Why a full banking relationship matters to businesses:

• Lending, deposits, and treasury work together to improve cash flow, efficiency, and long-term planning
• Direct access to local decision-makers means quicker answers and custom solutions
• A trusted, coordinated team understands your business and helps you minimize challenges and plan for growth

Securing financing is an exciting milestone for a business.

But once the loan closes, business owners are often left to figure out cash flow, payments, risk, and growth strategy on their own.

That’s where a full banking relationship makes the difference.

So what do businesses gain from working with INB as a complete financial partner, not just a lender?

“That is a great question — and one I hear often,” says Cami Gibertini, SVP, Business Solutions for INB Tampa.

“A standalone loan can absolutely meet a short-term loan need.  But a full banking relationship with INB is really about creating long-term value, efficiency, and flexibility for a business,” she says.

More than capital: lending + deposits + treasury = a connected financial strategy

A loan provides needed capital. But that’s only one piece of the financial picture. 

A complete relationship brings together lending, deposits, and treasury services to create a more connected, strategic approach.

“A full relationship gives businesses more than capital; it gives them a partner,” says Katie Hahn, SVP, Business Solutions for INB Springfield. “By combining lending and treasury, we help improve cash flow, increase efficiency, and reduce risk.”

As a community bank, INB knows firsthand about the real-world needs of a business — from commercial loans to local decision-making. 

Having INB as a complete banking partner helps businesses move to the next level of success. We equip business with all of the resources and products you need to simplify complex processes, cash flow and employee payroll, and keep your financial data safe online.

Treasury is a strategic advantage

INB’s treasury services (also known as Business Solutions) focus on the areas that matter most to business performance:

• Cash flow visibility and management
• Fraud prevention and security tools
• Payment and receivables efficiency

Together, these capabilities support both daily operations and long-term strategy.

“Lending provides the capital; treasury makes sure it’s managed efficiently. Together, they give clients better visibility, stronger control, and more tailored solutions,” Katie says.

Holistic planning for your business

A full banking relationship enables more comprehensive financial planning, including balance sheet strategy and long-term growth goals.  Decisions made on the deposit side don’t happen in a vacuum; they directly impact lending capacity, liquidity, and overall financial health.

When INB partners holistically with business clients, we’re able to:

• Understand the full financial picture – not just a single loan transaction, but also cash flow, future growth plans, and risk profile
• Deliver more strategic advice and help our clients make informed decisions as business evolves
• Simplify operations by integrating treasury, payments, and credit

“Ultimately, I would say that it’s the difference between being transactional vs. relational to create a banking partnership,” Cami says. “Our goal at INB is to help our business clients grow, not just fund a moment in time.” 

Local decision-making means more flexibility

As a community bank, INB offers something many larger institutions can’t: local decision-makers.

“We have direct access to local decision-makers — our executive leadership team — which means faster answers, more flexibility, and solutions built around each client, not a one-size-fits-all approach,” Katie explains.

This leads not only to faster decisions, but also to stronger relationships that allow for more customized structures and better alignment across products, including pricing and terms.

Coordinated teammates who know your business

Fast response time doesn’t only happen during decisions. Responsiveness is an ongoing advantage with a full banking relationship.

“Because we already know their business, we can act quickly when opportunities or challenges arise,” Cami points out.

Instead of juggling multiple service providers from different companies or waiting for a single person to return from vacation, combining your lending and treasury at INB gives you a coordinated team working together on your business. Having strong relationships with both gives you multiple points of contact, says Nick Horton, VP, Commercial Lending for INB Springfield.

“As a lender, I can speak at a 35,000-foot view about different treasury products or services that INB offers, I don’t have the knowledge to confidently explain a lot of it to clients — that’s where the treasury sales or treasury management team is invaluable and complementary to me as a lender,” he says.

Aligning your lending and treasury from the start leads to increased efficiency and better outcomes as your business grows.

“Having that strong relationship with both provides the client with knowledgeable consultants to provide their expertise on both sides of the business: capital access (lending) and capital management (treasury),” Nick shares.

The right banking partner helps you build your business. Connect with INB to learn how a full banking relationship can support your business today — and position you for what’s ahead.

Since 2008, Ashlee has worked in the insurance and financial services sector, becoming a licensed financial advisor in 2017. At INB, she serves as Investment Advisor Representative on our Osaic Wealth team serving Central Illinois, where she helps clients plan everything from retirement income strategies to multigenerational wealth transfers.

To better serve her clients and stay ahead in a constantly evolving industry, Ashlee achieved two major professional milestones.

Planning for the Future: CRPC®

Ashlee earned the CRPC® (Chartered Retirement Planning Counselor) designation, a professional credential for financial advisors specializing in retirement planning.

CRPC® professionals are trained to guide clients in creating a comprehensive retirement strategy, including pre- and post-retirement needs, healthcare, Social Security, asset management, estate planning and more.

To obtain the CRPC designation, Ashlee had to complete a specialized retirement planning course at the College for Financial Planning and score at least 70% on a proctored exam.

“After earning this designation, professionals also must complete 16 hours of continuing education every two years to maintain it,” she explains. 

Business Retirement Planning: QKA®

Even though earning the CRPC® was a lot of work, Ashlee didn’t slow down!

She recently obtained the Qualified 401(k) Administrator, or QKA®. This designation, awarded by the American Society of Pension Professionals & Actuaries, recognizes a deep understanding of 401(k) plan management, compliance testing and regulatory reporting.

It’s a rigorous program with online courses and multiple exams that typically takes up to two years to complete.

“Essentially, a QKA® professional is equipped to handle the technical and administrative aspects of 401(k) plans, ensuring they operate effectively and remain compliant with relevant laws and regulation,” Ashlee shares.

Her commitment will directly benefit INB clients as the Wealth team expands its focus on 401(k) and business retirement planning.

“What I love most about my job are the people and team goals; we’re servicing clients the right way and treating each other the right way,” Ashlee says. “And as our Wealth team focuses more on retirement strategies, it’s imperative we have the knowledge to do so.”

Staying at the Forefront of Financial Planning

Ashlee’s pursuit of advanced credentials isn’t just a personal goal; it’s also supported by INB.

“INB is a huge supporter of getting designations that will help set us apart from our competitors, and the bank financially supported me in this endeavor,” Ashlee shares. 

Designations are more than just letters after a name. With her growing expertise and a strong team at INB Wealth behind her, Ashlee can help shape a future where clients can feel confident in their plans — and their advisor.

“Continuing education is essential to holistic financial planning,” Ashlee says. “Regulations and rules change all the time. It is the financial professionals’ duty to make sure they are aware of all the changes to ensure we are providing our clients with the best, knowledgeable service possible.”

Contact Ashlee today to talk about your business retirement planning.

• Multi-factor authentication (MFA) adds a second layer of protection to your accounts besides your password.
• MFA requires users to verify their identity using two separate methods before gaining access.
• Even if someone steals your password, they can’t access your account without the second verification step. Never share your MFA code!
• INB makes it easy to set up MFA when you sign up for INB digital banking on your computer or INB app.

When you log in to your INB account via your digital banking app, do you get a one-time code via text or phone call to complete the login? 

When this happens, you’re using a crucial security measure called Multi-Factor Authentication – maybe without even realizing it!

Multi-Factor Authentication, MFA for short, is also called Two-Factor Authentication, or 2FA. It’s an extra layer of security, designed to make sure that you’re the only one who can access your accounts – whether that’s your bank account, social media account or shopping account.

Turning on MFA is one of the easiest ways to protect your financial information.

How Multi-Factor Authentication Works

MFA requires users to verify their identity using two separate methods before gaining access.

Normally, logging into an account requires one factor, like a password or PIN.

Multi-Factor Authentication requires two different factors, typically:

• Something you know – a password or PIN
• Something you have – a one-time code sent to your phone, email, or authentication app

“So even if someone else knows your password, it’s extremely difficult to access your account,” says John Snelson, VP, Director of Information Security at INB.

That second step is what makes all the difference.

MFA really cuts down on the risk of unauthorized access, because hackers would need to steal both your password and your physical device. That’s why it’s important to never share the MFA code you receive with anyone else!

How to Set Up Multi-Factor Authentication

Setting up MFA with INB is an automatic part of setting up your digital banking account and only needs to be done once.

When you set up digital banking with INB either on your computer or INB app, you will be taken through prompts to choose how you want to receive your MFA verification code:

• Text message (SMS)
• Phone call
• Authentication app

Then each time you log in to your INB online banking account, you’ll be prompted to that extra verification step that you chose.

Never share your MFA code with anyone else!!

When it comes to other accounts you have – from Netflix to Facebook to American Airlines – not all MFA methods are exactly the same.

Other options you might see include:

• Text message codes: A one-time code sent to your phone
• Authentication apps: Apps that generate time-based codes
• Push notifications: A prompt sent to your device asking you to approve the login
• Email verification: A one-time code sent to your email address

Why Multi-Factor Authentication is So Important

Multi-Factor Authentication might feel like a minor inconvenience at first (ugh, another thing to do!), but it’s a crucial step in keeping your financial life secure.

“Passwords alone aren’t enough anymore,” John says. “Data breaches are happening regularly because many people’s passwords are easy to guess, reused across multiple sites, or stolen through phishing scams.”

The extra layer of protection from MFA helps safeguard not just your money, but also your personal and financial information.

Remember: Don't share your verification codes.  A bank will never ask you to provide a one-time code over the phone or by email.  If you receive an unexpected message asking you to "verify" your account, double-check before clicking anything.            

• A credit freeze locks down your credit report so new accounts can’t be opened in your name without permission.
• You can place a freeze with all three credit bureaus: Equifax, Experian, and TransUnion. It’s free, doesn’t affect your credit score, and is one of the most effective ways to prevent identity theft.
• If you ever want to apply for new credit, you can temporarily lift (or “thaw”) the freeze for a set time or a specific lender. The process takes just a few minutes and your credit automatically refreezes when the window ends.

INB recently got a call from a customer who was in a panic because her elderly mom had accidentally shared her Social Security number with a scammer. While she had thankfully hung up when pressed for banking information, now her SSN was exposed.

The first thing we told her to do? Freeze her credit.

At INB, we see attempts of identity theft almost every day, from phishing scams to stolen personal information. Unfortunately, it’s become increasingly common for scammers to misuse someone’s information – and often victims don’t even realize it until the damage is done.

While INB works hard to protect you with our advanced security measures, there are also some important steps you can take to protect yourself.

Freezing your credit is one of the simplest and most effective ways!

What’s a credit freeze, and why is it important?

You probably don’t just leave your door unlocked when you go out of town. In the same way, it’s not a good idea leave your credit information open either.

Why? Most fraud happens when someone opens new credit in your name.

A credit freeze (also called a security freeze) restricts access to your credit report. When your credit is frozen, lenders can’t view your credit file unless you give permission.

And there’s good news: Credit freezes are free, don’t affect your credit score, and you can remove them when needed!

Our bank staff takes these same precautions. Caeri Chiaro, VP, Senior Compliance Manager, decided to freeze her credit several years ago after seeing an increase in security breach notifications from companies that had her information.

“I also suggested my husband and adult children do the same,” she says. “Especially when my boys were building credit, they didn’t need someone using their information to damage it. And busy young adults don’t generally have time to regularly check their credit report.”

A credit freeze helps block criminals – even if they already have sensitive information like your Social Security number.

“I am fully aware my personal information is out there somewhere, including my SSN, because of what’s required to obtain services and how many companies are compromised by data breaches. But because my credit is frozen, even if they have my information, they won’t be able to do much with it,” Caeri explains.

Suspect identity theft? Visit www.identitytheft.gov to report it and get a recovery plan.

To fully protect your credit, you’ll want to place a freeze with all three major credit bureaus:

• Equifax
• Experian
• TransUnion

You can do this online, by phone or by mail, but online is the fastest.

You’ll need:

• Your full name and Social Security number
• Date of birth
• Address history (usually the past two years)
• A way to verify your identity (typically security questions)

Once that’s done, your credit is typically frozen immediately or within minutes.

After freezing, you’ll receive a PIN/password or account login for each bureau. Keep this info secure and handy, because at some point, you’ll likely need to lift the freeze later.

How to thaw your credit

A common myth is that once you freeze your credit, you can’t apply for a loan or credit card anymore. This is not true!

When you’re ready to apply for credit, you can temporarily lift your credit freeze, which is called a “thaw.” Most banks and lenders only need access for a short window, so a temporary thaw is usually enough.

You have two options when thawing your credit:

1. Temporarily lift the freeze for a specific time period
2. Lift it for a specific lender

Here’s how to thaw your credit:

• Log in to each credit bureau’s website
• Use your PIN or account credentials
• Choose how long you want the freeze lifted (for example, 48 hours)

The process usually takes just a few minutes, and access is often restored right away. And once the time window ends, your credit automatically refreezes – no extra steps required.

INB checking accounts offer ID Theft Benefits through BAZING.

Protect yourself by freezing your credit

Credit freezes don’t eliminate all fraud risk, but they significantly reduce one of the most damaging types: unauthorized new accounts.

Another perk? “It also cuts down on the amount of junk mail we get,” Caeri points out. “If credit card companies can’t pull your credit report, they don’t send you offers for more credit.”

If you’re not planning to apply for credit in the near future, freezing your credit is a simple, low-effort way to add an extra layer of financial protection.

Through our membership in the Federal Home Loan Bank of Chicago (FHLB), INB offers the DPP program to borrowers. In 2026, FHLB will award $28 million to home buyers.  The DPP provides eligible homebuyers with up to $10,000 in down payment and closing cost assistance.

Springfield-based INB Mortgage Lender Natalie Dodson explains, “DPP is a grant designed to help with closing costs and the down payment. Eligibility is based on income limits and household size.”

Eligibility, Application Made Simple
To determine eligibility, INB needs to know your income and the number of adults living in your home. These details are part of any mortgage loan application. Household income must not exceed 80% of the region’s median income, adjusted for household size. INB submits the grant application on behalf of eligible buyers.

“Most potential buyers have heard of grants but don’t know the requirements,” says INB Lender Bill Townsend. “If they qualify, I explain how easy it is to get the money. We do most of the work. Buyers just need to complete a homebuyer education course and counseling.”

Deena Smith, another Springfield-based lender, agrees. “The process is stress-free and the easiest $10,000 you could ever make. We will submit the grant application for approval with your documents that you have already submitted for your loan.  We will also give you a link to take an online, pre-purchase homebuyer counseling education class,” Deena continues, “The process has never been easier than it is today.”

While DPP is not limited to first-time homebuyers, refinances are not eligible. The grant is a powerful tool for eligible buyers, offering financial assistance and creating opportunities for homeownership.

Bloomington based lender, Sean Banigan shares, “DPP is a great tool. I’ve shared it with realtors to inform buyers and have seen buyers recommend it to friends. Everyone loves how simple it is to use.”

DPP is open for application January 20, 2026 and is available until the program runs out of funding.

If you’re considering buying a home, talk to an INB mortgage lender to see if you qualify for the DPP grant. Let us help you make your dream of homeownership a reality.

Contact one of the INB lenders mentioned in this blog.

• Sean Banigan, NMLS #1637041
• Natalie Dodson, NMLS #574151
• Deena Smith, NMLS #662911
• Phil Raso, NMLS # 2554878
• Bill Townsend, NMLS #815738

You’ll find all our lenders listed on our website.

At INB, we’re here to support you through this process. When you’re ready, we’ll sit down with you to make sure all finances are in order.

Not sure where to start? We understand.

That’s why we put together a checklist outlining what to bring to the bank when handling the financial and legal affairs of a loved one who has passed away.

Being prepared and knowing what documents and information you might need can help ease some of the stress during this challenging time.  Although a lot of information is requested, most of these items are to protect you and your loved ones. 

Essential Documents and Information

1.  Death Certificate

• When you notify the bank of the death, the account will be frozen until a death certificate is provided.
• Certified copies are often required for banks, insurance companies, and government agencies. Be sure to request multiple copies, as you’ll likely need them for different institutions.

2.  Identification

• Your ID and, if available, the deceased’s ID.
• Any legal documents that prove your authority, such as a will, trust, or letters testamentary.

3.  Bank Account Information

• Account numbers, statements, checkbooks, and debit/credit cards.
• Information about joint accounts or accounts with payable-on-death (POD) beneficiaries.

