HomeStreet Bank was Founded in 1921. At HomeStreet Bank, they’re driven to enrich the lives of their customers and communities through intentional relationships, consistent integrity and financial expertise. They're a full-service bank that strives to provide a consistent banking experience at every customer touch point and at every stage in one’s journey. They believe... show more
HomeStreet 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 01/11/2026.
4.9
2,729 reviews
from WalletHub and across the web
2,729 reviews from WalletHub and across the web
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HomeStreet Bank
crichards92345 @crichards92345
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1 Star Rating
I do not recommend this bank to anyone due to their terrible customer service. They have placed my account on hold multiple times simply for using my debit card at the gas station I have frequented for the past three years. Each time I used it there, they would suspend my account and cancel my card. After several months, they finally stopped suspending my card. However, when my card was compromised, they failed to detect it; I discovered the issue myself and called to cancel my card and order a new one. They informed me that it would take 7-10 business days. When I requested to expedite the process and agreed to pay a $40 fee, they accepted, but after five days without receiving my card, I was told that the original request had never been properly submitted, despite the fee being charged to my account.
After speaking with a second customer service representative, I was assured that I would be contacted on the following Monday morning, but no call was received. Upon calling again, I learned that my card had been shipped the previous Friday, which was the same night I inquired about it, and it had not been expedited, extending the delivery period to 14-20 days. I attempted to have the $40 fee credited back to my account but was disconnected twice, leading to my extreme frustration. I am dissatisfied with the poor customer service, the long hold times, the lack of communication, and I eagerly anticipate switching banks.
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Product: HomeStreet Bank Checking
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HomeStreet Bank
Brenda James @bjames9031
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3 Star Rating
Thank you Homestreet Bank for waiving the fees that were incurred on my daughter's savings account without her knowledge (until we noticed it on her most recent transactions). After a very stressful few days trying to get someone at the bank to remove $70 in fees placed on my teen daughter's account, a divisional manager called today and finally did it.
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Product: HomeStreet Bank Savings
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HomeStreet Bank
germano_angela @germano_angela
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2 Star Rating
Had simple question about my debit card issue that was best handled, I THOUGHT, by phone. But no matter when I call, midweek or late in week, morning, midday or late afternoon, always a LONG time on hold!! They don't offer to let you leave a number and call you back. They DON'T estimate what the wait time will be. And they DO make you listen, while you're stuck on hold, to repetitive crap about all their services. Why do companies think it's OK to make customers listen to their advertising propaganda, while we're stuck on hold waiting to talk to a "service" rep. ????? Really RUDE and INCONSIDERATE? Do they want to listen to this crap while they're stuck on hold and trying to get work done?
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Product: HomeStreet Bank Checking
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HomeStreet Bank
jamie gorham @jgorham
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3 Star Rating
Overall a pretty good bank until recently. My debit card has been hacked twice recently. This last time my card used back east for $300 and once online for $250. Called the bank and they closed my card and issued a new one which took forever and wasn't the one I ordered... not a big deal. I was compensated for the charges while being investigated. A month later, I was charged the $250 again saying it was a legit charge. It wasn't. I was told to take it up with the company that charged my card. No bid deal I guess. Called the company and they said they have tried to return my funds but can't because of the closed debit card. Long story short, I have been passed back and forth from bank to company. Company can't return my money to a card that's closed and homestreet won't help me collect my funds even though they can control my accounts. My money is now in limbo and homestreet says to file a small claims against the company and company says its my banks fault....which I agree...especially after all the hassle and misguidance from homestreet on filing a second dispute which was denied instantly. Gonna find elsewhere to bank. $250 isn't alot to some, but it is still $250. Not happy with my experience lately.
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Product: HomeStreet Bank Business Services
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HomeStreet Bank
autumn133 @autumn133
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2 Star Rating
I do not appreciate Homestreet Bank freezing my checking account without notifying me. It is embarrassing and inconvenient. I am considering changing banks because of this.
