CorTrust Bank is a fourth-generation family-owned community bank serving the needs of individuals and businesses throughout South Dakota and Minnesota. And with a history that spans over 90 years, they do not intend to slow down. With CorTrust Bank, you can expect a bit of tradition, mixed with innovative solutions that go above and... show more
CorTrust Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/09/2025.
2.4
239 reviews
from WalletHub and across the web
239 reviews from WalletHub and across the web
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CorTrust Bank
Amy Lynne @Educated
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1 Star Rating
One of the worst credit cards to have now. It constantly freezes my transactions as fraud when they are legit and keeps you on the line forever to question you, no matter how small the amount. The biggest issue is they limit you on how many payments you can make within a month. So don't make any extra payments because when your bill is due, they will block you from making the payment both online and over the phone, because you already made some sort of payment. You can, however, make a payment with a rep for a fee. I canceled my card immediately. To make it clear, they block you from making more than one payment and then force you to pay a fee to make your payment over the phone if your due date falls before the time frame they unblock your payments. I was told we were notified of these changes in March 2025. Make sure you read all those pages every month when you make a payment! No thank you. What's in my wallet? Not Cortrust anymore.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Toni Curry Gregory @toniprice1964
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5 Star Rating
Verified Customer
CorTrust is one of the first cards that gave me credit on my journey to building my credit. I am thankful for them giving me a chance.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Christopher Swenson @apocalyptic
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1 Star Rating
They continually shut off my automatic payments, causing me to fall behind. I have seven credit cards and a debit card and experience zero problems with any of the other accounts. So, I set up auto-pay by phone with a representative again and this time closed the account, so I only owe the balance and any additional fees they impose. Nonetheless, they turned off my auto-pay again and claim I'm the one doing it. That's a falsehood. For the last three months, after setting it up by phone for the third or fourth time, Cortrust is once more telling me I'm two months behind. I'm so over it; I'm debating whether to just accept the hit to my credit score. I'm tired of dealing with this institution.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Michael Martino @nycity823
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1 Star Rating
Verified Customer
Paid collection agency, even though this is not my debt, in Nov 2021. It's still on my report March 2024. I'm not paying anymore, as I did not make this charge.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Bridget @bbarr220
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1 Star Rating
Verified Customer
Hard to pay the bill and reports inaccurate information. It is tan by two apps. Cannot set up reoccurring payments and it is hard to monitor until they are calling you
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Ken Lee @whystress1977
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1 Star Rating
The customer service is absolutely disgusting! I was on hold long pey of time. I had a payment ran that was unauthorized. I'm closing this account, I would not recommend ever.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
DeAdra Walker @Customer215
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1 Star Rating
I had a horrendous experience after years with this card that honestly prompted me to close the account completely.
I'd spotted activity on the card that wasn't mine and reached out to customer service. Customer service then sent me to another number who told me that I was misdirected. I was sent back to customer service. Customer service told me they'd send out a new card. They charged me $20 for the card. I asked why I was being charged when I didn't lose my card... there was fraud detected... They removed the fee. I received my new card and went to activate it. I was told that that card had been canceled and a new replacement had been sent. I didn't ask for that 2nd replacement. I was told that that replacement was sent early in the month and was clearly lost at this point so they could send another replacement, but that would take 10 business days. I said absolutely not- I didn't ask for the 2nd replacement and asked how I could get it sooner. They told me that I would need to pay to have it rushed.
So in short, I found fraudulent activity. I alerted my credit card company. They made a mistake. They then expected me to pay to remedy it on my terms.
I closed the account. The run around and the headache wasn't worth it and the lack of customer service was deplorable. Save your time and money and venture elsewhere.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
shaglavia_johnson @shaglavia_johnson
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1 Star Rating
This card is not good especially far as giving credit increase, I have been with them almost 2 yrs, never late, I love capital one, credit one number 1 I’m going to pay them off and close this car doesn’t help your credit not one bit, so don’t wast your time
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Erica Rae Rodriguez @ericaraedickersonrodriguez
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1 Star Rating
Verified Customer
This is a rip off the interest is so high I have to do alot of let's just say things to be able to make my payments things I haven't done in a whole but looks like I'm back on my back
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Christie Marinaro @ChristieMarinar
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1 Star Rating
I got approved for this card. Did not get the card until after the first payment was due. Did not activate card at all. The company will not take off late for for card I did not even know I was approved for when payment was due. I closed the account, but am still responsible for the $75 yearly fee and $30 late fee. This is a crappy company. Do not even bother. Now credit I have been working on for years to improve will be messed up due to this card.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
mabowers65 @mabowers65
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1 Star Rating
This bank is not worth your time! I opened a business account and immediately has issues. The account was not set up correctly in the initial set up step by the business teller, and no one checked her work. I got home and set up my online access and when I signed in my account was not attached to my sign in. This was the mistake of the teller. Going into the 4th of July weekend, and there was on one to correct the issue until after the holidays. Not really a big deal, but I guess the fact that I was upset and that shared my frustration and called out the teller for her failure and question the process and over-site, was not acceptable to these liberals. I used no foul language and was not yelling, simple called them out and held them accountable. A few weeks later I had a different issue and when I called to see what I could do to help speed up the process, I was told that "you called in and complained before ...." really, I complained that Cortrust screwed up, and I shared my frustration, is an issue to them? Don't bother with complaining, they will just tell you to find a different bank.