4.  Insurance Policies

• Life insurance, health insurance, or any other relevant policies.
• Policy numbers and contact information for the insurance providers.

5.  Invested Assets

• Investment account statements
• Employer retirement plan and pension statements
• Brokerage account information/statements

6.  Property and Other Asset Records

• Deeds, mortgage statements, and vehicle titles.
• Any safe deposit box information or keys.

7.  Debts and Obligations

• Credit card statements, loans, and other outstanding obligations.
• Contact information for creditors.

8.  Legal Documents

• Wills or trusts
• Estate paperwork or letters of testamentary
• Any other paperwork that may dictate how assets are distributed or managed.

Click here to download this checklist.  

Checklist: What to Bring to the Bank After a Loved One Passes Away

• Certified copies of the death certificate
• Your identification and legal documents proving authority
• Bank account information (statements, checkbooks, cards)
• Key to safe deposit box with location
• Insurance policies and contact information
• Property and asset records (deeds, vehicle titles, investment accounts, brokerage accounts, pensions/retirement plans)
• Outstanding debts and creditor information
• Wills, trusts, and other legal documents

If at all possible, getting organized in advance can give you peace of mind. Keeping a dedicated folder of your loved one’s important financial and legal documents makes this process easier, and estate planning ensures your money goes where you want it to.

At INB, we’re here to help guide you through the process and help manage accounts after a loved one’s passing. When you need us, just reach out to 877-771-2316. 

“We quickly stepped in and got an installment loan approved and funded within just a few days, allowing them to keep their place in line with the pool company and move forward with the project,” shares Madchen Johnson, Consumer Lending Manager at INB.

At the same time, INB’s consumer lending team helped the family set up a type of second mortgage called a home equity line of credit (or HELOC).

“We successfully closed and funded the HELOC in time for them to use it to pay off the installment loan with their first – and only – payment,” Madchen says.

What is a Second Mortgage?

A second mortgage is a loan secured by the equity you’ve built up in your home. It’s called a second mortgage because it follows your first mortgage. 

There are two types of second mortgages:

• home equity lines of credits (HELOCs)
• home equity loans

Both loans are ideal for major expenses in different scenarios, such as educational costs, paying off high-interest credit cards, vacations or home improvements – as with our customers who wanted to put in a pool. Their HELOC gave them a more flexible financing option for not only their new pool but also future needs.

Let’s break down the difference between a HELOC and home equity loan…

HELOCs

A home equity line of credit, or HELOC, is a revolving line of credit secured by your home.

HELOCs allow you to have access to cash to make purchases up to the value of the loan:

• You’re approved for a maximum credit limit
• You can withdraw the money as you need it over a fixed amount of time
• Repayments schedules are flexible, with a minimum monthly payment (like a credit card)
• You only pay interest on what you actually borrow

HELOCs are a great option when you want ongoing access to funds or are tackling projects with changing or unknown costs.

Home equity loans

With a home equity loan, you borrow a fixed, lump sum against your home’s equity and use your home as collateral:

• You receive all of the money upfront
• Monthly payments and interest rates are usually fixed; you’ll pay back the amount you borrowed, plus interest, on a schedule.

Home equity loans are ideal when you know exactly how much money you want to borrow.

Put Your Equity to Work for You

With INB, the process of using your home’s equity is simple and efficient, thanks to fast turnaround times and clear communication.

“Using a HELOC for our customers’ pool was such a positive experience that they decided to move all their checking and savings accounts to us,” Madchen shares.

“Not only did they establish a new banking relationship with INB after their disappointing experience with their previous bank, they’re also quick to refer people to INB as well.”

Whatever your goals, we’re here to help at INB. If you want to put your equity to work for you with a HELOC or home equity loan, come see us today. Or click the easy online application to get started!

“Audit has been my primary focus, but I always felt that the finance side of banking was more to my liking,” he says.

Now we’re welcoming Lucas to INB as our new Asset Liability Analyst!

Born in Peoria, Lucas moved to Rochester as a toddler, where he grew up playing baseball, soccer, and other sports. He has one older brother, and his parents’ careers in state administration and lobbying gave him a unique perspective on business and finance from an early age.

Lucas attended Illinois State University from 2011 to 2016, graduating with a double major in Accounting and Finance and a minor in Financial Planning. He sat for and passed the CPA exam in 2018 while working for Kerber, Eck & Braeckel (now KEB). At KEB, Lucas was a member of the audit department, focusing on performing audits and reviews across a range of industries, including nonprofits, privately held businesses, religious organizations, and financial institutions.

In 2021, he joined Williamsville State Bank & Trust as an Internal Auditor, gaining hands-on experience overseeing the internal audit program.

“I audited essentially all areas of the Bank with exception to IT – ranging from Asset Liability Management, Bank Secrecy Act, loan file reviews, and ACH operations to teller and CSR cash counts,” he says. “I found I liked specific aspects of banking, particularly IRR/ALM and liquidity management, which led me to INB.”

Outside of work, Lucas and his wife enjoy traveling, especially to national and state parks, often tent camping but occasionally splurging on a cabin. Some favorites have been Yosemite National Park, Rocky Mountain National Park, Acadia National Park, Pictured Rocks National Lakeshore, and Sleeping Bear Dunes National Lakeshore. They were married overlooking the Great Smoky Mountains in the summer of 2021, and they welcomed their first child in April, a daughter named Peyton.

“Outside of the National Parks, we try to get up to South Haven, Michigan, as often as we can. We also visit my family in the Clearwater, Florida area at least once per year,” he shares.

Now Lucas is excited for this next step, bringing his expertise and passion for finance to INB.

“I look forward to utilizing all available tools and data at my discretion to provide meaningful insight to decision-makers at INB and further enhance the current performance and long-term stability of the bank,” he says.

Welcome to INB, Lucas!

“And just for fun, mention the word ‘hippo’ to her,” Kelly laughs, “because she hates the song I Want a Hippopotamus for Christmas!” 

With the holidays in full swing, thankfully Becky will not have to endure being taunted by her team with her least favorite song - as she has officially retired!

Becky has had a long, fulfilling career of banking in the Chatham community. She first started as a teller at Palmer Bank in Chatham and stayed on when INB acquired that bank in 2002, earning a promotion to Customer Service Representative.

Since then, she’s become a cornerstone of the INB Chatham branch, most recently serving as a trusted Relationship Banker.

“I’ve made many good friends from working at INB, both customers and co-workers. We’re like family and have many customers that love to come in just to talk,” Becky shares. “The best part of my job is building trust with my customers and helping them with their financial needs.”

Making Every Customer Feel Valued

Amanda Donley, Chatham Branch Manager, has worked with Becky for 18 years and acknowledges how much Becky has shaped her own INB experience.

“Becky has a genuine love for helping people,” Amanda says. “She has built trusting relationships, understands people’s needs and has made every customer feel valued and supported. Customers return to her again and again because they know she genuinely cares.”

Kelly, who is VP/Retail Operations and Process Improvement Manager for INB, agrees and notes that the impact of Becky’s retirement is already clear.

“We have several customers sad to see her leaving. Customers absolutely love her and are loyal to her; they will leave and come back just to make sure that Becky is the one to take care of them,” Kelly says.

When Stacy Danenberger joined the INB Chatham team in April 2024, she found Becky to be one of the best people to learn from in her new role.

“Having been here for so long, she is such a wealth of knowledge,” Stacy shares.

She also echoed Kelly’s sentiments about Becky’s humor: “I don’t know anyone else who is as quick-witted and able to joke about herself the way that she does. We laugh and have so much fun here, and I am going to truly miss seeing her every day.”

Amanda sums up what many are feeling: Becky’s retirement marks the end of an era.

“And while we will miss her presence in our Chatham Branch, we are deeply grateful for the legacy she leaves behind,” Amanda says. “The difference she made can be seen not only in the success of the bank, but in the lives of the people she touched along the way.”

Next Up for Becky

So now what for Becky? No major plans, she says – but she is excited about enjoying a more flexible schedule with simple joys ahead!

“I am just looking forward to getting up whenever I want, reading, drinking coffee and spending more time with my husband, Warren and our two cats, Jade and Pearl,” she says.

Congratulations on your retirement, Becky, and thank you for your laughter, leadership, and years of service! 

Interested in a fulfilling career like Becky at INB?  Check out our open positions here!

At INB, protecting your financial wellbeing is a top priority. Here are 10 tips to help you shop online safely and keep your money secure this holiday season.

1. Shop With Trusted Retailers

When possible, buy directly from reputable websites and well-known brands. If you’re shopping online, navigate to the retailer’s website by typing the URL into your browser yourself rather than clicking on links from emails or social media ads. Fake websites often look convincing but may steal card numbers or never deliver products.

Shopping online Tip: Be cautious of unfamiliar retailers offering massive discounts. If a deal is too good to be true, it’s often a scam.

2. Check Website Security Before You Pay

Before entering credit card information, always confirm you’re on a secure page.

Look for:

• https:// at the start of the URL
• A padlock icon next to the web address
• Proper spelling in the domain name
• A clean, professional layout

URL Tip: Small changes—such as “amaz0n.com”—are red flags indicating a spoofed website.

3.  Use Secure Payment Methods

Credit cards offer the most protection against fraud. Debit cards draw directly from your checking account, which can make disputes more difficult.

Try avoiding paying for items through:

• Wire transfers
• Gift cards
• Peer-to-peer apps like Venmo, CashApp, or Zelle (unless you personally know the seller)

Scammers often request these payment types because they’re harder to trace.

4.  Don’t Click Suspicious Links or Attachments

Holiday-themed phishing scams surge every year. Slow down and pay attention when ordering online.  A few examples to watch out for include:

• Fake package delivery alerts
• “Order confirmation” emails for purchases you didn’t make
• Ads for deep discounts
• Text messages claiming your account is locked

When in doubt, go directly to the company’s official website instead of clicking the link.

5.  Enable Multi-Factor Authentication

Multi-Factor Authentication (MFA) adds a layer of security by requiring both your password and a temporary code. Enable MFA everywhere you can, including:

• Your email
• Online banking
• Shopping accounts
• Social media

This makes it significantly harder for someone to access your accounts—even if they obtain your password.

6.  Track Packages Safely

Scammers often send fake shipping notifications loaded with malware. To stay safe against this type of scam:

• Track shipments only through official carrier websites
• Be cautious of unexpected messages claiming a “delivery issue”
• Avoid downloading attachments from unknown senders

7.  Verify Charities Before You Donate

The holiday spirit inspires generosity—but scammers take advantage of this. Always verify a charity before donating.  One way to confirm is to visit the IRS Tax-Exempt Organization Search.  Always be skeptical of emotional appeals, urgent requests, or charities you’ve never heard of.

8.  Monitor Your Accounts Regularly

Checking your bank and credit card activity frequently helps you catch fraud early. Turn on account alerts through the INB Digital app so you’re notified of:

• Large transactions
• Purchases over a certain amount
• New logins to your online banking

Early detection is one of the best tools for stopping fraud quickly.  If you suspect fraud, call INB right away.'

9.  Keep Documentation of Your Purchases

Save order confirmations, receipts, and tracking numbers. If something goes wrong with your purchase—or you need to dispute a charge—having these details helps resolve the issue faster.

10.  Protect Your Devices

A few simple steps can go a long way in defending against cyber threats:

• Keep your phone and computer software updated
• Use antivirus protection
• Avoid shopping or banking on public Wi-Fi
• Use a VPN when possible

Stay Safe and Shop Smart This Holiday Season

By staying alert, shopping smart, and using secure practices, you can protect yourself from scams and enjoy the season worry-free.

If you notice suspicious activity on your INB account or need help, our team is here to support you.  Please call us at 877-771-2316 or visit your local branch.  Timing is everything when it comes to fraud!

What’s a Certificate of Deposit?

A Certificate of Deposit, also called a CD, is a type of savings account that lets you earn a higher, fixed interest rate than a regular savings account.

In return, you commit to leaving your money in the account for a set period, known as the “term.”

When you open a CD, you choose a term length, which could be as short as a few months or as long as several years. Your interest rate typically depends on which term length you choose, with higher interest rates usually offered for longer terms.

Opening a CD is pretty simple: you deposit a lump sum, and INB holds onto it for the term length you selected.

Interest will start accruing on the business day you deposit and will earn at the rate specified when you opened the CD. The interest rate and annual percentage yield will not change for the term of the account, and your interest will be compounded and credited annually.

When the term ends, you’ve reached what’s called the “maturity date.” At that point, you can withdraw your original deposit along with the interest it’s earned, or you can roll it into a new CD for another term.

Benefits of a CD

Why should you consider opening a CD? Here are a few good reasons:

1. Safe investing: CDs are insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000. Since your money is protected even if something happens to the bank, it’s a low-risk way to save.
2. Higher interest rates: CDs typically offer better interest rates compared to traditional savings accounts. Essentially, the bank rewards you with more interest for leaving your money untouched for a specific period of time. (And since your money is “locked away,” you also won’t be tempted to use it!)
3. Fixed returns: Unlike stock investments that can fluctuate, CDs provide a fixed interest rate. This means you know exactly how much your money will grow by the end of the term.

Be sure to keep in mind…

One drawback to CDs is they are less flexible than other savings options.

Why are CDs less flexible than other savings options? If you withdraw your money before the maturity date, you’ll be subject to an early withdrawal penalty. This fee will likely eat into the interest you’ve earned, or even dip into your principal.

So, CDs are a great option only if you’re confident you won’t need access to that money during the term.

How to Open a CD at INB

You can apply for CDs online or stop by any INB branch.

Questions? We’re happy to answer them! Give us a call at 1-877-771-2316.

Learn more about INB CD accounts here.

Fraud is more creative than ever — fueled by AI, tricky criminals, social media, and our endless online lives. So here’s your handy guide to fraud trends you can casually drop at the Thanksgiving table or holiday party to stay informed and keep the peace.

1.  AI Scams: The Deepfake Dinner Guest

Fraudsters are using AI to clone voices, faces, and entire conversations. One company even wired $25 million after an employee got a deepfaked “call” from their CEO.

Tip: If “your bank” calls asking for money, hang up and call the official number yourself. Even if they sound real — they might not be.

2.  Fake People Are the New Bots

Fraudsters aren’t just stealing identities anymore — they’re creating them. Using pieces of real data mixed with fabricated details, they build synthetic identities that can open accounts, apply for loans, and slowly build credit before disappearing with the money.

It’s one of the fastest-growing forms of financial fraud because the “person” doesn’t actually exist.

Tip: Use identity monitoring and avoid reusing passwords. The less personal information criminals can stitch together, the harder it is for them to create a fake “you.”

3.  “Push-It” Scams: When you send the money

Scammers talk you into transferring funds (rather than stealing your login). They exploit urgency, fear, or fake “bank” instructions.

Tip: Ask yourself, would a bank really require me to move money to another account to “protect” me?  Call the bank directly.

4.  The Return of the Phone Scam

“Hi, this is your bank. We noticed unusual activity…” Sound familiar?

Voice phishing (“vishing”) is up — and AI voices make it scarier.

Tip: INB will never ask for your password or PIN over the phone. Ever.  Again, it is always safe to hang up and call your bank directly.

5.  Fraud Moves Into Apps & Wallets

Fraudsters follow the crowd — and the crowd is now on Venmo, CashApp, digital wallets, messaging apps, and more.

Tip: Only send money to people you actually know and never share log-ins.

6.  Password Reuse: The Quiet Killer

Data breaches happen daily. If you reuse passwords, one leak gives scammers access everywhere.

Tip: Use a password manager. It’s 2025 — you deserve better than “Summer2020!” as your go-to login.

7.  The Comeback Kid: Check Fraud Is Back

Yes, paper checks — those things your grandparents still use for birthdays — have become one of the hottest targets for fraudsters again.  Criminals are stealing checks right out of mailboxes, often by targeting blue USPS drop boxes or even postal carriers. They then “wash” the checks (erase ink and rewrite details), or sell the stolen checks on dark-web marketplaces for others to exploit.

Tips:  Switch to electronic payments where possible. Review statements regularly and report missing or altered checks immediately. And if you run a business: adopt “positive pay” services from your bank — they verify checks before clearing them.

8.  Turn On Alerts for Everything

Real-time alerts are one of the easiest ways to catch fraud early — especially with instant payments moving money faster than ever.  Banks see cases every day where a customer spots a bad transaction only because an alert hit their phone.

