Welcome to INB: Champaign-Urbana

217 S. Neil St. Suite C, Champaign, IL 61820


Hours: Monday - Friday: 9 am - 5 pm

INB has had a presence in the Champaign-Urbana area since opening in 1999. It wasn’t until 2016 that we established a physical location with a loan office. In 2018, we opened a full service branch. Bank President and CEO Sarah Phalen shared this story about our growing ability to serve both businesses and individuals through this building.

INB’s newest employee has reunited with colleague Andi Whalen. Together, they use their banking powers to help you make the most of your money.


Grace Nichols, AVP, Mortgage Lending

Grace Nichols leapt into the world of lending in 2015 by helping people finance auto loans. She worked one-on-one to help clients understand how to improve their credit score and started hosting financial literacy workshops in the Bloomington-Normal area.  With that knowledge, she became a resource for people before they completed a mortgage loan application. In 2019, Grace became a mortgage lender. She joined INB in 2021.   about Grace.

Personal Banking Services Stand Out

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:

Business Services Available

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:

For more information on our business solutions,