INB has had a presence in the Champaing-Urbana area since our founding in 1999.

In 2016 we established a physical location with a loan office and in 2018 we expande dour local footprint with a full service branch. Bank President and CEO Sarah Phalen shared this story about our growing ability to serve both business and individuals through this building:

INB More Than A Building: A Part of Champaign Community




Owning a home can be the accomplishment of a lifetime. But getting a mortgage loan can bring on a lot of questions and stress. That’s where Rhonda Lash can be invaluable. She can answer all your questions and help relieve the financial stress with a simple conversation.

First off, Rhonda will help you with a prequalification letter. This is important! She counsels homebuyers to take this step BEFORE beginning a home search. You need to know what you can afford to spend before you go to your first open house. Realtors are interested in talking to serious buyers, and serious buyers have pre-qualification letters from their mortgage lender.

If your financial situation makes it difficult for you to get a mortgage loan, Rhonda will counsel you on how to improve your financial situation so that you can eventually qualify. Then when you’re ready to buy, Rhonda will be there.

Want to take the first step and find out what you can afford to spend on a new home?

Apply Now for a Prequalification Letter

Personal Banking

Through our C-U location, INB is able to offer all the traditional banking services you’ve come to rely on from a bank. But we add a twist by providing top-notch digital services with a personal touch. We are also committed to make all banking as easy as possible. You’ll want to check us out when it comes to checking, savings and other personal services. Online or in-person, we can offer:


INB's Treasury Services and Commercial Lending teams can handle the needs of companies big and small. We also provide these services to municipalities throughout Central Illinois. To discuss how we might be able to help your organization or business save money, connect with Amanda Klein or Tom Whooley.