Tip: Enable alerts for debit card activity, large purchases, new-device logins, and password changes. If something shows up that you didn’t do, call INB immediately.

9.  Beware the “Refund & Reimbursement” Scam

A growing trend in banking fraud: scammers pretend to be from your bank, a retailer, or even “tech support” and insist you’re owed a refund — but accidentally refunded too much.  They’ll then pressure you to “send back” the difference via Zelle, wire, or gift cards.

Of course, there was never a real refund…and the money you send is gone for good.

Tip:  If someone claims they “over-refunded” you and asks you to send money back, it’s a scam. Hang up, log in to your account, and check for yourself. INB will never ask you to return money via Zelle, wire, or gift cards.

10.  Multi-Factor Authentication: The $0.00 Fraud Filter

MFA (a code texted to you or generated in an app) blocks the majority of account-takeover attempts — even when a scammer has your password.

Banks constantly see fraud attempts that fail simply because the crook can’t get the customer’s second factor.

Tip: Turn on MFA for online banking, email, password managers, and any financial apps. It’s the single easiest way to shut the door on account takeover.

Why Does Talking About Fraud Make for a Great Dinner Conversation?

• Everyone’s affected — no politics, just real-world stuff.
• You’ll sound impressively informed and slightly heroic.
• Sharing scam-prevention tips might actually protect someone you love.

Conversation Starters That Won’t Start a Fight

“Did you hear about the company that lost $25 million to a fake CEO voice?”

“You know what’s scarier than politics? Deepfakes calling your grandma.”

“I started using a password manager — highly recommend. My old one was basically ‘password123.’”

“So… what’s everyone’s weirdest spam text lately?”

“You think AI scams are bad? People are literally washing checks again like it’s 1995 — and it’s working.”

Moral of the story:

Fraud is getting smarter — but so can we.

And if it saves your friends and family from another political showdown, that’s a win for everyone!

What Is a Password Manager?

A password manager is an app or browser tool that stores and encrypts your passwords. Instead of remembering every login, you just need to know one master password. Popular examples include LastPass, Keeper, 1Password, NordPass, RoboForm, Dashlane, and Bitwarden. These password managers generate strong, unique passwords for each account and autofill them when you log in.

Why Password Managers Can Be Safe

When used properly, password managers can actually make you safer online:

• Strong Encryption: They use advanced encryption methods to scramble your data so only you can unlock it.
• Unique Passwords: They encourage strong, unique passwords for every site, lowering your risk of a hack spreading across multiple accounts.
• Phishing Protection: Some only autofill your login if you’re on the correct website, reducing the chance of being tricked by fake sites.

Quick Tips for Using a Password Manager Safely

✔ Choose a reputable password manager with a strong security track record – do your research!
✔ Create a long, unique master password that isn’t used anywhere else
✔ Turn on multi-factor authentication (MFA) for extra protection
✔ Keep your devices updated to patch security vulnerabilities
✔ Don’t store your master password on sticky notes or unprotected files

Common Questions About Password Managers

Q: What happens if my password manager is hacked?
A: Hacks have occurred, but reputable managers encrypt your data. Without your master password, hackers typically can’t read your logins.

Q: What if I forget my master password?
A: Most managers can’t reset it for you (for security reasons). That’s why your master password should be memorable but strong. Some offer secure recovery options like backup codes.

Q: Are free password managers safe?
A: Many free versions are safe if you stick to trusted providers. However, paid versions often include more security features and support.

Q: Is it safer just to write down my passwords?
A: Writing them down in a notebook may seem safe, but if it’s lost or stolen, your accounts are exposed. A password manager is usually more secure and easier to use.

Bottom Line

Password managers aren’t perfect, but for most people, they are far safer than reusing the same passwords or writing them down.

By combining a strong master password with good digital hygiene, password managers can give you both convenience and peace of mind in managing your online life.

Did you know INB Checking and/or Savings Account holders have access to Identity Monitoring?  Learn more about benefits of being an INB Customer or activate your benefits today!

We’re thrilled to be celebrating our 2025 4^th Quarter Service Anniversaries – a small but impactful group!

• Congrats to Becky Luzinski for 25 years at the bank.
• Kari Saling is marking 20 years, while Jenni Snow clocks in 15 years.
• And at the 5-year mark, we have Natalie Cain.

Get to know our staff celebrating service anniversaries…

Becky Luzinski, VP, Commercial Lending

What was your very first job?

I had 2 paycheck jobs at the same time. I worked for a local farmer one summer, walking beans. I didn’t like that. It was very hot that summer, but short lived, thank God! I worked at the “Dairy Bar” in Mt. Pulaski all through high school and part-time after I graduated to help the owner out when she wasn’t available. I loved the Dairy Bar. I worked with school friends and we were having the best time of our lives, so we thought!

What’s your favorite way to spend a long weekend?

Going to our hunting property in Rushville. My husband has made this a great place for me to go and unplug, and enjoy nature and just relax. This is where I get to read a book and not have to worry about laundry, cooking, cleaning, etc. There is lots of wildlife: turkeys, deer, quail, raccoons, possums, ground hogs, bobcats, coyotes, lots of birds, and then there are the ones I don’t really care for—snakes, ticks, spiders. Very peaceful. I was never a hunter until about 4 years ago. He purchased a cross bow for me and then he built me 2 enclosed blinds that have windows, heat, carpet, all the amenities a girl might need. New this past year is a tiny home that he has built and is almost completed. We are really going to enjoy that when it is finally 100% done.

Kari Saling, AVP, Loan Administration

If you had to choose something you had to eat every single day for the rest of your life, what would it be and why?

Pasta, I love pasta.

What’s your favorite way to spend a long weekend? 

Doing anything with my family; having one son away at college now, it makes the time we spend together more valuable.

Jenni Snow, AVP, Human Resources

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

I would go to Hawaii. It’s a place I have always wanted to travel to. It is such a beautiful place from all the pictures I’ve seen, from the beaches and waterfalls to the beautiful flowers and perfect weather year-round.

What was your very first job?

My first job was at Knight’s Action Park. I loved working there. It was my first experience working with money as a cashier. I would get to see a lot of my friends while I was working, and would also get to swim for free on my days off. It was the best summer job for a 15-year-old.

Natalie Cain, AVP, Branch Manager

What’s your favorite lunch spot near work and why?

I love Chaditos. They serve a variety of Mexican dishes. The food is fresh and quick. They serve fish tacos on M-W-F, that’s my favorite.

What was your very first job?

My first job was at Springfield Christian School when I was 15. Every day after school, I went there to essentially babysit the kids until their parents came to pick them up. It was a great way for me to learn responsibility. Then for two summers, I did the summer camp program. It was a lot of fun. We went on field trips a few times a week and it was neat learning about the kids.

What job did you want to have when you were a kid, and why? 

Marine Biologist, because I love animals.

As the COVID-19 pandemic caused uncertainty for many industries, including banking, Sean navigated the chaos with determination. His ability to adapt and excel during this season stood out to his supervisor, earning him a promotion to mortgage loan officer just 18 months later.

Sean is now bringing that drive and industry knowledge to INB’s Mortgage Team, as he steps into his new role of AVP, Mortgage Loan Officer for INB Bloomington!

“I was attracted to INB by the growing community bank culture and the people,” Sean says. “I am really looking forward to evolving with INB and helping people achieve their financial goals through education and personal service.”

Originally from the Champaign area, Sean moved to Collinsville as a teenager and graduated high school there. However, he decided to move back to Champaign at age 19 to start working.

Sean has always thrived in customer-facing roles. He worked for Schnucks for four years before joining the banking industry as a teller for Busey Bank. His talent for building relationships quickly led him to a personal banker position, where he spent six years before transitioning to the mortgage team.

“With years of retail banking and lending experience, I’m passionate about helping clients find the best possible mortgage solutions for their unique financial needs,” he shares. “I’ve had the pleasure of forming many long-lasting relationships with associates and clients alike here in Central Illinois.”

Outside of work, Sean loves spending time with his wife Shireen, their dog Eva, and friends, especially enjoying local restaurants like Medici, Destihl, and Jason’s Deli. His hobbies are a nice blend of active and passive – whether playing pickleball regularly and enjoying outdoor activities, or settling in to stream a good show or movie.

“My wife and I also really enjoy traveling!” he adds. “We have been to Mexico, Jamaica, and all over the U.S.”

Community philanthropy is also important to Sean, as he enjoys volunteering his time at Midwest Food Bank, Habitat for Humanity, and bank-associated volunteer events as often as possible.

In his new role, he’s looking forward to continuing to serve Central Illinois families as both a lender and a partner in their path to homeownership.

“I strive to provide outstanding personalized service to each of my clients to ensure a smooth, informative, and successful mortgage loan experience from start to finish,” Sean says. “I truly enjoy educating and serving borrowers, and I’m eager to help turn dreams of home buying or building into reality.”

Welcome to INB Bloomington, Sean!

“The INB posting jumped out to me because I had been looking at getting a job in banking and I was interested in the department rotation aspect of it,” Jim shares.

INB’s Graduate Trainee Program is a 24-month rotational experience for recent graduates in business, finance, or related fields. Trainees rotate through key areas of the bank – retail, treasury sales, wealth, credit, and commercial portfolio management – before choosing a track in either wealth or treasury/commercial sales.

“This structure helps them solidify their skills by working alongside internal experts and participating in external trainings, with the goal of preparing them for a long-term sales role,” explains Rachel Selvaggio, AVP, Corporate Trainer at INB.

Jim is currently navigating the program alongside Charles Peters, a New Berlin native who earned his degree in Human Resources management with a minor in finance from Eastern Illinois University in May 2025.

“I learned about this program on Indeed; I was interested because I already had 2 years of banking experience, and INB is much bigger than my previous institution,” Charles says. “I had familiarity with the industry and felt like I could go straight into understanding products and services deeper.”

During the selection process, INB looks for recent graduates with relevant experience in banking or sales, paired with a business or finance degree, Rachel shares.

“Both Charles and Jim stood out as strong fits for the program,” she says. “They bring the right foundation, professionalism, and drive to make the most of the rotations.”

Exploring Every Corner of Banking

The Graduate Trainee program is designed to grow future leaders by giving participants hands-on experience across the bank. 

“By developing talent from within, we give trainees the chance to explore different areas of the business while aligning with the needs of the bank and the communities we serve,” Rachel explains.

For Charles, exposure to different areas of the bank has been extremely valuable.

“Getting the chance to see different departments of the bank and how they interact has given me a new perspective,” he says.

So far, Jim says Retail has been particularly interesting, especially the teller line.

“I’ve very much appreciated the different areas we’ve gotten to visit and learn about so far, and I’ve especially enjoyed working with everyone in Retail and meeting all the customers that visit us every day,” Jim says.

Launching a Banking Career

Both Jim and Charles see the program as a launchpad for careers in banking.

“My goal is to find the department at INB that best fits me and best serves the bank,” Charles says.

Experiencing many different facets of the bank gives them both clarity on what the next step will be on their long-term career paths.

“My favorite aspect has been getting to meet all the different people in the bank that allow it to operate so well every day,” Jim shares. “I hope to build connections with everyone I meet throughout this process and hopefully add value to the bank throughout the program.”

His high school years were filled with the golf and swim teams, cultivating the perseverance and discipline that would serve him well throughout his life and career. Those early lessons – managing competing priorities, staying focused under pressure, and working well with others – have carried through his professional journey and ultimately led him to INB.

Now, INB is welcoming Mike as our new Osaic Institutions Wealth Advisor at the Tampa branch!

Mike attended the University of Florida, and after graduation, he decided to make the short move south to Tampa, where he joined one of the world’s leading asset managers.

Over the years, he worked his way through operations, distribution, and distribution management, gaining a strong understanding of the financial services industry from the inside out.

Along the way, he also earned two respected credentials: Certified Investment Management Analyst and Retirement Management Advisor designations from the Investment Wealth Institute.

Mike brings that deep experience and people-first focus to INB Tampa. As a Wealth Advisor, he partners directly with clients to understand their goals and design personalized strategies that cover the full spectrum of wealth management services offered through Osaic Institutions.

For Mike, the move to INB is more than just a career shift; it’s a chance to connect with people in a more meaningful way.

“INB is an opportunity to make a career change to work closely with clients to meet their needs,” Mike shares. “INB leadership really stood out as being of high character and focused on meeting client needs with providing access to a broad array of wealth management services through their partnership with Osaic Institutions.”

When he’s not in the office, you’ll find Mike outside. A lifelong golfer, he still enjoys a round when he can, and he also loves trading city life for nature whenever possible. He’s often at local sporting events, too – another passion that’s stuck with him since his youth. But above all, Mike loves spending time with his three young children.

Please join us in welcoming Mike Connors to INB Tampa. We’re excited for the knowledge and energy he brings to our team!

“I think that’s incredibly unique. I am a huge fan of women supporting women, and I have mentored many young women throughout my career. Having women take high level leadership roles in banking is inspiring, yet can be rare,” Cami says.

That commitment to elevating women is just one of many facets that drew Cami to INB. 

We’re excited to announce that Cami has joined the bank as Senior Vice President, Business Solutions at INB Tampa!

“I’m so excited to serve in my new role. I look forward to supporting our Commercial Lenders with onboarding new commercial clients with our bank’s Treasury products and services that allow them to operate their businesses in the most efficient way possible,” she says.

A Lifelong Education in Banking

Cami grew up in a military family; her father was a Colonel in the United States Marine Corps., and the family settled in the Tampa Bay area when he retired from the MacDill Air Force Base in 1986.

She describes her educational path as “untraditional”: although she attended college for a couple of years, she decided to focus on her fulltime banking career.

Her career success later earned her the opportunity to attend three prestigious graduate level banking schools, each with a three-year commitment:

• The Florida School of Banking at University of Florida, through the Florida Banker’s Association
• The Retail Graduate School of Banking at the University of Wisconsin at Madison, through Banker’s Institute Association
• The Stonier Graduate School of Banking at the University of Pennsylvania with a certification of completion in the Wharton’s Leadership Program, through the American Bankers Association

“Each school was such an incredible opportunity for me to learn and grow, and helped deepen my skillset in banking and in the various roles I held throughout my career,” Cami says.

Family, Fiction and Fitness

Cami and her husband have been happily married for almost 33 years, and the couple has two grown children, Haley and Ryan. “Both live local to us in Tampa, and we love hanging out with them often,” she says.

The family enjoys frequent trips to Disney World in Orlando and spending time together at their condo on the beach. Cami also loves trading the Florida scenery for visits to Montana, which she describes as her “happy place and God’s country.”

“As they say ‘the mountains are calling, and I must go!’” she laughs.

When she has time to herself, Cami is always looking to strengthen her skills with podcasts and books on leadership topics, as well as historical fiction – recent favorites include The Alice Network by Kate Quinn, The Four Winds by Kristin Hannah, and The Henna Artist by Alka Joshi.

“I started a book club almost 15 years ago, and we read one book a month. It’s fun to read and connect with my girlfriends,” she says.

A lifelong fitness buff, Cami enjoys running in local 5Ks for charity and is an active member of her local Y, regularly attending group fitness classes.

“I got the Peloton bike during COVID and became a super fan of the entire Peloton community,” she shares. “I especially love the Bike and Barre classes.”

Committed to Community and Women’s Empowerment

Giving back to her community has always been a central part of Cami’s life and career. She currently serves as:

• Immediate Past President of the Board of Directors and Finance Committee member for the Girl Scouts of West Central Florida
• Active member of the Rotary Club of Tampa
• Board member on the Campo Family YMCA
• Advisory member of the Women’s Business Center in Tampa
• Active member of the Leadership Tampa Alumni Association

Her dedication has been recognized with numerous leadership awards over the years, including the Greater Brandon Chamber of Commerce’s 2014 Chairman’s Award, Hillsborough Community College’s “Leadership in Action – Women Who Make a Difference” Award, and most recently, Tampa Bay Business & Wealth “Women Who Win” Award in 2024.

One of Cami’s greatest joys is facilitating a financial literacy program for nearly 100 young college women each year at the Women’s Conference of Florida in Tampa. This program benefits low-income, academically qualified students who have preserved and remain dedicated to their future success, despite their circumstances.