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Product: HomeStreet Bank Checking
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HomeStreet Bank
feeltheburn22 @feeltheburn22
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1 Star Rating
The Worse Business Bank I have ever dealt with. Old Outdated system, everything takes 1 Business day. If you transfer funds from one Home Street account to another Home Street Account it takes the next business day in which customer service stated it must be done during business hours to post to your account. Lies....I transferred funds from one account to another account during business hours & it still did not post to my account. I went to Homestreet bank & the teller told me it will post the next business day. Oh & when you use your business debit card for purchases it will not deduct funds from your account right away. You literally have to balance your checking accounts to make sure your account does not get overdrawn because anything & everything takes 1 business day. Oh & let me not discuss the bank app in which I had to go to the branch 4 times because it kept kicking me out of the system as if I never signed up for online banking. I had to use 4 different usernames & 4 different passwords. Homestreet bought out my previous bank Union Bank. As soon as transactions clear in both my accounts I'm closing both business accounts. This is the worse bank I have ever in life dealt with. Never again.....if I could give them 0 stars I definitely would. I am a business owner of 25 years and I have been with several banks and I must say this bank is one of the worse banks. You have been warned. It's like customer service & the bank representatives are clueless. I opened up business accounts with Navy Federal Credit Union, I can't wait to kiss Homestreet bye bye patiently awaiting for transactions to clear.
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Product: HomeStreet Bank Checking
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HomeStreet Bank
jdcampbell84 @jdcampbell84
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5 Star Rating
People make the difference! Our loan officer at HomeStreet was so responsive and helpful and went above and beyond from the start I would definitley recommend HomeStreet for your construction to mortgage needs!
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Product: HomeStreet Bank Mortgages
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HomeStreet Bank
abj3165 @abj3165
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1 Star Rating
I called HomeStreet Bank today to assist my wife as her interpreter for her Credit Card info but the representative insulted me that I can not be an interpreter of my wife so I told my wife to immediately close her HomeStreet Bank Credit Card Since I was insulted and offended by the representative and the supervisor. I asked the supervisor to send me a proof by email that the spouse can not be an interpreter but the supervisor failed to do it. My wife closed her HomeStreet Bank CC as I told her due to the fact that HomeStreet Bank does not deserve to have a good customer like my wife and myself. I shall never recommend HomeStreet Bank to anyone as we experienced a nightmare with the representative and the supervisor of the HomeStreet Bank. I will also close my bank account tomorrow 08/20/2020.
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Product: HomeStreet Bank Credit Cards
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HomeStreet Bank
Jenny Zinski @Mindii
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1 Star Rating
Do not put any checks in the atms!! They just hold it for days even in the middle of a national crisis!!!
I have no other money and theyre holding my paycheck for unknown reasons, telling me every day that the check will be there by midnight and I want everyone to know!
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HomeStreet Bank
babeone8 @babeone8
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5 Star Rating
This bank is the BEST from A to Z they've helped me all of my needs.i've never had any problems ,and my friends and family love banking with HOME STREET BANK.
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Product: HomeStreet Bank Business Services
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HomeStreet Bank
johannabarron @johannabarron
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1 Star Rating
I had high hopes for working with Homestreet to get my mortgage. During the process the agent failed to confirm property taxes- they had been misstated and it wasn’t until I was signing the papers that I noticed the huge mistake. A mistake which will cost me an extra 1200. every year. Disappointing, however I went through with the loan. After several years of making payments on time they sold my loan to a horrible east coast company called NewRez, which is possibly the worst company I have ever dealt with. Horrible.
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Product: HomeStreet Bank Mortgages
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HomeStreet Bank
Monya Hoerner @monyah_1
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3 Star Rating
I deposited two checks and I just found out I won't receive all of my money for 9 business days! That is rediculous!! I did submit through an app but the directions say it won't be immediately available, fine but 2 weeks!!?
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Product: HomeStreet Bank Checking
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HomeStreet Bank
Kevin Rick @kevinrick09
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4 Star Rating
I joined Homestreet Bank Mortgages services as a customer in January 2012 when I refinanced my loan from Bank of America. I saved quite a bit of money by doing this. The process was very quick (45 days from initial contact), and very convenient. My loan officer treated me with respect and did not talk down to me. She explained the whole process from start to finish and also gave me an accurate timeline. The loan officer worked around my schedule, even going as far as meeting me in my home town to get the crucial documents signed as quickly and easily as possible. I also enjoy the mortgage services online page. Logging in is very easy. The customer services was impeccable for their online services. I have a very hard time remembering my password many times, so all it took was a 2 minute call into the mortgage department and within seconds I was using my account again. My favorite thing by far about their website was that you can view all of your remaining payments, even if you have a 30 year loan! It shows principle paid, interest paid, balance, and also gives you an option to see what would happen if you pay more on your loan.