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Product: CorTrust Bank Business Services
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CorTrust Bank
whuser68859977 @whuser68859977
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5 Star Rating
Verified Customer
CorTrust Mastercard was the first credit card I received in the mail after filing bankruptcy. It started with a $300 limit and after 6 months of on time I received a $100; dollar line increase without even asking. Honesty that was the only time I had contact with a customer representative and I have had no problems with my account and would recommend it to anyone.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Frank @revfranksierra
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5 Star Rating
Verified Customer
Great card for those people who are looking to re-establish their credit. You won't be disappointed, very simple process to get approved.
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Product: CorTrust Bank Credit Cards
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CorTrust Bank
Taylor Weinzetl @lil3iverson9
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1 Star Rating
Online banking is subpar compared to competition and you are lucky if it works. The communication with customer service is poor, and they'll find ways to keep your money. STAY AWAY
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Product: CorTrust Bank Checking
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CorTrust Bank
Frank @revfranksierra
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5 Star Rating
Verified Customer
Cortrust made sure I had enough credit for my needs when other banks denied me. Thank you cortrust! I and my family appreciate the help.
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Product: CorTrust Bank Credit Cards
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Review CorTrust Bank
WalletHub Awards
CorTrust Bank has won the following WalletHub Awards:
Get answers to your questions about CorTrust Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The easiest way to apply for a CorTrust Bank credit card is online. Alternatively, you can submit an application at your local CorTrust Bank branch. Applying by phone is not possible, but if you have any questions about the application process or the card's features, you can call customer service at (605) 996-0554.
How to Apply for a CorTrust Bank Credit Card
Online: Visit the CorTrust Bank dedicated page and click “Apply Now.” You will need to fill out a form with your personal and financial information.
At a branch: If you'd rather submit an application in person, visit your local CorTrust Bank branch and let a representative know that you would like to apply. You can also download an application form, fill it in, and print it out to have it ready for when you visit your local branch.
Right now, CorTrust Bank only offers one personal credit card, the CorTrust Bank CorPlatinum Credit Card. The card requires at least good credit for approval. Plus, the CorTrust Bank CorPlatinum Credit Card has a $0 annual fee.
To talk to CorTrust Bank customer service, call (800) 252-0048 and then wait to be connected to an agent. This process will get you in contact with a live CorTrust Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to CorTrust Bank Customer Service by Phone
Call the CorTrust Bank customer service department at (800) 252-0048.
You can check your CorTrust Bank credit card application status by calling 1-888-883-9826. When you call, listen to the automated menu and press the key to check your status, then verify your identity so CorTrust Bank can match you to your application. You unfortunately cannot check your CorTrust Bank application status online
How to Check Your CorTrust Bank Credit Card Application Status
A CorTrust Bank credit card grace period is at least 25 days, lasting from the end of the billing cycle until the payment due date. You can find your grace period listed on the monthly statement. If you pay your statement balance in full every month, CorTrust Bank will not charge you any interest.
Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less...
You can check your CorTrust Bank CorPlatinum Credit Card application status by calling 1-888-883-9826. When you call, listen to the automated menu and press the key to check your status, then verify your identity so CorTrust Bank can match you to your application. You unfortunately cannot check your CorTrust Bank CorPlatinum Credit Card application status online.
How to Check Your CorTrust Bank CorPlatinum Credit Card Application Status
Keep in mind that it usually takes up to 14 days to get the card once you've been approved. If it's been longer than that but you still haven't received you card, you should call customer service at (605) 996-0554 to check on it.
CorTrust Bank only has one credit card, the CorTrust Bank CorPlatinum Credit Card. This card has a purchase intro APR offer of 0% for 6 months and a transfer intro APR of 0% for 6 months.
The CorTrust Bank CorPlatinum Credit Card's regular APR is 13.49% - 20.49% (V), based on each cardholder's creditworthiness. The V at the end stands for “Variable” and means that the APR can change based on the Prime Rate. Furthermore, cash advances have an APR of 29.99%.
You can request a CorTrust Bank CorPlatinum Credit Card credit limit increase by calling customer service at 1 (877) 231-3231. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income CorTrust Bank has on file. CorTrust Bank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
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