Just as she was inspired by seeing women in leadership at INB, Cami hopes to inspire and equip the next generation of women to lead in their finances, communities, and careers.

“It’s my personal passion to help young women make good, educated financial decisions now to have the best financial future possible,” she says.

Ghost tapping is a digital payment fraud tactic where criminals use stolen card or mobile wallet data to complete purchases through fake “tap-to-pay” transactions.

Here’s how it happens:

1. Your card or wallet data is stolen

Scammers can capture your payment information in several ways—through phishing emails, malware, or even data breaches. But increasingly, scammers are taking a more personal approach.

They may pose as vendors at community events or fundraisers, asking for quick tap-to-pay donations or purchases. These interactions often feel casual and trustworthy, which is exactly what they’re counting on.

If someone rushes the payment process or insists that “your first card didn’t go through” and asks you to try again, pause before tapping again. Those could be signs of a scam in progress.

2. They load your information onto a burner phone or virtual wallet

This allows them to clone your payment method and prepare it for fraudulent transactions.

3. They use Near Field Communication (NFC) relay tools to simulate your tap

When the fraudster’s device “taps” a terminal—even miles away—it appears as if your card or phone was physically present.

4. The transaction goes through

Because it looks legitimate to the payment system, the charge is often processed without immediate detection.

The result? Money leaves your account without your knowledge—sometimes through a series of small test purchases before larger ones occur.

How It Differs from “Ghost Touching”

It’s important not to confuse ghost tapping with ghost touching, which refers to random touchscreen taps caused by a hardware or software glitch.

Ghost tapping, by contrast, is an intentional form of fraud that exploits contactless payment technology to steal funds.

Warning Signs You’ve Been “Ghost Tapped”

Be on the lookout for:

• Small, unfamiliar transactions—often just a few dollars
• Charges from cities or merchants you’ve never visited
• Notifications that your card was linked to a new device or wallet
• Your phone behaving strangely (e.g., new apps or slowed performance)

If you see any of these red flags, act fast—fraud protection is most effective when reported immediately.  Call INB if you suspect fraud at 877.771.2316

How to Protect Yourself

Here are some simple ways to reduce your risk:

• Stay cautious with links and messages.
  Don’t click on unexpected emails or texts asking for your banking or payment information.
• Keep your device software up to date.
  Updates often include important security patches.
• Enable transaction alerts.
  Get instant notifications from your INB account when a purchase is made.  Learn how to manager your Account Alerts here.  
• Use an RFID/NFC-blocking wallet.
  These prevent unauthorized contactless scans of your cards.
• Regularly review your statements.
  Log into your INB Digital Banking app or review monthly statements for any unauthorized activity.

If something looks off, contact INB immediately. Our team can quickly block your card, issue replacements, and start the dispute process for fraudulent charges.

INB’s Commitment to Your Security

At INB, we take your safety seriously. Our fraud monitoring systems use advanced technology to detect unusual spending patterns, while our staff is trained to respond quickly to protect your accounts.

But your awareness matters just as much. Together, we can stop fraud before it starts.

Need Help or Have Questions?

If you think you’ve been affected by ghost tapping or want to learn more about protecting your digital payments:

• Call INB Customer Care: Call 217-747-5500or 877-771-2316. Call Center hours are 7 a.m. to 11 p.m. CST Monday through Friday and 7 a.m. to 2 p.m. CST on Saturday.
• Visit your local branch: Find the nearest INB branch here.

Stay secure. Stay informed. Stay confident—with INB.

As it so happened, the bank where he was working at that time was opening new offices in Florida, so Gil jumped at the chance to relocate his family.

Now, Gil is jumping on a new opportunity: he’s taking on a new role as Vice President, Business Solutions for INB Miami.

“I’m excited about the opportunity to blow this place up! INB can make a big difference here in Miami,” he shares.

A Banking Career Built on Relationships

While Gil spent the majority of his years growing up in Rochester NY, he was born in Cayey, Puerto Rico.

“We moved back to Puerto Rico when I was in 3^rd grade for 2 years, and then decided to come back to Rochester. I definitely remember landing in New York City with no coats!” he recalls with a laugh.

Gil’s banking career began thanks to his sister, who encouraged him to apply for a teller position at the bank she worked at while he was attending Monroe Community College. After a couple of summers there, he eventually joined full-time and quickly was chosen to be part of the manager training program, where he delved into branch operations, collections and more.

Following that program, Gil became a business development officer for several years and then tried his hand at treasury management.

That’s when the golf trip turned into a big Florida move, and Gil found his way to Miami. Once he bought a house in nearby Pembroke Pines, his family joined him from New York.

Although Gil worked at an international financial institution HSBC for 26 years, his banking start was at a regional bank similar to INB – and he is excited to return to this type of banking.

“We have a thousand banks here, but people are tired of dealing with those kinds of banks. They want to go back to the way people used to bank, which is relationships,” he says. “That’s what I’m experiencing right now with INB. I called some former customers and told them I’m here, so they did their research and said ‘hey, that’s a great bank’.”

In his new role in Business Solutions, Gil describes himself as a hybrid between treasury management and business development.

“I believe INB’s treasury management is second to none when it comes to services we have and products we offer,” he says. “After I had a conversation with INB about the opportunity here, I went to the bank’s website and realized they have all their i’s dotted and t’s crossed. I toured all the facilities in Springfield and was so impressed, and everybody has been so welcoming.”

Fairways and Family Time

When he’s not working, you can usually find Gil on the golf course. Though he was an avid tennis player in his early days, a colleague convinced him – during a stint in mortgages – to pick up golf because “all the realtors play golf.” What began as a reluctant hobby soon became a passion — and today, golf is one of Gil’s favorite pastimes.

Gil and his wife also enjoy cruising. “Before COVID, we were taking 6 to 8 cruises a year. Being 30 minutes from ports in both Miami and Fort Lauderdale, we’d call in the morning, find an open cabin, and be ready to board that afternoon,” he says.

Family is a big part of Gil’s life: his wife is a reading specialist at a charter school, his daughter is a Navy Lieutenant Commander, and his son is a PGA teaching professional. Gil is also active in his condo association, local chambers, and professional groups like Florida ACG Capital Connection.

Gil is excited about this next step in his career – and even just a few days into his new role, he knew he’d found the right fit thanks to the great INB team. When a customer issue came up, he was able to call Jamie Singer in INB’s Deposit Operations and quickly resolve it.

“I know INB wants us to succeed and put backing behind us,” he says. “That’s the type of bank I want to work for.”

We’re proud to share that two INB team members were honored with prestigious awards during the event:

• Kelley Himmelberg received the Woman of Impact award, celebrating her influence, innovation, and dedication to shaping the future of banking.
• Samantha Patrick was named Woman on the Rise, a recognition given to emerging leaders who are paving the way for future success in the banking world.

These awards are a testament to Samantha and Kelley’s commitment to excellence, leadership, and community impact. Their achievements reflect the values we hold dear at INB and inspire us all to continue striving for growth and meaningful change.

Kelley Himmelberg: Woman of Impact

Kelley Himmelberg exemplifies what it means to be a Woman of Impact—within INB, in our community, and across the banking industry. Over her 25-year tenure at INB, Kelley has played a pivotal role in shaping the culture and growth of the bank as our VP and Director of HR. Her institutional knowledge, leadership, and unwavering commitment have helped guide INB through periods of transformation and success. She’s not only witnessed the bank’s evolution—she’s been instrumental in it.

Kelley’s dedication to fostering a positive workplace culture is evident in the initiatives she champions. From implementing a recognition platform to organizing employee gatherings and identifying growth opportunities, she is constantly seeking ways to uplift morale and encourage professional development.

Beyond her professional contributions, Kelley has quietly guided colleagues through personal hardships, offering resources and compassion without seeking recognition. Her behind-the-scenes efforts have created a ripple effect of care and resilience throughout the organization.

Her impact extends far beyond INB. Kelley has been a dedicated volunteer with United Way and currently serves as a board member.

Samantha Patrick: Woman on the Rise

Samantha Patrick, AVP and Mortgage Operations Manager at INB, was honored with the Woman on the Rise award — a recognition reserved for emerging leaders under 40 who are making a significant impact in their industry and community.

Samantha’s journey with INB began when she was just 17 years old. Over the past two decades, she has grown alongside the bank, evolving from a young team member into a respected leader who now oversees an entire department. Her deep institutional knowledge and unwavering commitment to excellence have made her a cornerstone of INB’s mortgage operations.

She’s known for her ability to streamline complex processes, reduce wait times, and ensure a smooth experience for borrowers during one of life’s most emotional and significant purchases. Her leadership is grounded in empathy and precision, and she consistently goes above and beyond to support both her team and INB’s customers.

Samantha’s influence extends beyond the bank. She is a graduate of the Illinois Bankers Association’s Future Leaders Alliance, a 13-month program focused on leadership development, community service, and industry education. She also received the American Bankers Association’s Emerging Leaders Scholarship, which allowed her to advocate for Illinois bankers in Washington, D.C., engaging directly with congressional leaders on issues affecting the industry.

Learn More About the INB Team

We congratulate Samantha and Kelley on their well-deserved recognition and thank the Illinois Bankers Association for creating a space where women in banking can connect, learn, and lead.

Want to learn more about the people who make INB special?

Visit our Meet the Team page to explore more stories of impact, innovation, and community commitment.

Zach, who serves as VP, Commercial Lending for INB Peoria, shared about INB’s plans to grow in Peoria, including creating a new role in Joe’s areas of professional interest.

“Hearing about plans for my expertise to be utilized was very exciting. Once I was able to meet with the INB leadership team to further discuss that role, it was clear this was an opportunity I couldn’t pass up,” Joe shares.

Now we’re excited to welcome Joe as INB Peoria’s new VP, Private Client and Trust Services!

A Strong Foundation

Joe grew up in Chillicothe with an older sister and younger brother; his father worked at Caterpillar for 40 years before retiring. Joe attended St. Edwards in Chillicothe for grade school, Chillicothe Elementary in junior high, and Illinois Valley Central High School, before earning his bachelor’s degree from Western Illinois University.

Right out of college, Joe was recruited by a friend into the banking world. It didn’t take long for him to realize he had a unique gift: making personal finance easy for people to understand and helping them execute opportunities to improve their financial situations.

“That was almost 20 years ago, and I am still inspired by this basic value proposition today,” he shares.

Since then, Joe has honed his skills through leadership roles with respected institutions including JPMorgan Chase, PNC, and most recently, Busey Wealth Management. Along the way, he earned multiple licenses and designations, as well as awards for performance and leadership.

“INB’s culture and growth strategy were the two biggest factors in my decision to join the team. And I know that all of my experiences, accomplishments and designations have perfectly prepared me for my current role here,” Joe says.

In his new role within INB, Joe will provide clients with banking strategies, advice, solutions, and a high-touch experience customized to meet their financial needs.  This new role is designed to give clients a dedicated resource for all their financial decision-making.  Joe will collaborate with branch managers, commercial lenders, treasury, and wealth advisors to provide clients with seamless access to the full range of resources available at INB.

“I’ll work with our most engaged customers, providing all of the resources that INB has to offer and serving as the client’s personal CFO when looking for guidance in making financial decisions and plans for the future,” Joe explains.

Life Outside the Office

Just as Joe is dedicated to his clients, he’s equally committed to his community and family. He currently serves as Vice-Chair for the Better Business Bureau of Central Illinois Board of Directors and is a member of the Bradley Braves Club Board of Directors, supporting Bradley Athletics.

Sports play a major role in Joe’s personal life, which he shares with his family. “I’ve been married to my lovely wife Theresa, for 13 years, and she’s an alumnus of Notre Dame High School, Bradley University for her undergrad, and Illinois State for her master’s,” he says. The couple, who now live in Washington, are raising three sons: Vincent (10), Benjamin (8), and Theodore (5), as well as a 1-year-old goldendoodle named Louie.

The bulk of Joe’s free time is spent coaching and cheering on his kids at youth sport events. He also enjoys golf, collecting sports cards with his sons, and playing poker.

“And I am a big Chicago sports fan, so we are always watching the Bears, Bulls, and Cubs, and our local favorite, Bradley University Athletics,” he says.

That early interest sparked a lifelong passion for computers and problem-solving.

By high school, John was already taking programming classes. After graduation, he started with Utah Valley State College (now University) in their Computer Services department before pursuing a bachelor’s degree in Computer Science at the University of Illinois Springfield, focusing on System Security and Information Assurance.

Today, that same sense of drive and determination has brought John to INB, where he’s stepping into the role of Vice President and Director of Information Security.

“INB has a fantastic story and has served the community for years. I’m not just an employee – I’m also a customer,” John says.

From Breaking Computers to Building Security

Although John was born in the St. Louis area, his family moved to Pekin when he was very young. Over the years, he’s lived in Pontiac, Marion, and Springfield. But when he and his wife were expecting their daughter, they decided to return to Pekin to be near family.

“My wife was born and raised there, and we wanted to be closer to grandparents as we started raising kids,” John explains.

John’s career in information security began at the law firm Heyl Royster Voelker & Allen. From there, he joined Caterpillar’s Computer Security Incident Response Team, then worked for Sophos in their Managed Threat Response group, and eventually returned to Caterpillar as Team Lead of their Security Operations Center.

Juggling It All Online and Offline

While his career has been focused on tackling complex security challenges, John also makes space for balance and relaxation in his personal life. Outside of work, you’ll often find him on the water.

“I like to fish and kayak, so most weekends you can find me and part of – if not all – my family on the lake,” he shares. “I have several friends with the same hobby, and once or twice a year, we get together for a camping/fishing trip.” 

And as a true Illinois native, John is a proud Chicago Bears fan.

At home, life is lively too. John and his wife have a daughter and a son, as well as a household full of pets that could rival a small zoo: two pitbull mixes who are “absolute clowns,” a cat who “seems to rule the house,” fish for John, a couple of gerbils for his daughter, and his wife recently added Madagascar hissing cockroaches to the mix.

Managing this energetic household has certainly honed his problem-solving and chaos-minimizing skills! We know these will be useful traits for someone tasked with safeguarding information in an ever-evolving digital landscape, and we’re excited to welcome John to INB.

“I always look forward to challenges, and Information Security never fails to provide a shifting landscape with new opportunities,” he says.

If you currently receive a paper check, it’s time to make the switch. And don’t worry — INB is here to make it easy.

 How to Switch to Electronic Payments:

You have a few simple options:

• Call INB at 877.771.2316 or visit your local INB branch – we’ll walk you through it.
• Visit the Treasury Department’s Go Direct^® website, www.godirect.gov.
• Call the U.S. Treasury Electronic Payment Solution Center at (800) 333-1795 (Monday – Friday from 9 a.m. to 7 p.m. EST)

The Treasury will also be reaching out by mail to encourage recipients to make the change. You’ll be able to choose between:

• Direct deposit (recommended if you have a bank account)
• Direct Express® Debit Mastercard® (a secure option if you don’t have a bank account)

Why Go Electronic?

Here’s why switching to electronic payments is a smart move:

• Get your money faster
  Electronic payments are quicker and more reliable than paper checks. In fact, paper check recipients are 16 times more likely to experience issues than those using direct deposit.
• Safer and more secure
  No more lost or stolen checks. Your money goes straight into your account — no need to visit a branch or ATM.
• No bank account? No problem.
  The Direct Express® card is a secure, low-cost way to receive your benefits. No credit check, no monthly fees, and no overdraft fees. Just use it like a debit card for everyday purchases.

What You’ll Need to Enroll

It’s fast, free and easy to make the switch to direct deposit. Have the following information on hand:

• Your 12-digit federal benefit check number
• The amount of most recent federal benefit check
• INB’s routing transit number: 071109338
• Your Account number and account type – checking or savings

For more information, visit www.godirect.gov.

Need a new account to receive your benefits?
We’d love to help you get started — get started today.

Source: U.S. Department of the Treasury, Bureau of the Fiscal Service  

At INB, your security is our top priority. That’s why we’re sharing what you need to know about AI-powered scams—and how to protect yourself and your loved ones.

What Are AI Scams?

AI scams use artificial intelligence to mimic real people, create fake websites, or send messages that look and sound legitimate. Scammers can now clone voices, generate deepfake videos, and write flawless emails that appear to come from your bank, employer, or even a family member.

