable to INTRUST's footprint and product mix in the same primary market.

Others

• Bank of America: National bank providing consumer deposits, mortgages, credit cards, and treasury management with embedded Zelle, mobile wallet, and large ATM network. Not a direct competitor in INTRUST's Kansas heartland but competes for any customer with national footprint needs and sets the bar for digital banking expectations.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/intrustbank
• Facebookfacebook.com/intrustbank
• LinkedInlinkedin.com/company/intrust-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about INTRUST Bank