CorTrust Bank — Login, Credit Card, Locations & Full Guide

CorTrust Bank operates as a respected Midwestern community banking institution headquartered in Mitchell, South Dakota, serving over 30,000 customers across South Dakota and Minnesota with 18+ banking centers and a focus on personalized service, competitive loan products, and innovative digital banking solutions. Founded with roots in agricultural lending and community banking values, CorTrust Bank combines traditional relationship banking with modern technology—offering personal and business checking, savings accounts, competitive CD rates (0.75% APY on 30-month terms), CorPlatinum and other rewards credit cards, mortgage lending, and robust digital banking through their 3.9-star CorTrust Mobiliti app enabling mobile check deposit, bill pay, and account management from anywhere. Whether you’re searching for CorTrust Bank login instructions, trying to access your CorTrust Bank credit card login portal, locating the Sioux Falls branch headquarters, understanding CD rates and Zelle availability, or exploring whether CorTrust has a SWIFT code for international transfers, this comprehensive guide covers everything you need to know about CorTrust Bank services, digital banking, credit products, and 2025 banking information.​

What You’ll Discover: This authoritative guide explains CorTrust Bank from every angle — the bank’s history and community banking philosophy, complete branch network with specific focus on flagship Sioux Falls location (2101 S Minnesota Ave, serving 9-5 weekday hours), step-by-step online banking and mobile app login guide with security features and password reset instructions, comprehensive CorTrust Bank credit card overview including CorPlatinum Visa rewards card features (1% cash back, travel benefits, purchase protection), CD rates breakdown (0.75% APY on 30-month terms, 91 days to 5 years available), whether CorTrust offers Zelle person-to-person payments, SWIFT code availability for international transfers, mobile banking through CorTrust Mobiliti app (3.9-star rating, 10,000+ downloads), business banking solutions through dedicated CorTrust Bank for Business app, FDIC insurance protection, comprehensive customer reviews highlighting both strengths and limitations, detailed comparison with regional competitors, and frequently asked questions addressing credit card cancellation, password changes, CD rates, Zelle availability, and SWIFT code information. Whether you’re a current CorTrust customer needing login help, someone evaluating community banks in South Dakota/Minnesota, or exploring CorTrust credit card options, this guide provides authoritative information about banking with CorTrust Bank.​

What Is CorTrust Bank? (History, Overview & Community Banking Philosophy)

CorTrust Bank is a South Dakota-based community bank headquartered in Mitchell, operating 18+ branch offices across South Dakota and Minnesota, specializing in personal and business banking, agricultural lending, mortgage products, and digital banking services with FDIC insurance and over $2.5 billion in total assets.​

Founding & Evolution

CorTrust Bank was established with deep roots in agricultural and community banking, reflecting the values of personal service, honest lending, and community commitment that distinguish regional banks from corporate chains. Over its operating history, the bank has grown from its original Mitchell base to establish a multi-state presence while maintaining its community banking philosophy.​

Current Financial Profile (2025)

Headquarters: 100 E Havens Ave, Mitchell, South Dakota 57301​

Key Metrics:

• Total Assets: $2.5+ billion
• Total Deposits: $2.2+ billion
• Branches: 18+ banking centers (South Dakota and Minnesota)
• Employees: 300+ banking professionals
• Primary Phone: (605) 995-1101 or (605) 995-7997 (Business Banking)​
• Website: www.cortrustbank.com[4]

FDIC Insurance Status

CorTrust Bank maintains FDIC insurance protecting deposits up to $250,000 per depositor, per account category:​

• Member FDIC: Deposits insured against bank failure
• Coverage: Checking, savings, CDs, money market accounts
• Automatic Protection: No enrollment required​

Community Banking Philosophy

CorTrust Bank operates on principles distinguishing community banks from corporate giants:​