Common AI Scam Tactics to Watch For

Here are some of the most common—and convincing—AI scams out there:

1. Voice Cloning Scams

You get a call from your “grandchild” or “boss” in distress, asking for money. It sounds just like them—but it’s not. Scammers can now clone voices using just a few seconds of audio.

What to do: Hang up and call the person back using a number you know is real.

2. Fake Bank Alerts

You receive a text or email that looks like it’s from INB, warning of suspicious activity and urging you to click a link or call a number. The message may even reference real transactions.

What to do: Never click on links or call numbers from unexpected messages. Instead, contact us directly using the number on the back of your debit card.

3. Deepfake Videos and Emails

Scammers use AI to create fake videos or emails from trusted figures—like CEOs, celebrities, or even government officials—asking for donations, payments, or personal information.

What to do: Be skeptical of urgent requests, especially those involving money or secrecy.

4. Phishing with a Personal Touch

AI can scan your social media and tailor phishing emails just for you—mentioning your job, hobbies, or recent purchases to build trust.

What to do: Always verify the sender’s email address and avoid clicking on unexpected links or attachments.

Red Flags That Should Make You Pause

• Urgency or panic: “Act now or lose access!”
• Unusual payment methods: Requests for gift cards, crypto, or wire transfers.
• Requests for personal information: No legitimate company will ask for your PIN, password, or Social Security number via email or text.
• Unfamiliar phone numbers: Real bank texts usually come from short codes, not 10-digit numbers.

How to Stay Safe

• Slow down. Scammers rely on panic. Take a breath before acting.
• Verify independently. Call the person or company directly using a trusted number.
• Use multi-factor authentication. Add an extra layer of security to your accounts.
• Talk to someone you trust. If something feels off, it probably is.

INB Is Here to Help

If you ever receive a suspicious message or call claiming to be from INB, don’t hesitate to reach out. We’re here to help you verify, report, and stay protected.  Call us at 877.771.2316

Congrats to Kelley Himmelberg, Tina Baker, Audra Von De Bur, and Courtney Maszkiewicz for 25 years at the bank.

We’re celebrating Mary Belford at 20 years, Larry Hale at 15 years, and John Filbrun at 10 years.

At the 5-year mark, we have Karyssa Pedersen and Ruth Kombe.

Get to know our staff celebrating service anniversaries…

Kelley Himmelberg, VP, Director of HR

What was your favorite childhood toy or game? I’m aging myself, but when I was growing up there weren’t television shows on all day that were age appropriate. So, my brother and I played board games often. I remember that one of our favorites was Chinese Checkers. Sometimes we would be two colors to make the game more challenging.

What’s your favorite lunch spot near work and why? My favorite place is at the 425 building kitchen bar. Other employees come in as they heat up their meals or get an afternoon cup of coffee. I get to visit with a different person each day. It is a great downtime for the middle of the day, and I usually go away laughing with a smile on my face!

Audra Von De Bur, Remittance Services Supervisor

What’s your favorite holiday or time of year and why?

Halloween is my favorite holiday because it falls during my favorite time of year. I love the crisp fall air, the changing leaves, and especially all things pumpkin—pumpkin patches, pumpkin pie, and pumpkin-scented everything. What makes Halloween even better is the spooky, thrilling atmosphere that comes with it. I get excited about haunted houses, scary movies, wiener roasts and all the creepy decorations. There’s something magical about the mix of fun and fright that makes Halloween feel truly special to me.

What was your very first job?

My first job was working for an eye doctor, and it was the only customer-facing role I’ve ever had. It turned out to be a great experience for a first job, giving me the chance to learn how to interact with the public in a professional setting. I really liked the job and found it rewarding. It taught me a lot about responsibility, communication, and how to manage tasks while helping patients feel comfortable and cared for.

Courtney Maszkiewicz, Customer Care Consultant

What’s a song that always puts you in a good mood?

“We Are Family” by Sister Sledge

Where’s the best place you’ve ever visited/favorite vacation spot, and why?

My favorite vacation spot was when me and my family vacationed in Hawaii. It was the last family trip before mom passed. She was hesitant to parasail, and I talked her into flying tandem with me. The laugh and smile on her face was priceless.

Tina Baker, Remittance Specialist

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

If I had an all-expenses-paid vacation, it would be to Disney World and to go see my dad who moved to Florida two years ago.

What’s your favorite holiday or time of year and why?

My favorite holiday is Halloween because my daughter was born in October and we celebrated together every year.

Mary Belford, Mortgage Funding Manager

What was your very first job?

My first job was at Chuck E Cheese, and I LOVED IT! I was a cashier, birthday party attendant, and occasionally “Chuck E”. I still have great memories dancing, singing, and making cotton candy. So fun!

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

Definitely Paris! I took French in high school and would love to visit one day!! I am obsessed with the culture.

Larry Hale, Courier

What’s your favorite way to spend a long weekend?

My favorite way to spend on a long weekend is playing golf.

Jon Filbrun, Director of Closing

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

If we are talking everything-paid, unlimited budget, I am going right to Star Wars Galaxy’s Edge, to let my inner child run wild on the franchise that I have loved since I was a kid. Unlimited trips on the Millennium Falcon, building lightsabers, the Droid Depot, and soaking in a galaxy far, far away….

Where’s the best place you’ve ever visited/favorite vacation spot, and why?

This one is tough. I have been to some fun places, but the one I have been to the most would be in Kansas City, Missouri at Arrowhead Stadium. Give me a weekend trip down there to cruise around, eat some BBQ, and feel the energy and thrill of a football game anytime.

Karyssa Pedersen, Branch Manager

What’s a song that always puts you in a good mood?

Any song by Morgan Wallen instantly lifts my mood. I love his music — there’s just something about his voice and lyrics that hits the right note every time. And seeing him live in concert? Even better!

Where’s the best place you’ve ever visited/favorite vacation spot, and why?

Since I was young, my family has made annual trips to the Great Smoky Mountains in Gatlinburg, TN. There’s truly nothing like waking up to the peaceful, quiet mornings in the mountains and soaking in everything the area has to offer. I can’t wait to keep this tradition going with my own family — it’s a place that always feels like home.

Ruth Kombe, Branch Operations Supervisor in Bloomington

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

I would visit Brazil. I am fascinated by their culture, specifically their food and music.

What’s a song that always puts you in a good mood?

Any upbeat Christian song.

We’re excited to officially welcome Madchen as AVP, Consumer Lending Manager at INB!

“I am looking forward to building a strong Consumer Lending presence in the community, while also developing my team into leaders,” she says.

Madchen’s career in banking began at Wells Fargo, where she started in a call center, worked her way up to a client relations role, and later, moved into underwriting and management. Most recently, she was part of the team that completed valuation products for the bank. 

“I have a passion for helping customers and getting them in the house of their dreams, or helping them keep their home and prevent foreclosure,” Madchen shares. “I’ve had the privilege of traveling all across the U.S. working directly with customers, sales, and teams for collaboration and growth of the organization.”

While she’s spent a lot of time around the country, her roots are in Central Illinois. Madchen grew up in Carlinville, but her family relocated to Florida when she was a senior in high school. She missed the Midwest, however, and quickly moved back to the area.

While living in Evansville, Indiana, taking classes at the University of Southern Indiana, Madchen worked at Chili's – and eventually decided to transfer to the Springfield Chili’s location in the late 90s. In Springfield, she met her husband, Tim, and the couple raised their two children: daughter Kaelyn is now 20 and works as a teacher at a daycare in Kansas, and son Cale is a senior at New Berlin High School.

Over the years, Madchen has given back to her community in a variety of ways, including involvement with Big Brothers Big Sisters, and she looks forward to engaging in more volunteer opportunities now that her children are older. In her free time, she also enjoys reading, riding a motorcycle with her husband (“getting wind therapy on two wheels!” she says), and spending quality time with her family and friends.

We’re glad Madchen embraced this new opportunity at INB, and we look forward to the expertise she brings to INB and our clients.

“With my 20+ years in the mortgage experience, I am excited to take my big bank experience and use that to grow our community with a more customer-focused experience,” she says.

Welcome, Madchen!

INB recently opened our new branch in Tampa, a strategic investment in both community and customer experience.

But what actually goes into making that happen?

Hiring for Success

A successful branch relies on the right people – otherwise, all we have is a building!

Strong leadership is the cornerstone of every successful branch and plays a crucial role in building out the rest of the team, ensuring the branch reflects our core values, supports our growth and delivers the service INB is known for, according to Kathy Greer, SVP, Retail Executive Manager at INB.

“Many of our leaders join us from other financial institutions, so they bring with them a strong network of talented professionals. That makes it easier to identify and recruit experienced individuals who already have the skills and mindset we’re looking for in our retail positions,” Kathy says.

At our Tampa branch, our Florida Market CEO Allen Brinkman is leading the charge, alongside private banking manager Boris Habimana and Michelle Contreras, relationship banker.

“The staff in Tampa has proven to be exceptional, and it’s been a pleasure to provide some initial training and continue to support their development,” says Kelly Raison, VP, Retail Operations and Process Improvement Manager.

Training to Make Banking Easy

Hiring great people is just the beginning. Rigorous training ensures every team member is prepared to deliver the excellent service INB is known for, from Day One.

Nadine Mackenzie, Retail Administrative Assistant & Training Officer, always recalls her mentor’s advice: ‘investing in training and development leads to the most significant return on investment a company can have.’

“As a training team, we know that knowledge is power, and we hoped that our enthusiasm helped to instill that in the Tampa team,” she says.

Before opening, INB’s team participates in an intensive training program focused on operational and regulatory procedures, INB products and services, team building, and INB standards and core values.

“These areas form the cornerstone of a successful launch,” Kelly says. “As we traveled to Tampa for training, our goal was to emphasize key operational areas that are critical to branch success and ensure the team aligns with INB’s values in every customer interaction.”

The consistency that comes from a well-trained staff across all branches builds trust and loyalty, which are critical in banking relationships, Nadine says.

“We even continue training beyond the opening with weekly check-ins and coaching meetings, so that the staff feels confident to execute INB’s vision of making banking easy for all Tampa customers,” Nadine shares.

Behind the Scenes

From ordering equipment to setting up vendor services, opening a new branch is a carefully coordinated process involving countless moving parts.

“At INB, we rely on a comprehensive checklist that guides us through every step of the process. Regular planning meetings help ensure everything stays on track,” Kathy says. “This isn’t something one department handles alone; it takes collaboration across multiple departments to get the new branch up and running.”

Equally important is compliance. Before a branch can open its doors, every detail must meet strict regulatory standards. This means verifying proper licensing, ensuring all disclosures and signage are in place, adhering to ADA accessibility guidelines, and coordinating with our compliance and legal teams to confirm the branch meets banking laws and consumer-protection requirements.

Behind the scenes, our project team also works together to ensure the branch operations follow security protocols and to integrate the new branch into the bank’s core systems, from secure networks to digital signage.

One of our biggest enhancements is our new Interactive Teller Machines (ITMs).  “ITMs allow us to offer the best of both worlds: the convenience of self-service and the personal touch of a live Video Teller,” Kathy shares. “Whether someone wants to handle a quick transaction on their own or speak with a teller for more personalized service, ITMs make it easy.”

Investing in the Community

For INB, it’s not just about logistics. It’s about building roots.

We’re so excited to open our doors in Tampa, becoming part of the community fabric and investing in Tampa’s future for years to come!

Now, her leadership is being recognized with a promotion to Assistant Vice President, Director of IT Operations Improvement and Project Management!

A creative team player and self-described extrovert, Amanda thrives on building lasting relationships and collaborating with others. This makes INB a natural fit for her.

“I like working with multiple departments on a variety of projects,” Amanda says. “I enjoy being able to make an impact on a project’s success.”

Since arriving at INB, Amanda has been instrumental in establishing and formalizing our project management office. Her strategic direction has successfully guided multiple technology and operational initiatives, resulting in significantly improved efficiency and positive project outcomes.

In her new role, Amanda will assume additional responsibility for IT operational improvement. She’ll lead efforts to foster a results-driven culture focused on performance optimization. This includes overseeing process redesign, managing change initiatives, and developing and monitoring quality metrics to ensure continued excellence within the IT department.

Amanda’s broad skillset includes expertise in project and event management, community outreach, marketing, and communications. Prior to joining INB, she spent 12 years managing Memorial’s Festival of Trees, a Christmas-themed fundraising event for Memorial Hospital in Springfield.

Coming on board at INB, she has enjoyed diving into IT and the ever-changing technology within the banking industry.

“I have learned so much from my colleagues at INB, who have an incredible amount of institutional knowledge,” she says. “INB encourages personal growth and supports its employees’ development. I recently received my Prosci Change Practitioner certification, which will enable me to lead organizational change.”

There’s no doubt Amanda’s leadership will continue to be instrumental in INB’s growth and success, and she’s eager to continue making an impact.

“I'm excited to be able to add more value, and I look forward to working with the IT team on continuous improvement and optimizing operational efficiency and quality,” she shares.

Congrats Amanda!

“I’m always working to make a positive impact on everyone with whom I meet or interact with!” he says.

Boris might find it easier than most to connect with people from around the world since he speaks four languages – in addition to English, he’s also fluent in French, Kinyarwanda, and Swahili! He was born in Rwanda in East Africa and grew up in the beautiful Great Lakes Region of Africa until he immigrated to the United States in 2012.

Boris is no stranger to the banking industry: his financial career began when he was hired to set up the first call center at a large bank in Rwanda. That opportunity opened doors in both banking and project management in that region.

After moving to the United States., he leveraged his extensive banking experience to pivot to retail banking, where he spent 12 years.

Now Boris is making connections with people all over the Tampa, Florida community as VP, Private Banking Manager for INB’s new Tampa branch.

Serving as the Face of INB Branch Banking in Tampa

“I was drawn to INB because of the company mission, culture and the incredible team with whom I am privileged to work alongside,” he says.

Boris is especially excited about the grand opening of INB’s newest physical branch in Tampa. INB has planted roots in the vibrant heart of South Tampa, at 2222 W. Swann Ave., where Boris is welcoming in Bay-area INB customers.

“I’m thrilled about the new branch opening and ready to let our Tampa Bay community and beyond know that we are here to provide a personalized high-quality experience through our boutique banking model,” Boris says. “It’s a beautiful, modern space that reflects the energy of this city. I’m looking for the opportunity to work with more clients face-to-face, offering the personal service you expect from a local bank.”

Community, Sports and World Affairs Part of Everyday Life

Boris is married to his wife Holly and has a 9-year-old son. In addition to being with his family, he spends time outside of the office playing and watching sports, following past and current global geo-political trends, and traveling and exploring new places.

Boris also gives back to his local community by serving as a member of the Tampa Bay Chamber of Commerce Minority Business Accelerator Council, helping to drive forward their mission of assisting Black and Hispanic businesses in the area to reposition themselves to attract capital, scale their operations and increase their sustainability in the marketplace. 

At INB Tampa, he looks forward to doing what he enjoys most: cultivating connections and partnering with clients to help them lead financially successful lives.

“At INB, I am most excited to help clients achieve their financial milestones and goals,” he says.

The VA Interest Rate Reduction Refinance Loan (IRRRL), also known as the VA Streamline Refinance, is a program backed by the U.S. Department of Veterans Affairs. It’s designed specifically for veterans with an existing VA home loan who want to refinance to a lower interest rate or shift from an adjustable-rate mortgage (ARM) to a fixed-rate one.

IRRRL is one of the simplest and most cost-effective refinancing options available. This loan is all about giving veterans a way to lower their monthly payments without a lot of paperwork or hassle. It’s our way of continuing to serve those who have served.

Minimal Requirements, Maximum Convenience

The IRRRL comes with significant advantages compared to traditional refinancing:

• No Home Appraisal Required – In most cases, borrowers can refinance without needing a new appraisal.
• No Income Verification – The streamlined process doesn’t require proof of income when working with INB. 
• Lower Out-of-Pocket Costs – Most closing costs can be rolled into the new loan amount, reducing upfront expenses.
• Faster Processing Time – The reduced documentation requirements mean the loan can typically close more quickly.

The IRRRL must be used to refinance an existing VA-backed loan, and the new loan must result in a tangible financial benefit—usually a lower monthly payment. Cash-out is not allowed through the IRRRL, but for many veterans, the monthly savings are well worth it. You do not need to have an INB mortgage to qualify.

