INTRUST Bank
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.
- Company typePrivate
- Founded1876
- HeadquartersWichita, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
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.
INTRUST Bank firmographics
Firmographics- 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
INTRUST Bank industry classification
Industry- 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
Where INTRUST Bank is headquartered
LocationHeadquarters
- HQ city
- Wichita
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
INTRUST Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans, mortgages, and credit products.
- Banking Fees and Service Charges: Fees from checking accounts, overdraft services (Bounce Blocker), wire transfers, and other banking services.
- Credit Card Revenue: Revenue sharing arrangement with Elan Financial Services for credit card issuance and processing.
- Overdraft Fees: $25 per-item overdraft fee with maximum of 5 per day when Bounce Blocker service is used.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free Checking - No monthly service charge with $25 minimum deposit to open |
| Transaction based/ take rate | Pay-as-you-go | Overdraft Protection Service - Transfers from linked accounts |
| Transaction based/ take rate | Pay-as-you-go | Bounce Blocker - Discretionary overdraft service |
| Subscription | Monthly | Debit Card - Free with any checking account |
| Transaction based/ take rate | Monthly | Credit Cards - Issued by Elan Financial Services |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
INTRUST Bank product offering
Product offeringCore 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
Companies that use INTRUST Bank
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
INTRUST Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature5 records
INTRUST Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- AllpointcoreATM 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)coreP2P 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 ServicescoreCredit 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.
- VisacoreCard 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
INTRUST Bank competitors and assessment
Company assessmentBroad 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
INTRUST Bank social profiles
Digital presenceINTRUST Bank compliance and trust
Trust signalCompliance2 records
INTRUST Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
INTRUST Bank leadership team
Management profileNumber of profiles
INTRUST Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
INTRUST Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about INTRUST Bank
What does INTRUST Bank do?
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.
Is INTRUST Bank a public or private company?
INTRUST Bank is a private company. It is classified as unknown and is currently operating.
When was INTRUST Bank founded?
INTRUST Bank was founded in 1876. It employs 501 to 1,000 people.
Where is INTRUST Bank based?
INTRUST Bank is headquartered in Wichita, United States, in the North America region.
How does INTRUST Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Service Charges, credit Card Revenue and overdraft Fees.
Who are INTRUST Bank's main competitors?
Broad incumbents on record are Cullen/Frost Bankers and BOK Financial. Direct peers are UMB Financial Corporation, Glacier Bancorp, Emprise Bank, Arvest Bank, First Interstate BancSystem, Commerce Bancshares and Equity Bank. Bank of America is listed as an others.
Does INTRUST Bank have an API?
No public API is recorded for INTRUST Bank.
What industry is INTRUST Bank in?
INTRUST Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks), with a secondary code of FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards). Its NAICS code is 5221 and its SIC code is 6021.