• Relationship Banking: Long-term customer relationships, not transactional banking
• Local Decision-Making: Lending decisions made by local bankers understanding community needs
• Personalized Service: Banking professionals who know customers by name
• Community Investment: Active support for local organizations and development
• Agricultural Heritage: Deep expertise in farm and agribusiness lending
• Modern Technology: Digital banking convenience combined with personal service​

CorTrust Bank Locations & Branch Highlights

CorTrust Bank operates 18+ banking centers strategically located throughout South Dakota and Minnesota to serve rural, suburban, and growing communities.​

CorTrust Bank Sioux Falls (Primary Market)

Sioux Falls serves as CorTrust Bank’s largest market with the main South Dakota office location:

Main Sioux Falls Branch

Detail	Information
Address	2101 S Minnesota Ave, Sioux Falls, SD 57105
Phone	(605) 335-1400
Hours	Monday-Friday 9:00 AM – 5:00 PM
Services	Personal & business banking, mortgages, lending, deposit products
Rating	2.3 out of 5 stars (based on historical reviews)
ATM Access	24/7 availability, branch ATMs plus network access

The Sioux Falls location serves as CorTrust’s flagship South Dakota office, providing comprehensive banking services to South Dakota’s largest metropolitan area.​

Sioux Falls Market Significance

Sioux Falls’ importance to CorTrust reflects the bank’s commitment to South Dakota’s largest city:

• Access to business lending for growing Sioux Falls companies
• Consumer banking for 190,000+ metropolitan area residents
• Commercial real estate and construction lending
• Agricultural connections (cattle, grain, farm operations)​

Additional CorTrust Bank Locations

Beyond Sioux Falls, CorTrust maintains offices in:​

South Dakota:

• Mitchell (headquarters location)
• Aberdeen
• Watertown
• Yankton
• Pierre
• Brookings
• And additional South Dakota communities

Minnesota:

• Multiple branches serving Minnesota border communities
• Regional extension of South Dakota banking services

Branch Locator Service

Visit www.cortrustbank.com to use the branch locator tool for:​

• Complete branch addresses and phone numbers
• Hours of operation for each location
• Services available at specific branches
• ATM network locations
• Directions and GPS information

CorTrust Bank Login — Online & Mobile Banking Guide

CorTrust Bank provides comprehensive digital banking through website and mobile platforms, enabling 24/7 account management.​

How to Log Into CorTrust Bank Online Banking (Website)

Step-by-Step Login Instructions

Step 1: Visit CorTrust Website

Go to www.cortrustbank.com and navigate to “Digital Banking” or “Online Banking” section.​

Step 2: Select Personal or Business Online Banking

Choose appropriate login based on account type (personal vs. business).​

Step 3: Enter Login Credentials

• Username: Your unique online banking username
• Password: Your secure password (exactly 9 digits, according to user reviews)​

Step 4: Complete Authentication

Click “Sign In” and complete any security verification prompts.​

First-Time Enrollment

If you’re new to CorTrust online banking:​

1. Click “Enroll for Online Banking”
2. Provide account information and personal details
3. Create username and password
4. Verify identity through security questions or email verification
5. Set up security preferences
6. Access your accounts​

Password Requirements & Security

CorTrust’s password policy includes specific requirements:​

• Exactly 9 characters: This unusual requirement differs from other banks
• Mix of characters: Uppercase, lowercase, numbers, special characters
• Cannot reuse: Previous passwords cannot be reused
• Complexity: Designed for security, though sometimes challenging for users​

Common Login Issues & Fixes

Problem	Solution
Locked Account (Too Many Failed Attempts)	Account locks until next business day; call customer service to unlock
Forgot Password	Use “Forgot Password?” link; verify identity through security questions
Forgot Username	Call customer service: (605) 995-1101 for personal or (605) 995-7997 for business
9-Digit Password Error	Remember: CorTrust requires EXACTLY 9-character passwords
Can’t Enroll	Verify account information matches records; ensure you have an active CorTrust account
Enrollment Confirmation Not Received	Check spam folder; request new confirmation; verify email address on file

For technical support, call CorTrust customer service during business hours.​

Password Reset Instructions (FAQ Answer)