Helping Veterans Build Financial Stability

Veterans don’t always know that this program exists or that they qualify. At INB, we’re working to change that.

There’s no obligation to apply, and any INB lender would be happy to review your current loan, explain your eligibility, and show you what an IRRRL could do for you.  Veterans interested in exploring the VA Streamline Refinance can reach out to an INB lender.  

Learn more about this program here.

What is Business Email Compromise?

BEC, also referred to as email account compromise (EAC), is a type of cyberattack where criminals impersonate someone you trust—like a vendor, employee, or even you—to trick your team into sending money or sensitive information. These emails often look legitimate and are timed to catch you off guard.

Unlike spam or obvious phishing scams, BEC is targeted, convincing, and costly.

Why You Should Be Concerned

In 2025, BEC attacks have become more frequent and more sophisticated. Small and mid-sized businesses are now the #1 target, with average losses exceeding $120,000 per incident. And here’s the kicker: most of that money may never be recovered.

How Business Email Compromise Can Hit Your Business

• Fake Invoices: A scammer poses as a supplier and sends a realistic invoice with new payment details.
• CEO Fraud: An attacker pretends to be you and asks your finance team to urgently wire funds.
• Payroll Diversion: Hackers trick HR into changing an employee’s direct deposit info.
• Vendor Account Takeover: A real vendor’s email is hacked and used to send fraudulent requests.

These attacks often happen during busy periods—like tax season, holidays, or while you're traveling—when your team is more likely to act quickly without double-checking.

How to Protect Your Business

Here are five practical steps you can take today to protect your business from BEC:

Train Your Team: Make sure employees know how to spot suspicious emails and verify unusual requests. 

Here are a few BEC Training tips:

• Simulate phishing emails: Run regular, realistic phishing simulations to test and train employees.
• Teach the signs during onboarding and consistently remind team members: Show examples of suspicious emails—look for urgency, misspellings, or unusual requests.
• Encourage skepticism: Reinforce that it’s okay to double-check, especially for financial or sensitive requests.  Picking up the phone to call someone for confirmation of requested changes is a good first step!
• Use the “hover test”: Teach staff to hover over links to see the real URL before clicking.

1. Use Two-Step Verification: Require multi-factor authentication for email and financial systems.
2. Verify Payments: Always confirm changes to payment details or large transfers by phone or in person.
3. Business Fraud Protection: Understand and consider Fraud Protection services, such as Positive Pay.
4. Secure Your Domain: Use email authentication tools like SPF, DKIM, and DMARC to prevent spoofing.
5. Have a Response Plan: Know what to do if you suspect fraud—time is critical in recovering funds.

BEC isn’t just an IT issue—it’s a business risk. But with the right awareness and safeguards, you can protect your company, your clients, and your bottom line.

Contact INB to learn more about implementing Fraud Protection Services for your business. 

Sarah Phalen, INB President and CEO, shared her thoughts on the program:

“Our internship program is more than just a summer job—it’s a chance for students to explore their passions, contribute meaningfully, and grow both personally and professionally. We’re proud to support these future leaders and grateful for the energy and insight they brought to INB.”

Let’s meet the 2025 INB Summer interns:

Lily Randolph

College: Indiana State University
Degree: Double major in Accounting and Finance, concentration in Analysis
Expected Graduation: May 2026

Lily chose Indiana State for its perfect balance—close enough to home in Chatham, IL for weekend visits, yet far enough to foster independence. At INB, she’s contributed to the Accounting Team by preparing weekly economic summaries, refreshing year-end audit material, and crafting data visualizations for monthly reports. On campus, Lily is the President of the Investment Club and holds executive roles in Alpha Kappa Psi, Beta Gamma Sigma, and a student-led volunteer group.

Outside of work, Lily plays guitar, sweats through Zumba classes, travels whenever she can, and plays pickleball with friends and family.

Fun Fact: Her all-girls 5^th grade basketball team once competed in an all-boys league—earning a spot on the Today Show and The New York Times!

Advice for future interns: Don’t be afraid to ask questions. No one expects you to know everything on day one, and your colleagues will be eager to explain their work and show you how you can add value.

Curtis Roselle

College: Northwestern University
Degree: Economics, Pre-Law Track
Expected Graduation: 2028

Curtis joined INB to gain hands-on experience in banking and finance—key areas for his future career in corporate law. He worked on developing an AI model to assist with credit write-ups and loan risk management.

At school, Curtis is the treasurer of Lutheran Campus Ministries at Northwestern (LCMNU), where he combines faith and financial stewardship.

Favorite Quote: “If you don’t play to win, don’t play at all.” – Tom Brady

Max Pilipovic-Kljajic - not shown

College: University of Illinois Springfield
Degree: MS in Computer Science
Expected Graduation: December 2025

Originally from Australia, Max played Division 1 tennis at Eastern Illinois University before becoming a Computer Science teaching assistant at UIS.

This summer, Max worked on an AI-powered chatbot that helps employees with IT questions.  The bot can create, edit, and view submitted IT tickets.

Outside of work, Max enjoys programming, playing sports, going to the gym and living a healthy lifestyle. 

Fun Fact: Max is a proud Sigma Pi alum and a passionate chess player, thanks to his dad.

Advice for future interns: Find what you love and showcase your passion in a way nobody else does.

Zach Rouland

College: Truman State University
Degree: Business Administration, Marketing Concentration
Graduated: May 2025

Zach’s college journey began with football and a strong connection to Truman’s coaching staff.  At INB, Zac led the development of a School Banking Program to bring financial literacy to middle schoolers, an initiative that aligns perfectly with his passion for helping others.

Outside of work, Zach is a die-hard Colts and Cardinals fan and loves spending time with friends and family.

Fun Fact: He’s a twin! His sister Ashtyn works in Washington, D.C. as a Press Secretary for a U.S. Representative.

Biggest inspiration: “My parents. Their sacrifices have shaped my work ethic and drive.”

Interns like Lily, Curtis, Max, and Zach remind us why investing in young talent is so important. Their curiosity, creativity, and commitment to excellence make them invaluable members of the INB family. We’re so proud of the impact they’ve made—and we can’t wait to see what’s next for these future changemakers, perhaps even a future career in banking!

Thank you to our INB interns for a summer full of impact, growth, and inspiration.

Why Summer is Ideal for Financial Lessons

With fewer academic commitments, children have more time and energy to take on chores, summer jobs, or entrepreneurial activities like mowing lawns, running lemonade stands, or babysitting. These are great opportunities to teach how earning money works – and just as importantly, how to manage money wisely.

As a mom, I know how important it is to prepare kids for the future in ways that are engaging and age-appropriate.  I’ve seen firsthand how much my kids enjoy the independence that comes with managing their own money, it builds confidence and responsibility.

Tools That Make it Easy to Educate and Save Money

Greenlight has been a valuable tool for families to help educate children and give them the freedom to spend and save. Greenlight is a money app and debit card for kids.  It connects chores to allowance or one-time payments, helping children learn real-world money management in a safe environment.  INB families can join for free*, making it an easy way to get started.

Learn more about Greenlight and register here.

How Much Should You Give for Allowance?

A common question parents ask is: How much allowance should I give my child?

According to T. Rowe Price’s 14th Annual Parents, Kids & Money Survey:

• The national average for allowance is $19.39 per week
• 35% of parents pay in the range of $11–$20 per week
• A popular method: $1 per year of age ($7/week for a 7-year-old)

Smart Strategies for Teaching Children About Money

Every family is different, and there’s no one-size-fits-all approach to financial education. Whether or not you use allowance, here are some effective and fun ways to help your child build money skills:

Set Clear Goals

Help your child understand the why behind money—whether it’s saving for a toy, giving to a cause, or learning to manage spending.

Tie Money to Effort or Chores

Many families tie allowance to chores. You could assign tasks with payments per completion, set up a weekly chore checklist, or keep allowance separate from household responsibilities entirely. Greenlight makes it easy to track chores and payments.

Make it Fun

• Play money-themed games like Monopoly or The Game of Life.
• Try a grocery store challenge: give your child a budget and a list to see if they can stay within budget.
• Let the kids plan a family outing with a set budget—they’ll quickly learn how fast money goes!

Understanding and Build Real-World Experience

Finally, consider your child’s financial knowledge. Do they understand budgeting? Do they have savings goals? Their level of understanding can help determine how much freedom you give them with their allowance and what additional guidance they may need. 

Take your child(ren) to a bank, open up a checking or savings account and give them the opportunity to get hands-on experience.   Find a local INB Branch near you and allow our expert bankers to assist you in your financial educational process.

Don’t Let Summer Slip By

Summer flies by so use this time to build your child’s financial confidence.   With tools like Greenlight (free* for INB checking and savings account customers), it’s easier than ever to start teaching money skills that will last a lifetime.

Disclosures

*INB, National Association customers are eligible for the Greenlight SELECT plan at no cost when they connect their INB, National Association account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, clients will be responsible for associated monthly fees. See terms Greenlight for details. Offer ends 11/22/2027. Offer subject to change and partner participation.

That local-first mindset makes Alysse a perfect fit for her new role as INB’s Director of Marketing and Communications.

“I love working for a local company versus a big corporation. I wanted a role at a bigger company but still rooted in the community,” she says. “I’m super excited to grow a brand that has been around but has plans to expand.”

While Alysse hasn’t always lived in Springfield, her time away only deepened her appreciation for central Illinois.

After high school, Alysse attended Indiana University, earning a degree in marketing and journalism with a focus on public relations.  The first six years of her career were spent in Chicago, working for Nickelodeon’s Kids & Family digital advertising division. She became well-versed in digital strategy and consumer targeting while managing national campaigns for brands like LEGO and McDonald’s.

Her husband Steve is originally from the Chicago area. He now laughs that it only took as long as the flight home from their honeymoon for Alysse to ask him to move back to Springfield.

“I wanted to raise my kids here and be closer to family,” she says. Now the couple has two kids – Leighton is 8 and Graham is 6 – who keep their parents chasing them around to many different activities.

In her spare time, Alysse also enjoys Pilates and playing in a weekly women’s golf league. She gives time to community efforts, like serving as an Ambassador for Hope School, and loves traveling with her family, especially Kiawah Island and Florida.

For the past 11 years, Alysse served as Chief Experience Officer and Marketing Director at Troxell Insurance Agency. When she saw a blog post from INB’s longtime marketing director Marilyn Titone Schaefer encouraging applicants for the position as Marilyn prepared to retire, Alysse decided to take the leap.

“I felt like the position would give me the new challenge that I was looking for,” she shares. “I’m excited to focus on growth marketing and branding. That was a big selling point for me.”

During her interview process, Alysse appreciated that INB’s leadership team was open to new ideas and seem invigorated to have a fresh perspective from outside of the banking industry. She’s already delving into exciting new ideas and strategies.

“INB has a strong reputation in Springfield, and I’m eager to help extend that brand recognition to the other communities we serve—particularly our newer markets in Missouri and Florida,” Alysse says.  “The people here genuinely care and are excited about what they do; I can’t wait to tell their stories.”

Welcome to INB, Alysse!

Tis the season for travel sports parents who are busy balancing their careers and personal lives with the packed schedules of their children’s sports.

“Baseball is his passion, and he puts in the work every single day to get better,” Cayla shares.

This year is especially exciting for Cayla’s family. Not only will they be traveling around the Midwest for baseball, but Greyson was also selected to represent the USA at the Latin American Baseball Classic in Santo Domingo, Dominican Republic.

“Out of thousands of kids across the country, he was selected as a catcher, and we couldn't be prouder,” Cayla says. “Watching Greyson grow as an athlete and person has been such a joy. It’s incredible to see his dedication pay off, and being able to share in his journey is something we cherish.”

All In for the Game

Cayla is one of many INB employees who go the extra mile to support their children’s athletic dreams.

Tom Whooley, commercial lender at INB Champaign, has two sons involved with the Mahomet Diamond Dogs, and he also serves as treasurer of the organization – budgeting for tournaments, ordering uniforms, tracking fundraising, and fielding questions from parents.

Last year, Tom’s sons played a combined 110 games between March and July, traveling from Omaha to Indiana with barely a weekend off. This year promises the same.

“If you’re a parent involved in travel baseball, you know there’s no such thing as a ‘normal weekend’,” Tom says. “For my family, our calendar revolves around tournaments, practices and hitting cages. Life is anything but slow-paced.”

INB Communications Officer Lindsay Van Zele knows the feeling. Her two middle school-aged daughters play club/travel volleyball, with the season starting in the fall and ending in May. Her oldest, Addison, also plays travel softball, which starts in January and ends in July.

“I love seeing them excel at what they love doing,” Lindsay says. “When you put in time for practice and games, it’s great to see improvements in both skill and attitude. The biggest challenge: being in two places at one time!”

A Balancing Act

Juggling practices, games and work requires serious planning – and help from family. And Lindsay and her husband Nate, who is AVP, deposit operations at INB, have their own responsibilities outside of the office to work around too: Lindsay serves on the Pleasant Plains Village Board of Trustees and Nate serves as treasurer of their church council.

“Making sure we are at those meetings first and then coordinating who’s driving who to our kids’ sporting event – whether it be in Springfield or two hours away for a weekend tournament – is super important,” Lindsay notes.

Cayla is quick to point out her gratitude for INB’s understanding and flexibility.

“Balancing work and sports life takes planning, but my husband and I are fortunate to work for companies that value family and offer the flexibility needed to support Greyson,” she says. “We also have a great support system of family and friends who step in when needed.”

While family dinners may not happen regularly, Tom says his family prioritizes quality family time during car rides. He also appreciates the ability to work from the bleachers between games or answer emails during warmups, staying on top of his bank responsibilities and client relationships.

“With kids on two different teams, there are weekends when my wife and I are in different cities, trying to juggle two schedules and still stay connected as a family. You learn to live out of a duffel bag and be okay with fast food dinners,” he says. “It can be a grind, but the one positive thing is most of these tournaments don’t start game play until Friday afternoon.”

On Deck

While many INB staff are seasoned travel sports parents, we have more who are in the “on deck circle.” Zach Ponder, commercial lender at INB Peoria, has been supporting his oldest son’s passion for baseball and soccer for several years, traveling around the Peoria area for rec games and helping to coach his baseball team.

And his schedule is about to get a whole lot busier: Zach’s son just made a local competitive soccer team. While Zach and his wife are a little nervous about adding to a calendar that includes activities with two younger children, they’re also happy to see their son pursue this new journey.

“We’re excited for Will to play and get this experience and to see his growth over the next year in a sport he loves,” Zach says. “And we know this phase won’t last long, so we just want to remember to enjoy every minute of it – no matter how chaotic and hectic it might get.”

Lindsay offers great advice for Zach and other fellow travel parents: stay organized and budget-conscious!

“Travel sports are a big commitment. Make sure you have support to assist with driving to practices and games,” Lindsay advises. “Also, keeping your finances in check is a must. I try to remember packing snacks for away games and bringing our own refillable water bottles. Spending extra money on the road coming and going from games and tournaments is super easy to do.”

Is it worth the extra expense and intense schedule, though? All of our parents agree: absolutely!

“Supporting my kids through the season is one of the most rewarding parts of parenting. I get a front-row seat to their growth – not just as athletes, but as teammates, competitors, and young men learning life lessons through the game,” Tom shares. “There’s something special about watching them bounce back from a strikeout or pull together as a team after a tough loss. The pride in their eyes when they execute a big play, the camaraderie in the dugout, the shared postgame ice cream stops – they’re moments you just don’t get back. I wouldn’t trade them for anything.”

That’s right, I’m the trusty INB Interactive Teller Machine, at your service. And I promise, I can make banking faster and easier for you – so don’t be intimidated by my new technology!

That said, I do have a few preferences. If we’re going to be banking buddies, here’s how you can help keep things running smoothly from your end…

DO: Feed Me Neatly
Think of your cash like you’re handing me a fancy invitation. I love bills that are flat, crisp and unfolded. Crumpled or torn money? Eh, not so much. I might spit it back out, or even get confused. Just give those bills a quick pat-down before inserting them, and we’re golden!

DON’T: No Bundles Please
I’m sorry to say that strapped or bundled cash totally throws me off my game. I need bills to be loose and ready to roll solo. So don’t forget to unwrap that bundle and let each bill breathe a little.

