Home State Bank

Home State Bank Home State Bank is a family-owned community bank in Minnesota-Willmar, Cosmos, Litchfield, Hutchinson
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Our Specialties
Commercial banking for small and mid-sized businesses, including equipment, operating, commercial real estate, and SBA loans, and a comprehensive suite of cash management services. All the essential personal banking services- including checking and savings accounts, mobile deposit, digital wallet, home loans, home equity lines of credit, car loans, and credit cards.

📸 Got a check? You don't always need to make a trip to the bank.Mobile Deposit allows you to securely deposit eligible c...
06/16/2026

📸 Got a check? You don't always need to make a trip to the bank.

Mobile Deposit allows you to securely deposit eligible checks right from your phone in just a few simple steps.

1️⃣ Endorse your check
2️⃣ Open the Home State Bank app
3️⃣ Snap a photo of the front and back
4️⃣ Submit your deposit

It's a convenient way to save time while keeping your banking at your fingertips.

Whether you're away at college, traveling, or simply busy with your day, Mobile Deposit helps you get your money into your account quickly and securely.

📱 Heading off to college? Your banking should be able to come with you.Whether you're moving into a dorm, settling into ...
06/15/2026

📱 Heading off to college? Your banking should be able to come with you.

Whether you're moving into a dorm, settling into an apartment, or starting life in a new city, Mobile Banking makes it easy to stay connected to your accounts from anywhere.

Check balances, transfer funds, monitor transactions, manage your cards, deposit checks, and keep track of your spending—all from the convenience of your smartphone.

No matter how far you are from home, your accounts are always within reach.

Having quick access to your finances can help you stay on budget, avoid surprises, and confidently manage your money throughout the school year.

Your banking goes wherever you go.

💳 Your debit card may be one of the most-used tools in your wallet—but do you know exactly how it works?When you use you...
06/12/2026

💳 Your debit card may be one of the most-used tools in your wallet—but do you know exactly how it works?

When you use your debit card, money comes directly from your checking account. That means you're spending money you already have, making it a great tool for budgeting and everyday purchases.

Use your debit card for:
✔ Gas and groceries
✔ Online shopping
✔ Dining out
✔ Everyday expenses

Plus, with Home State Bank's digital banking tools, you can easily monitor transactions and manage your card right from your phone.

Learning how to use your debit card responsibly now can help build strong financial habits for the future.

Graduating is exciting—but managing your own money can feel overwhelming at first.One of the best places to start is wit...
06/10/2026

Graduating is exciting—but managing your own money can feel overwhelming at first.

One of the best places to start is with a checking account.

A checking account gives you a safe place to keep your money while making everyday spending simple. Whether you're receiving direct deposits from a summer job, paying bills, using a debit card, or sending money to friends and family, your checking account is the hub of your financial life.

As you begin this next chapter, having the right banking tools can help you stay organized and confident with your finances.

Not sure where to start? Our team is here to help answer your questions and find the account that fits your needs.

Graduation is a huge accomplishment—but it's also the beginning of some important financial decisions.Whether you're hea...
06/09/2026

Graduation is a huge accomplishment—but it's also the beginning of some important financial decisions.

Whether you're heading to college, starting a career, or figuring out your next step, having the right banking tools can make life a little easier.

✔ Checking Account
✔ Debit Card
✔ Mobile Banking
✔ Mobile Deposit
✔ Credit Building Tips

We're here to help you start strong.

Summer is almost here, and so are the projects, purchases, and adventures you've been planning for. ☀️Whether you're thi...
05/29/2026

Summer is almost here, and so are the projects, purchases, and adventures you've been planning for. ☀️

Whether you're thinking about a camper, boat, ATV, home improvement project, or something else entirely, our lending team is here to help you explore your options.

Stop by Home State Bank and let's talk about what's next on your summer to-do list.

✈️ Planning a trip this summer?Before you pack your bags, take a minute to set up a Travel Plan in the HSB Mobile Secure...
05/28/2026

✈️ Planning a trip this summer?

Before you pack your bags, take a minute to set up a Travel Plan in the HSB Mobile Secure App.

By adding your travel destinations and dates, you can help ensure your card is ready to go wherever your adventures take you. Plus, if plans change, you can easily update or remove your travel plan right from the app.

It's just one more way the HSB Mobile Secure App helps make banking more convenient—whether you're close to home or miles away.

Need help getting started? Stop by or give us a call. We're happy to help.

When it comes to lending, relationships matter.At Home State Bank, you'll work with local lenders who take the time to u...
05/28/2026

When it comes to lending, relationships matter.

At Home State Bank, you'll work with local lenders who take the time to understand your goals and help find solutions that fit your unique situation.

Whether you're financing a vehicle, planning a home purchase, growing your business, or investing in your operation, we're here to help every step of the way.

Stop in and meet the team—we'd love to get to know you.

Your debit card security is in your hands. 🔒With card controls through our mobile banking app, you can manage your cards...
05/27/2026

Your debit card security is in your hands. 🔒

With card controls through our mobile banking app, you can manage your cards instantly for added peace of mind.

Download the Home State Bank Mobile Banking App now in the App Store!

🚨 Scam calls and texts are becoming more convincing than ever.Did you know scammers can "spoof" phone numbers, making it...
05/27/2026

🚨 Scam calls and texts are becoming more convincing than ever.

Did you know scammers can "spoof" phone numbers, making it appear as though a call or text is coming from your bank—even when it isn't?

If you receive a call, text, or email asking for sensitive information, account details, passwords, security codes, or immediate action, take a moment to verify before responding.

A good rule of thumb:
✅ Hang up
✅ Find your bank's phone number from a trusted source
✅ Call the bank directly to confirm whether the communication was legitimate

Remember, scammers often create a sense of urgency to pressure you into acting quickly. Taking a few extra minutes to verify could protect your accounts and personal information.

If you're ever unsure, contact Home State Bank directly. We're always happy to help you determine what's legitimate and what's not.

Address

1435 U.S. 12
Litchfield, MN
55355

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

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