If you need to change your CorTrust Bank password:​

1. Access Password Change Portal:
   • Log into online banking
   • Navigate to “Settings” or “Security”
   • Select “Change Password”
2. Enter Current Password:
   • Type your existing password
   • Click “Verify”
3. Create New Password:
   • Must be exactly 9 characters
   • Include uppercase, lowercase, numbers, special characters
   • Cannot reuse recent passwords
4. Confirm New Password:
   • Re-enter new password to verify
   • Click “Update”
5. Confirmation:
   • Receive confirmation message
   • Log out and log back in with new password​

CorTrust Mobiliti App — Mobile Banking

Mobile App Details

App Name: CorTrust Mobiliti
Developer: CorTrust Bank
Rating: 3.9 out of 5 stars (543 reviews on Google Play)​
Downloads: 10,000+ on Android​
Availability: iOS (Apple App Store) and Android (Google Play Store)​

Key Mobile Features

Account Management:

• Check account balances in real-time
• View transaction history (searchable)
• Access account statements​

Money Movement:

• Transfer money between CorTrust accounts
• Pay bills to any company or person
• Mobile check deposit (photograph checks)
• Pop Money transfers to other CorTrust customers
• Receive account alerts and notifications​

Card Management:

• Manage debit and credit cards
• View recent transactions
• Report lost/stolen cards

Convenience Tools:

• Find ATM and branch locations with GPS
• Review account alerts
• Send secure messages to CorTrust​

Mobile App User Experience

Users note both strengths and areas for improvement:​

Positive:

• “Convenient for checking balances on-the-go”
• “Mobile check deposit works well”
• “Easy navigation between accounts”

Areas for Improvement:

• Some reviews mention “unreliable” performance
• Occasional crashes or technical issues
• Feature limitations compared to larger bank apps​

How to Enroll for Mobile Banking

1. Visit www.cortrustbank.com/online-banking or contact any CorTrust branch
2. Enroll in online banking (if not already done)
3. Download “CorTrust Mobiliti” from Apple App Store or Google Play
4. Sign in using your online banking username and password
5. Accept app permissions and terms
6. Set up biometric login (if supported on your device)​

CorTrust Bank Credit Card Overview

CorTrust Bank offers several credit card options serving different customer needs and financial goals.​

CorTrust Bank Credit Card Login

Where to Access Credit Card Account

Option 1: Online Portal

1. Visit www.cortrustbank.com
2. Navigate to “Credit Cards” or “Credit Card Login”
3. Enter cardholder username/password
4. Access account dashboard​

Option 2: Mobile App

1. Open CorTrust Mobiliti app
2. Sign in with online banking credentials
3. Select credit card from account list
4. View balance and recent transactions​

Credit Card Account Dashboard Features

Once logged in, you can:​

• View current balance and credit limit
• Track available credit
• Access recent transactions and statements
• Set up payment reminders
• Make payments from your CorTrust checking/savings
• Update account preferences
• Review rewards or cash-back balance​

CorTrust Bank Credit Card Features & Benefits

CorPlatinum Visa® Card

CorTrust’s primary rewards credit card offering:​

Feature	Details
Rewards Program	1% cash-back on all purchases
Foreign Transaction Fee	1% (charge on international purchases)
APR Structure	Variable purchase APR (based on prime rate)
Grace Period	25 days until interest accrues on purchases
Balance Computation	Average daily balance including new purchases
Minimum Finance Charge	$1.50 to avoid additional fees
Travel Benefits	Automobile rental insurance, baggage delay, travel emergency services
Purchase Protection	Return Protection, Purchase Security, Extended Warranty coverage
Card Features	Contactless payments, chip card, mobile wallet integration
ATM Networks	Full ATM access through CorTrust network

Card Benefits Breakdown

1% Cash Back Rewards:

• Earn on all everyday purchases
• Accumulate points toward rewards
• Redeem for gift cards or merchandise​

Travel & Lifestyle Protection:

• Roadside assistance included
• ID Navigator by NortonLifeLock (identity theft protection)
• Travel accident insurance
• Emergency services support​

Card Features:

• Contactless payments (tap-to-pay)
• Chip card fraud protection
• Mobile wallet support (Apple Pay, Google Pay, Samsung Pay)​

How to Cancel CorTrust Bank Credit Card

If you need to close your CorTrust credit card account:​

Method 1: By Phone

1. Call customer service: (605) 995-1101
2. Inform representative you want to cancel
3. Verify account information
4. Ask about outstanding balance
5. Request confirmation of cancellation
6. Request written confirmation letter
7. Confirm final billing date​

Method 2: At Branch

1. Visit your nearest CorTrust branch
2. Speak with bank representative
3. Provide card and identification
4. Complete cancellation paperwork
5. Receive confirmation​

Before Canceling:

✅ Pay off existing balance
✅ Set up autopay for remaining statement balance if needed
✅ Update any recurring charges (subscriptions, etc.) to different card
✅ Request written confirmation of cancellation
✅ Destroy card after cancellation is confirmed

Does CorTrust Bank Have Zelle? (FAQ Answer)

Based on available information, CorTrust Bank’s Zelle availability should be confirmed directly with the bank, as integration status varies by institution and may have changed since last review. To verify Zelle availability at CorTrust Bank:​

1. Call customer service: (605) 995-1101
2. Visit a branch: Ask banking representative about Zelle integration
3. Check online: Visit www.cortrustbank.com/zelle or search “Zelle” in online banking
4. Alternative: Check Zelle’s bank finder at enroll.zellepay.com and search for CorTrust Bank​

If Zelle Is Available:

• You can send/receive money using email or phone number
• Transfers typically complete within minutes
• Free for personal use
• Accessible through online banking and mobile app
• Daily and monthly limits typically apply ($2,000 daily, $10,000 monthly typical)​

If Zelle Isn’t Available:

CorTrust offers alternative money transfer options:

• Pop Money: Transfer between CorTrust customers (mentioned in mobile app)
• Bill Pay: Pay individuals or companies
• ACH Transfers: Send funds to other banks
• Mobile Transfer Apps: Third-party apps like Venmo, PayPal​

CD Rates & Savings Products — How Much Is CorTrust Paying for CDs? (FAQ Answer)

CorTrust Bank offers competitive CD rates with various term options:​

CorTrust Bank CD Rates (2025 Estimates)

Term	APY	Minimum Deposit	Special Features
91 Days	Contact bank	$500-$1,000	Short-term option
8 Months (Special)	Competitive rate	$500+	For Preferred/Premium Checking
30 Months	0.75%	$10,000	Available in Minnesota​
1-5 Years	Varies	$500-$25,000	Multiple term options​

CorTrust CD Example Calculation

Based on 30-month CD at 0.75% APY ($20,000 deposit):​

After 10 years: $21,552
Interest earned: $1,552
(After-tax estimate: $1,086 on 30% tax rate)​

CD Features & Policies

Standard CD Features:

• Fixed APY for entire term
• No early withdrawal option mentioned (confirm penalty with bank)
• Competitive rates vs. national average
• FDIC insurance on all amounts up to $250,000​

Special CD Options:

• CorTrust offers “special rate CDs” with 8-month terms
• Higher rates available for Preferred/Premium Checking customers
• Promotional CD rates may be advertised seasonally​

Renewal Options:

• Automatic renewal at maturity (confirm with statement terms)
• Grace period for withdrawal before renewal (typically 7-10 days)
• Contact bank for renewal rate before maturity date​

How to Open a CD:

1. Visit nearest CorTrust branch or visit www.cortrustbank.com
2. Choose CD term matching your financial goal
3. Confirm current APY rate
4. Provide initial deposit ($500-$25,000 depending on type)
5. Complete CD agreement paperwork
6. Receive CD maturity date and terms​

Current Rate Comparison (South Dakota Banks)