DO: Watch My Screen
I’m not just a pretty face! My screen is full of helpful instructions to guide you through every step. I promise I’m not trying to be bossy – I just want to help walk you through everything helpfully.

DON’T: Rush Me
I know your day is packed, but trust me – a few extra seconds of prep can save you from a whole lot of headaches. Make sure your checks aren’t dog-eared, your cash is clean and your info is accurate before you hit that “submit” button.

DO: Tap for Help
I need to admit a little secret: I’ve got real people backing me up. I mean, I can only handle so much! Our ITM tellers are the best: if something’s not working or you just need a little reassurance, tap the screen during business hours and you’ll be face-to-face with one of our friendly INB team members.

Let’s Be Deposit Besties
At INB, we believe banking should be easy… and with a little teamwork, it totally is. So next time you stop by, treat me right, follow the prompts and don’t be shy about asking for help.

Together, we’ll make every transaction smooth, speedy and maybe even a little fun. 

Want more help? We’ve got how-to videos about each task you might want to do at our ITM!

Watch them here.

Previously, the closing used to take an hour, with a big stack of documents dropped in front of the customer, so “it was a bit intimidating,” says Gregg Formigoni, SVP, Mortgage Lending at INB. 

The team brainstormed how to deliver documents electronically to our customers before the closing date, giving them time to read and review everything in advance.

That’s when Jon Filbrun personally took on the challenge and “changed the way we do business,” Gregg shares. Jon piloted the very first successful test of a mortgage e-note.

An e-note is an electronic version of a promissory note that is signed, transferred and managed digitally – all with a “seal” to ensure it hasn’t been tampered with. Now most of INB’s mortgage loan documents can be signed online, so when home buyers come to the closing table, it only takes 10 minutes.

“We were impressed by how Jon’s creativity and problem-solving broke through barriers,” Gregg says. “Changing the status quo is never easy, and it took persistence, training and research to pull this off properly.”

Collaboration Brings Creativity

Jon’s initiative demonstrates one of INB’s Core Values in action: Creative. Each of our Core Values lay the foundation for a culture that encourages collaboration, facilitates innovation and guides our strategic priorities. Our other values include Teamwork, Assertive and Enthusiastic, Working Smart, Caring and Balance.

Creativity at INB can be found in the obvious places: the new social media campaign by the marketing team or the innovative software solution implemented by the IT department.

But creativity runs much deeper than that, quietly powering our daily tasks and project execution. Across virtually every department every day, employees are encouraged to think differently and try new approaches when it comes to internal process improvements or making our customers’ banking experience just a little bit easier and more seamless. 

Creativity = Fun = Success

“Creativity is important because it can make our jobs easier and more fun,” says Amanda Donley, INB Chatham Branch Manager. “It allows us to think outside the box and gives us flexibility in parts of banking when banking can be black and white with the policies and regulations that we must follow.”

Amanda recalls how creativity helped fuel a successful referral campaign at the branch level. As the campaign launched, branch teams were encouraged to consistently thank customers for banking with INB and invite them to refer friends or family.

Karyssa Pedersen, Branch Manager at INB Wabash, saw an opportunity to streamline the process. She created a detailed, easy-to-use spreadsheet that tracked the number of referral slips handed out at each branch, making the campaign a fun, lighthearted competition. The branch with the most referrals won a prize.

“It was nice that Karyssa used her imagination and created the spreadsheet that made it easier for us,” Amanda says. “It was extremely helpful for tracking!”

You might not think of creativity when it comes to a numbers-focused industry like banking. But at INB, creativity comes in many forms, from tech innovation to a well-designed spreadsheet. And no matter where it shows up, the focus is the same: better tools, stronger teams and exceptional service for our customers.

In an increasingly connected world, parents need to help kids understand the risks of digital spaces. Our advice?  Learn, teach, overshare, and repeat.

Have the Conversation About Fraud

Kids encounter digital fraud tactics every day, whether through phishing emails, fake giveaways, or social media impersonators. Parents should talk openly about these schemes and explain how to recognize them. Use real-life examples and emphasize that it’s always okay to double-check with a trusted adult.

Jamie Singer, vice president of deposit operations, regularly reminds her family not to panic if they receive a frantic text or phone call. “I told them if you don't know the person, it's okay to hang up. Don't always trust the number that may appear to be calling you, as that number could be spoofed." she says.  "Call your trusted banker - me, in this case - or use the number on the back of your debit card or the one on the institution’s website." 

Kelly Raison, vice president of retail operations and process improvement, echoes the warning: “If it sounds too good to be true, it’s a scam. Rarely do companies send texts to urgently collect money—so no, you don’t owe the IRS money!”

Both experts stress that even if a message doesn’t raise alarms, kids should never engage with strangers online. It’s easy for someone to pretend to be a peer. One message to share with children: "Online, people can easily hide their identity. Just because someone says they’re 12 and like the same games you do, doesn’t mean it’s true."

Define Personal Information and Why It’s Valuable to Scammers

Children may not understand what counts as sensitive information. It’s up to parents to explain that names, birth dates, home addresses, phone numbers, school names, profile pictures, and even usernames can be valuable to scammers.

Charlie Kerwin, another Fraud Committee member, notes that kids often overshare online. “They don’t value privacy the same way past generations did,” he says, citing the influence of social media.  Charlie adds: “Kids need to understand how the information they provide can be used against them.”

Need help starting the conversation? A good teaching moment might sound like this:

“Would you trust someone who walks up to you at the park and says they’re your friend—even if you’ve never met them? It’s the same online. Be just as careful.”

Set Clear Rules and Use Parental Controls

Parental controls, boundaries, and age-appropriate access can go a long way in protecting kids from fraud. Caeri Chiaro, senior compliance manager, delayed her daughter’s access to social media until she turned 13, despite pushback.

“She got her first iPhone at 10 for emergencies, but we set strict limits,” Caeri explains. “Once she was old enough, we made sure every app had security features enabled; some apps are better than others.  But we always had conversations about what’s appropriate to share and what to do if something seems off.”

Caeri adds that she and her daughter regularly review friend lists together. “We want her to know we’re a safe space. If something makes her uncomfortable, she won’t get in trouble for coming to us.”

Make Scam Detection a Skill

Turn scam spotting into a routine activity. Show kids phishing emails or fake giveaway messages. Make it interactive; quiz them with questions like: “If someone messages you that you won a prize, but you never entered a contest, what should you do?”

Encourage healthy skepticism and reinforce that it’s smart—not rude—to double-check anything suspicious with a parent or guardian.

The Federal Trade Commission provides resources that can help with your own education.

Practice What You Preach

Kids observe their parents’ behavior. Protecting your own information, questioning suspicious messages, and being cautious online sends a strong message. When children see adults using good digital habits, they’re more likely to adopt those habits themselves.

Whether she’s organizing company-wide events or coordinating department-specific initiatives, Rory consistently demonstrates creativity and commitment to excellence. Amy Barnes is quick to describe Rory as a “true gem” who takes initiative to get the job done well and on time.

“Our INB Wealth department truly appreciates the time, thought and effort Rory puts into everything,” says Amy, Vice President, Wealth Strategies at INB. “She helps build our branding and packs our client appreciation events.”

Rory exemplifies what it means to be “Assertive and Enthusiastic,” one of our core values at INB. These values aren’t just words; they’re the foundation of INB’s culture, guiding our collaborative spirit, innovative thinking and strategic goals. Our other core values include Caring, Teamwork, Working Smart, Creative, and Balance.

Different Jobs Requiring the Same Attributes

At INB, to be assertive and enthusiastic means helping others eagerly, approaching every challenge with energy and optimism.

That definition also describes our new data specialist, Ryan Bates (pictured here), according to Cayla Keyes, VP, Retail Sales Manager.

In just two months, Cayla shares that Ryan has already made a tremendous impact. Despite having no prior banking experience, he dove headfirst into learning the ropes – spending time in branches, shadowing frontline staff and getting hands-on with how data flows through our systems.

“This helped him understand how to pull it back out for actionable insights. He was so quick to jump right in with an amazing attitude. It was almost as if he was part of the organization for years!” Cayla says.

She recently gave Ryan a well-earned internal recognition, highlighting his ability to learn quickly, integrate easily to our culture and contribute meaningfully to the team.

“His assertive and enthusiastic approach to every challenge embodies our INB core values, making him a standout addition to the organization,” Cayla says.

At INB, it’s people like Rory and Ryan who help bring our values to life… one project, one relationship and one insight at a time. 

At the time, a new job opportunity had brought her back to her hometown of Springfield, along with her husband’s role in a local family business.

“However, I soon realized that event planning in that context wasn’t the right fit for me,” she says. “But that led me to an unexpected but rewarding path in banking.”

And we’re glad she found that path – we’re welcoming Rachel to INB as Assistant Vice President and Corporate Trainer!

A graduate of Sacred Heart-Griffin High School, Rachel earned a Bachelor of Science in Applied Communication Studies with a focus in Public Relations from Southern Illinois University Edwardsville (SIUE). Later, she returned to SIUE to complete her Master of Business Administration with a concentration in Management.

Stepping into Banking

After stepping away from event planning, Rachel launched her banking career in the call center at Town and Country Bank (now Heartland Bank and Trust), eventually transitioning into the Deposit Operations department where she served as the bank’s fraud specialist.

That experience opened the door to a new opportunity with the Illinois Bankers Association. Rachel served as Director of Business and Education Services, where she partnered with member banks to assess training needs, develop customized programs and lead key initiatives, such as the Future Leaders Alliance.

“In that role, I was able to blend my communication background with my banking experience by planning educational events for bankers across Illinois, including those at INB. Through that work, I developed a deep appreciation for INB’s culture and people, making the decision to join the team an easy one when the opportunity arose,” Rachel says.

Outside of her full career, Rachel is the proud wife of Stephen and a busy mom to two young boys, Benjamin (3.5 years old) and Harrison (22 months).

Building on Training Culture

Community involvement is important to Rachel as well. She currently serves as Chair of the Executive Committee for RISE Springfield, an organization she helped create to support young professionals through development, networking and service.

That work, coupled with her service on the American Bankers Association’s Emerging Leaders Council – where she collaborated with peers nationwide to shape leadership-focused education and networking opportunities within the industry – earned her a spot on the Springfield Business Journal’s Forty Under 40, a recognition that reflects her commitment to professional excellence and community involvement.

Rachel’s strong combination of banking expertise, educational leadership and community engagement will be valuable asset to INB’s growth. In her role, she will collaborate with our management team to build and sustain a consistent, impactful training culture.

“At INB, I’m excited to build an internal training program from the ground up,” Rachel says. “My goal is to collaborate with employees to identify their needs, develop meaningful solutions, and foster strong relationships. I’m passionate about leveraging the knowledge and expertise of our staff to enhance their careers and contribute to INB’s continued success.”

We’ve planted roots in the vibrant heart of South Tampa, at 2222 W. Swann Ave., and we look forward to welcoming you in for business or retail banking in the Bay area.

While our physical branch may be new, INB is no stranger to the Tampa region – we expanded into Florida two years ago and have been working with commercial and private clients around Tampa Bay since then, helping local businesses thrive with tailored financial solutions.

“Since INB’s expansion into the Florida market, the bank has experienced remarkable growth, with assets now exceeding $750 million,” says Allen Brinkman, SVP, CEO of INB’s Florida Market. “This extraordinary demand presents a compelling opportunity to continue to better serve our clients through the establishment of a full-service private banking branch in Tampa.”

Our new space reflects the community we’re proud to serve: a modern atmosphere and team of local financial experts ready to service customers with quick decision-making and the trusted security that comes with banking locally.

Making Banking More Personal

In addition to our growing team of Florida-based commercial lenders, one of our new team members is Boris Habimana, who joined INB Tampa last year. Now, as Vice President and Private Banking Manager at our new Tampa branch, Boris is doing what he loves most: helping clients navigate their financial goals and build a future they’re proud of.

Boris thrives on creating connections, whether through work, travel or volunteering as a member of the Tampa Bay Chamber of Commerce Minority Business Accelerator Council, which helps local Black and Hispanic businesses start and scale.

“At INB, I am most excited to help clients achieve their financial milestones and goals,” Boris shares. “I was drawn to INB because of the company mission and the incredible team with whom I am privileged to work alongside.”

Banking Built for Tampa

With our new branch and expanding team, we’re excited to deepen our roots in Tampa as a dedicated partner in the community’s continued economic success.

“Our commitment to the Tampa market has grown steadily over the years,” Allen says.  “Establishing a full-service branch allows us to build even stronger relationships with our customers and offer the personalized service INB is known for – right here in their own community.”

“Thanks for the hard work, patience, and determination!” he wrote.

At INB, recognizing team members for a job well done is more than just a kind gesture; it’s a reflection of the core values that guide everything we do.

For Steven, INB AVP and Loan Servicing Manager, the core value of Teamwork was essential in completing a major project alongside Courtney and Emily.

In 2023, the remittance department was short-staffed, and only the most critical reporting tasks were being maintained.

“Emily and Courtney each took an agency and set of accounts and spent about 45 days combing through 18 months of data, identified our process gap causing our outages and brought both back into balance,” Steven shares. “Also, they now balance these accounts monthly. So, it was great teamwork to get them into balance, and now they’re working together to keep them there!”

Our core values at INB – Teamwork, Caring, Assertive and Enthusiastic, Working Smart, Creative, and Balance – aren’t just words on a wall. They shape our identity and how we serve our customers and communities every day.

Core Values in Action Across Departments

Teamwork, in particular, plays a crucial role in how we support each other and our clients. Respect, cooperation and shared responsibility help us create the best possible outcomes.

Branch manager Natalie Cain experienced this when she needed assistance with customer loans in Florida. She turned to Justin Coy’s expertise as a loan underwriter.

“He has gone above and beyond to help me,” she says. “These loans are much more complex, but he’s always happy to help and answer any questions and he’s even gotten on conference calls with me and the commercial lenders in Florida. I feel fortunate to have an underwriter so willing to help out.”

Cross-Branch Support Strengthens Client Service

Teamwork at INB doesn’t stop at the doors of a single branch – it spans across locations to meet the needs of our customers.

Katelyn Cooper, senior teller at INB Mt. Pulaski, noted that commercial lender Dawn Hockett, who is based in Fairmount, IL, is “such an asset to our team in Mt. Pulaski.”

Dawn regularly makes the trip to Mt. Pulaski to meet with clients and work with the branch team there.

“She helps our clients understand the ins and outs of their loans and what would be best for them,” Katelyn shares. “We love seeing her when she makes the journey over to us – she always has a positive attitude and is the first to answer any questions we may have. We’re thankful for her and her kindness.” 

Karyssa, our Wabash branch manager, remembers a woman who came to her looking for a personal loan to cover medical expenses and pay off some high-interest credit cards. Right away, Karyssa realized that the maximum unsecured loan at INB is $7,500, and her customer needed twice that.  While taking a closer look at the woman’s accounts, Karyssa noticed she had a mortgage with INB.  Karyssa says, “So I started running some numbers, and realized she had enough equity in her home to qualify for a $20,000 Home Equity Line of Credit (HELOC).” Karyssa still remembers the look of relief on the customer’s face.

This wasn’t a one-time case. Karyssa explains that many customers are overwhelmed by debt but don’t realize that their home can be the key to better financial footing. “I recently worked with someone juggling 10 to 12 credit cards, all accruing nearly 20% interest. “Through a HELOC, we consolidated everything into a single monthly payment—dramatically lower and much more manageable.”

Beyond debt, Karyssa has helped clients use HELOCs to fund basement remodels, replace roofs, and even install backyard pools. “Some customers open a HELOC just as a safety net,” she says. “They love that they only pay interest on what they use, and that the annual fee is just $50. It’s far more affordable than most credit cards.”

Making the Process Seamless

For Wes Thompson, a relationship banker, the power of a HELOC lies in its versatility—and in the peace of mind it can bring.

“One of our mortgage lenders referred a customer who had five credit cards with interest rates ranging from 23.74% to 29.15%,” Wes recalls. “Her minimum monthly payments alone were $565, and she wasn’t getting anywhere.”

Wes worked with her to secure a $15,000 HELOC at an interest rate of about 7.75%, slashing her monthly interest payment to just around $100. (This is a rate we've offered recently, and your interest rate and APR may be different.) With a single, streamlined payment, she finally had room to breathe—and as she paid down the balance, those funds would become available to use again if needed.