The only downside i saw to Homestreet bank is if you want to split your payment up between the 1st and 15th of the month or whatever days you choose, they require you to use a 3rd party payment services, which charges you a fee to use. While it would have been nice to split up my payment, I would rather not have to pay another person for an already very expensive object. Overall I will still give them 4.5/5.0 stars because I do not think that the 3rd part part should be used against them, however I do believe Homestreet would bring in more customers if they did not require you to use a 3rd part which costs the customer money.
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Product: HomeStreet Bank Mortgages
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HomeStreet Bank
Susan Smith @SusanS
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5 Star Rating
HomeStreet bank offers a 1% annual percentage rate savings at certain newer branches to attract business. You need $1000 to start and keep the balance to avoid a fee but that does not matter to me. In today's market, big banks like BOFA or Chase offers 0.01% for your money. You should switch your accounts to a local community bank to get the most of your hard owned money. The service is great. Whenever I visit a branch, the tellers are always pleasant.
for many years i went from bank to bank to bank i won't name any but it was the big ones , there was always fees for everything and no one wanted to help me resolve issues , i transferred to homestreet about 3 years ago they were running a promotion if you refer someone you get 50.00 so my grandpa made me join lol. this bank is amazing everytime i go in the mountlake terrace branch the ladies are so welcoming and nice they have free coffee from one of those keurig machines , there is no hidden fees, i did recently make a mistake by paying my rent out of my checking account instead of my husbands which put us in the red but i called the bank branch and they helped me resolve it very quickly they are just very helpful in general. the only thing i would like is if they had more bank branches around my area . and they seem to change the online banking area a lot .
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Product: HomeStreet Bank Checking
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+ 10 WalletHub users submitted a rating without writing a full review + 2,704 ratings from across the web
Get answers to your questions about HomeStreet 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 HomeStreet Bank CD has an APY of 0.15% - 0.20%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
3-Month: 0.15% APY
6-Month: 0.20% APY
1-Year: 0.20% APY
2-Year: 0.20% APY
3-Year: 0.20% APY
5-Year: 0.20% APY
Please note that these rates are subject to change without notice. You can find the most up-to-date rates on HomeStreet Bank's website.
You can check the best CDs available for you to make sure that whatever decision you go for really fits your goals.
HomeStreet Bank is currently facing significant challenges. While it's not officially "in trouble" in the sense of facing imminent failure, the bank is clearly undergoing a period of difficulty.
The bank recently reported its second-quarter 2024 financial results, which showed some pressure on net interest margins (NIM) but maintained overall credit quality. Additionally, HomeStreet is in the process of merging with FirstSun Capital Bancorp, which could help stabilize its operations and improve its financial standing.
You can check the status of your dispute with HomeStreet Bank by contacting their customer service by phone or visiting a branch to speak with a representative.
For the most up‑to‑date information, visit HomeStreet Bank's website or contact their customer service by phone at (800) 719-8080.
Please note that customer service hours may vary by location and department. For the most up-to-date information, please visit the HomeStreet Bank website.
HomeStreet Bank merged with Mechanics Bank in September 2025, and the combined entity operates under the Mechanics Bank name.
Your money and accounts remain safe and accessible. Your local branch may receive new signage and branding over time, but according to statements from both banks, the same staff and location will continue serving you. The merger also expands the overall network to approximately 166 branches across California, Washington, Oregon, and Hawaii.
Provide Personal Information: Furnish personal details including your name, address, date of birth, Social Security number, valid ID, email address, and phone number.
Review and Agree to Terms and Conditions: Carefully review and agree to the terms and conditions associated with the chosen account.
To get your HomeStreet Bank account number, you can go online, or look on your checks or paper statement.
Online: Log in to your HomeStreet Bank online banking account, click on “Accounts” in the top bar, then Online Documents. And, click on the “Last Statement” link for the account.
Check: Your account number is printed on your checks, it's typically located at the bottom, between the bank's routing number and the...
HomeStreet Bank has over 50 branches across the states of California, Hawaii, Oregon, and Washington.
To find the closest branches, ATMs, and other offices you can visit their locations page. This page allows you to search by location, range, or service.
If you have any further questions about HomeStreet Bank's locations or services, you can contact their customer service online, or by phone at (800) 719-8080. They will be able to provide you with the most...
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