Bank	Best CD Rate	Term	Minimum
CorTrust Bank	0.75% APY	30-month	$10,000
First Premier Bank	Competitive	7-month special	$500
First Bank & Trust	Among highest	12-month	$500-$1,000
Online Banks (Average)	4.00%+ APY	1-year	$500+

CorTrust’s CD rates are competitive for regional banks but lower than online-only institutions offering 4.00%+ APY.​

Does CorTrust Bank Have a SWIFT Code? (FAQ Answer)

A SWIFT code is an 8-11 character international bank identifier used for wire transfers between banks across different countries.​

CorTrust Bank SWIFT Code Availability

Based on available information, CorTrust Bank may have a SWIFT code for international transfers. To locate CorTrust’s SWIFT code:​

Method 1: Contact CorTrust Directly

Call customer service: (605) 995-1101
Ask for: “CorTrust Bank SWIFT code for international wires”
They can provide the correct code for your international transfer​

Method 2: Online Search

Visit SWIFT code finder websites and search:

• Bank Name: CorTrust Bank National Association
• Location: Mitchell, South Dakota or Sioux Falls, South Dakota
• Routing Number: 091408899 (may help with lookup)​

Method 3: Call or Visit Branch

Stop at your nearest CorTrust branch and ask banking representative for SWIFT code.​

International Wire Transfer Alternatives

If SWIFT code isn’t available or for faster international transfers, consider:

• ACH International: Some banks offer ACH-based international transfers (slower but cheaper)
• Third-Party Services: Companies like Wise (formerly TransferWise) often offer better rates than banks
• Wire Transfer Details: Ask CorTrust for complete wire instructions including intermediary banks if needed​

Typical CorTrust International Wire Fee

• Outgoing wire: $25-35 (confirm with bank)
• Incoming wire: $10-15 (confirm with bank)
• SWIFT charges: May be included or separate​

Pros & Cons of Banking With CorTrust Bank

Pros: Reasons to Choose CorTrust Bank

✅ Community Banking Relationship

Personalized service with local bankers understanding South Dakota and Minnesota communities.​

✅ Competitive CD Rates

0.75% APY on 30-month CDs competitive with regional banks.​

✅ Strong Credit Card Rewards

CorPlatinum Visa offers 1% cash-back plus travel benefits on all purchases.​

✅ Convenient Digital Banking

CorTrust Mobiliti app (3.9 stars) provides 24/7 account access with mobile check deposit.​

✅ FDIC Insurance

All deposits protected up to $250,000 per account category.​

✅ Diverse Product Suite

Personal/business banking, mortgages, agricultural lending, investment services.​

✅ Mobile Business Banking

Dedicated CorTrust Bank for Business app for commercial customers.​

✅ Agricultural Expertise

Deep knowledge of farm loans, equipment financing, and agribusiness lending.​

Cons: Limitations of CorTrust Bank

❌ Limited Geographic Presence

Only South Dakota and Minnesota (not suitable for multi-state banking).​

❌ Smaller ATM Network

18 branches + network partnerships, but fewer than national banks.​

❌ Unusual Password Requirement

Exactly 9-character passwords (not typical for banks) can be restrictive.​

❌ Mixed Mobile App Reviews

3.9-star rating reflects some users finding app “unreliable” or limited in features.​

❌ CD Rates Lower Than Online Banks

0.75% vs. 4.00%+ APY at online-only institutions.​

❌ Limited Credit Card Options

Fewer card varieties compared to larger banking competitors.​

❌ Branch Hour Limitations

Traditional hours (9 AM – 5 PM weekdays) with limited weekend access.​

Who Is CorTrust Bank Best For?

Ideal CorTrust Bank Customers

✅ South Dakota/Minnesota Residents
Community banking relationship in home state​

✅ Small Business Owners
Agricultural lending expertise and business banking services​

✅ Farm Operations
Specialized agribusiness lending and financial management​

✅ Credit Card Rewards Seekers
1% cash-back CorPlatinum Visa card for everyday purchases​

✅ Digital Banking Users
CorTrust Mobiliti for convenient account management​

✅ Conservative Savers
Community bank stability vs. corporate banking​

✅ Mortgage Borrowers
Local lending with community decision-making​

Who Should Consider Alternatives

❌ Multi-state customers needing nationwide banking
❌ Rate-focused savers wanting 4.00%+ CD APY
❌ Digital-first users wanting advanced fintech features
❌ Those outside South Dakota/Minnesota
❌ Customers preferring 24/7 branch access​

Frequently Asked Questions — CorTrust Bank

Pros & Cons Summary Table

Aspect	CorTrust Bank	Regional Average	Online Banks
Community Service	Excellent	Good	Limited
CD APY	0.75% (30-mo)	0.80%	4.00%+
Credit Card Rewards	1% cash-back	Varies	1-2%
Mobile App Rating	3.9 stars	3.8 stars	4.2+ stars
Branch Locations	18+ (SD/MN)	Varies	0 (online only)
FDIC Insurance	Yes	Yes	Yes
Business Banking	Strong	Good	Limited
Agricultural Lending	Specialty	Available	Limited
Password Requirement	9 characters (unusual)	8+ characters	8-12 characters

Final Verdict — Is CorTrust Bank a Good Bank?

CorTrust Bank represents an excellent banking choice for South Dakota and Minnesota residents who value personalized community banking relationships, competitive credit card rewards, and local lending expertise over nationwide branch networks and maximum savings rates.​

Key Strengths:

✅ Community Banking: Personalized service and local decision-making​
✅ Credit Card Rewards: 1% cash-back CorPlatinum Visa with travel benefits​
✅ Agricultural Specialization: Deep expertise in farm and agribusiness lending​
✅ Digital Banking: 3.9-star CorTrust Mobiliti app with mobile check deposit​
✅ Business Banking: Dedicated apps for personal and business customers​
✅ CD Products: Competitive rates on various term options​
✅ FDIC Insurance: Full protection up to $250,000​

Key Limitations:

❌ Geographic Constraints: Only South Dakota and Minnesota
❌ CD Rates: 0.75% vs. 4.00%+ at online banks​
❌ ATM Network: Limited to 18 branches + partnerships
❌ Password Complexity: Unusual 9-character requirement
❌ Mobile App: 3.9 stars reflects some reliability issues​
❌ Limited Credit Card Options: Fewer varieties than major competitors
❌ Weekend Banking: Limited Saturday/Sunday availability​

Who Should Bank With CorTrust Bank

✅ South Dakota and Minnesota residents
✅ Small business and farm owners
✅ Credit card rewards seekers
✅ Customers valuing local banking relationships
✅ Agricultural customers
✅ Conservative savers seeking community bank stability​

Who Should Consider Alternatives

❌ Multi-state customers
❌ Rate-focused CD savers (online banks offer 4.00%+)
❌ Digital-first users wanting advanced features
❌ Customers outside CorTrust’s service region
❌ Those needing 24/7 in-person support​

2025 Recommendation

For everyday banking in South Dakota or Minnesota, CorTrust Bank provides excellent community-focused service with solid credit card rewards, reliable digital banking, and strong agricultural lending.​

However, supplement your CorTrust checking with an online high-yield savings account (Ally, Marcus, Capital One 360) earning 4.00%+ APY for emergency funds and CD funds. This hybrid approach maximizes your returns while maintaining the personalized service CorTrust provides.

Ready to Bank With CorTrust Bank?

Visit www.cortrustbank.com to find your nearest branch (Sioux Falls, Mitchell, Aberdeen, or 15+ additional South Dakota/Minnesota locations), view hours, and explore account options. Call (605) 995-1101 for personal banking or (605) 995-7997 for business banking.​

Download CorTrust Mobiliti from Apple App Store or Google Play for on-the-go account management. Before opening an account, compare CorTrust’s rates and services with online banks to ensure the bank aligns with your financial goals and banking preferences.