“I even convinced her to open an INB checking account so we could automatically deduct payments,” Wes says. “That knocked another 0.25% off her interest rate.”

And when life threw another curveball—her van broke down—Wes was there again, transferring funds directly from her HELOC to her new INB checking account so she could purchase a reliable vehicle immediately.

“After we closed, I sent out the checks to pay off her cards. Then when the car situation came up, I had the money in her account that same day,” Wes says. “She called it seamless and convenient. That’s exactly what we want the experience to be.”

Understanding the Tools

At INB, customers can choose from two powerful home equity options:

• Home Equity Line of Credit (HELOC): A flexible, revolving line of credit that allows homeowners to borrow as needed against their equity. HELOCs typically feature variable interest rates and interest-only payments during the draw period. They're ideal for ongoing or unpredictable expenses like home improvements or emergency needs.
• Home Equity Loan: A one-time, lump-sum loan with a fixed interest rate and set monthly payments. This is a better fit for major one-time expenses like debt consolidation, tuition, or a significant home project with a clear cost.

Both options let homeowners unlock value from their properties, but choosing the right product depends on their needs, preferences, and financial goals.

What sets INB apart isn’t just competitive rates or fast closings—it’s the care, creativity, and commitment from people like Karyssa and Wes. As Karyssa puts it: “It’s an incredible feeling to show someone that the door isn’t closed—that they do have options.”

“Wes saw some red flags, and I was concerned because I knew what the customer was requesting was not his normal behavior,” Pam recalls. “We also spoke with our compliance team about the situation.”

Eventually, Wes asked the customer to come in to help resolve what ended up being a fraud scheme.

Pam commends Wes for asking thoughtful questions and helping the customer feel at ease rather than at fault. “This was a case of Wes working smart; he listened to our customer and took action right away,” she says. 

Thinking Through to the Right Solution

“Working smart” is one of INB’s core values, each of which lay the foundation for a culture that encourages collaboration, facilitates innovation and guides our strategic priorities. Our other core values include Caring, Teamwork, Assertive and Enthusiastic, Creative, and Balance.

When it comes to working smart, our team looks at each day as an opportunity to learn and be independent in our thinking.

This was certainly the case for Wes, whose quick thinking saved his customer from being a victim of fraud and potentially losing a large amount of money.

“Our customer was very upset and nervous, and it was a pretty emotional time for all of us, but he was so thankful that we recognized the scam and stopped him. Just being there for him and his wife through this scary time was so important and something they will never forget,” Pam shares. 

Working Smart to Help a Remittance Customer

Audra Von de Bur, INB’s Remittance Services Supervisor, also commends a fellow staff member for “working smart.” INB was approached by a local organization with boxes of records dating back to the 1980s. They contracted INB to scan those documents, make searchable PDFs, and then shred the physical copies.

“These documents had been in a closet, had been wet at one point and were on old pin feed paper, which was old, smelly and brittle,” Audra shares. “Our Lockbox crew, along with Dale Kroening, now a Federal Mail Processor, spent many days tearing each page and keeping it in order in each box so that it could be scanned in the computer room.”

Tackling more than 40 boxes with at least 5,000 sheets in each box, Dale scanned all of the boxes by himself over the course a couple of weeks – even though he’d recently taken a new position at INB and was completing this project in addition to learning his new duties!

“He was meticulous in keeping all of the pages and boxes in order,” Audra says. “Dale is an excellent operator; he is thorough and takes great pride in doing a great job.”

Working smart certainly filters into other values like teamwork and being assertive, and our team at INB strives to live out each of these values through all of our actions and decisions.

“It is so important to work together as a team, listen and keep each other informed,” Pam says. “We work really hard to do that across all staff and departments.”

That’s no surprise after a remarkable 33-year career in the close-knit community of Fairmount.

And it all started with a routine errand: Lenora stopped by the local bank to make a deposit.

“It was late April of 1992, and the manager at the time asked me if I would be interested in working at the bank,” Lenora recalls. “At the time, I was a stay-at-home mom. I told him I would love to.”

That moment marked the start of a dedicated career built on relationships and reliability. And saying goodbye won’t be easy, but we’re happy for Lenora as she nears the next chapter of her life: retirement!

Becoming the Heart of Fairmount

Although she’s worked in the same building for so long, Lenora hasn’t worked for the same bank.

In 1999, First National Bank of Fairmount – which originally hired Lenora – was acquired to Illinois National Bank, now INB.

“We saw a lot of change, but this by far was the best thing that could have happened,” Lenora says. INB not only brought technology to the bank but new services like certificates of deposit and debit cards. “Our staff used to work out of drawers! We didn’t have any type of computer system,” she explains.

After so many years, Lenora has become the heart of the Fairmount branch, serving as a constant source of encouragement and positive energy for our staff and customers alike.

“I have so many great memories from over the years, but one that’s always stuck with me is when I was heading to the hospital to have my daughter Brooklynn,” recalls Megan Kepling, assistant branch manager.

Lenora went all out decorating the front window of our branch with pink balloons, “It’s a Girl” signs, streamers (“the whole nine yards!” Megan says) because she knew Megan would be driving by. She was also one of the first from the branch to visit Megan and her new arrival in the hospital.

“That’s just who she is—she’s always had the biggest heart and truly was like the mom of our branch. I’m really going to miss her when she retires,” Megan shares.

Lenora’s experience has been invaluable, especially when guiding newer team members.

“I think it helps that she has been around long enough to know some of the new and a lot of the old ways of doing things which has come in handy many times especially on the rare occasion when the systems went down,” says Dalton Toppe. “Lenora has been a great asset to INB over the years and has created a long-term relationship between the families and INB.”

What’s Next?

Lenora says her longtime career has “been a good ride, and I am now counting the days down until June 20^th.”

“I am looking forward to going to New Jersey. I have two grandkids there and can’t wait to give lots of hugs and kisses,” she says. “I will also be able to spend more time with my two grandkids that are here.”

Although she’s looking forward to seeing family more, there’s no doubt she’ll miss the many people who have become like family, both the INB team and customers. In a small town, the bank is also the place to socialize and get coffee – which means Lenora has seen multiple generations grow up.

“I have so many customers that I’ve known since they were babies. They are now parents of their own children,” she shares. “I will miss joking around with all the customers and, of course, my work gang!! We’ve laughed, and we’ve cried. But I’m very thankful for all my work people. Many happy memories!!”

Congratulations on your retirement, Lenora!

We recognize Theresa Adams and Deena Smith for 25 years at the bank. Jason Routzahn is clocking in 20 years, and Jody Bruce is celebrating 10 years.

Employees commemorating 5 years at INB include Wendy German, Joe Glessner and Katie Ramlow.

Get to know our staff celebrating service anniversaries…

Theresa Adams, Accounting Officer

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

Europe, but more specifically Italy, because the food, ancient sites, museums and history are all things that appeal to me.

Where’s the best place you’ve ever visited/favorite vacation spot, and why?

I like to go anywhere where there’s an abundance of sunshine and I can drag my family and fur babies along with me. Texas and Florida are usually the best spots for that: Texas for country music and BBQ, and Florida for fun and the plethora of activities you can do.

Deena Smith, VP, Mortgage Originator

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

I would take all 10 of my family members by letting them choose their favorite place, and just go for a week to each place and take that off their bucket list of places to see!

What’s your favorite way to spend a long weekend?

My favorite way to spend a long weekend is to be with my family and friends poolside – just relax and have no plans, which seldom happens, but when it does it’s the best!!!!

Jason Routzahn, Mortgage Funder

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

If I could take an all-expenses-paid vacation, it would probably be to go to Ireland or New Zealand. I love seeing different places around the world and those places look beautiful in pictures, so it would be great to see them in person.

What was your very first job?

My first job was part-time at Sears in the men’s apparel department. I liked learning about the business, and at the time, the mall was a hustling, bustling place. It was fun to have a job there. 

Joe Glessner, Treasury Services Associate

What’s a song that always puts you in a good mood?

Wheel in the Sky by Journey

What job did you want to have when you were a kid?

A paleontologist, because who doesn’t like dinosaurs?

Katie Ramlow, Teller

What’s your favorite way to spend a long weekend?

I like to spend my long weekends outside with my kids playing.

What’s your favorite holiday or time of year?

October, because it’s my birthday month and it’s always been my favorite time of the year with Halloween. I love the spooky pumpkins and haunted houses.

Wendy German, Senior Loan Processor

What’s a favorite memory from your childhood?

One of my greatest childhood memories was spending part of my summers with my paternal grandmother. She taught me so much about life. Another great memory is when I would walk home from school every day, and I walked past my maternal grandparents’ home. They would always be sitting outside waiting for me to come by on my way home.

Since joining INB in 2020 as a teller, Ruth has built a reputation for her ability to connect with customers and offer solutions that meet their goals. Whether she’s answering questions, addressing concerns, or simply offering reassurance, Ruth takes the time to understand what matters most to each person she helps. No wonder she’s risen through our ranks from teller to banker to branch operations supervisor to, now, assistant branch manager.

Taking Time a Prerequisite to Listening

Ruth says, “I believe in really paying attention and listening closely to customers. Once I understand their needs, I can find solutions that not only address their current situation but also anticipate what they might need down the road.”

That mindset has made Ruth a go-to resource for Bloomington employees and customers alike. She recalls helping a couple who had just moved to the area and were unsure about switching banks. Ruth walked them through INB’s Mortgage Bundle Bonus and our easy enrollment tool.  She helped them transition smoothly — and confidently — to INB. “Now they stop by just to say hello,” she says.

Showing People They Matter

For Ruth, helping people feel seen and supported is what makes her work meaningful. She approaches coworkers the same way she approaches customer service: with kindness, empathy, and a desire to build trust. “I always try to be approachable,” she explains. “I want the team here to know they can come to me without judgment. We’ll figure any problem out together.”

In just a short time in her new role, Ruth says: “One thing that really surprised me about banking is the sheer number of roles and teams working behind the scenes to keep everything running smoothly. There’s an entire 'army' of people supporting the operations, many of whom I didn’t even realize existed until I took on more responsibility. It’s been eye-opening to see how each role, no matter how behind-the-scenes, contributes to the success of the organization.”

In her new role, Ruth is looking forward to more involvement in the Bloomington community. “One of my goals is to get out and build more relationships with local businesses,” she says. “It’s outside my comfort zone, but I know it’s important — and I’m excited to grow in this way.”

Outside of work, Ruth spends time with her husband and two daughters.  Any family time -- whether visiting local parks, planting tomatoes and jalapeños, or simply laughing together at home -- helps keep her grounded and energized, she says.  Ruth also plays an active role in her church.

“At closing, they were almost in tears, so excited to finally have a place of their own,” he recalls. “Moments like that remind me why I do what I do!”

INB is thrilled to welcome Aaron as AVP, Mortgage Loan Officer, to our Champaign branch! 

Aaron specializes in a range of mortgage solutions including conventional, FHA, VA, USDA and down payment assistance loans. He also makes it a point to stay informed on industry changes to ensure his clients receive up-to-date financial advice and insights.

Calling Champaign home since 1984, Aaron points out the appeal of strong Midwestern values in the Central Illinois community: people here look out for each other, work hard and genuinely care about their neighbors.

“I love the mix of small-town warmth with big-city conveniences. Whether it’s supporting local businesses, catching an Illini game or seeing familiar faces everywhere I go, Champaign has always felt like the perfect place to live, work and grow,” he shares.

An Accidental Lender

Unlike many in the industry, Aaron didn’t set out to become a mortgage lender. He was asked to apply for a lending position by someone who thought he’d be a good fit — and he admits that person was definitely right!

“Over the years, I’ve found that I truly enjoy helping people navigate the home loan process,” he says. “There’s something incredibly rewarding about guiding someone through one of the biggest financial decisions of their life and making sure they feel confident every step of the way.”

Drawn to INB for its small-bank feel, local processing and underwriting, and welcoming culture, Aaron is excited for the opportunity to help INB clients find their dream homes and choose the loan options that best fits their needs.

“My goal is to grow the INB brand and make it the first choice for anyone looking to purchase or refinance a home,” he says. 

Outside the office

When Aaron isn’t working, he usually can be found spending time outdoors, often camping and traveling.

“I enjoy tent camping; there’s something about being out in nature, sitting around a fire, and disconnecting from the noise of everyday life,” he shares. “Some of my favorite camping spots include Starved Rock and Turkey Run, and we recently went white water rafting in Colorado.”

He also loves to cook and entertain.

“Whether it’s grilling, smoking meat, or trying out new recipes, I enjoy making great food and sharing it with family and friends. There’s nothing better than a backyard BBQ with good company!” Aaron says.

Bringing joy to new homeowners

Aaron is eager to lend his mortgage expertise to INB clients and help them experience the excitement of homeownership.

One of the most rewarding parts of his job is seeing the joy on his clients’ faces when they close on their home, he says. 

“Buying a house is a huge milestone, and after all the paperwork, planning, and waiting, there’s nothing better than handing over the keys and knowing I played a part in making that dream come true,” he says.

But that’s the opposite of what happened when INB’s Loan Operations staff found themselves on a nearly empty floor one Friday afternoon.

“Due to vacations and illness, there were just four of us – me along with Molly Siebert, Melodey Charles and Jason Filipiak – available that day,” recalls Caleb Parker, Loan Servicing Specialist.

Even so, the work definitely didn’t stop coming in.

“We were so busy, but we held it down. I can still remember how quiet it was that you could hear everyone just working… keyboards clacking, papers shuffling, calls being answered,” Caleb says. Why such dedication?

We truly care at INB

We care about timeliness, diligence and a job well done, so that our customers get what they need, exactly when they need it.

That care runs deep. In fact, “Caring” is one of our core values, forming the foundation of a culture that encourages collaboration, drives innovation, and helps shape our strategic goals.

Our other core values include Teamwork, Assertive and Enthusiastic, Working Smart, Creative, and Balance.

When we say “caring,” we mean it: our staff has empathy and respect for one another, customers, and the communities we serve. We find that the care we show one another in the workplace is reflected in our interactions with our customers.

Caleb was proud not only of how much work was done for customers that day, but also how his coworkers rose to the occasion. Referencing how they all sit together in middle row cubicles, he sent a message of recognition to the group that read: “Middle row holding it down on a Friday!”

Caring for Customers

We also love when our customers notice and appreciate that level of care. Recently, Cayla Keyes (VP, Retail Sales Manager) saw a handwritten thank you note from a customer about Naomi Salter (Relationship Banker & HSA Specialist).

The note read:

"I wanted to reach out and let you know Naomi Salter has been outstanding to work with. I first met her when I applied for a HELOC after meeting with INB Wealth. Her customer service is one of the best I have ever encountered. She has been so sweet, patient, kind and helpful.

After my phenomenal experience with INB Wealth and Naomi, I decided to switch all of my banking to INB! I just wanted to give her the recognition for how well she has treated me as a customer."

INB Wealth was confident in Naomi’s capabilities and happy to refer their client to her – and with good reason.

“Naomi's customer service is amazing,” Cayla shares. “We’re grateful for the trust that other departments place in our Retail team, and we are thankful to Naomi and our entire team for taking such great care of INB customers!”

And Taylor took a big step forward in her INB career when she was named Assistant Branch Manager of our South 6th Street Branch April 1.

Taylor has steadily climbed our retail career path since joining us in 2018. Her success is due to a mix of dedication, mentorship, and a genuine passion for banking. From her early days as a float at our North Dirksen Parkway Branch, Taylor says she embraced every opportunity to learn. Her journey has taken her through several branches, including Montvale, where she honed her skills under the guidance of strong mentors, and the busy West Wabash branch, where she expanded her capabilities with new challenges like handling foreign currency transactions.

Focus on Leadership

In 2021, Taylor found her home at the South 6th Street Branch as a banker. That transition, she says, marked a turning point in her career. Taking initiative and learning new responsibilities on her own, she began laying the groundwork for leadership. With Branch Manager Natalie Cain’s encouragement, Taylor says the idea of leadership really took hold.

Natalie adds: “What makes Taylor stand out isn’t just her technical expertise, it’s her desire to support and uplift those around her.”

Taylor elaborates: “What I find most rewarding about mentoring is witnessing the tangible growth and increasing expertise of individuals I support. Contributing to that success is truly fulfilling.”

Natalie points out that, over the years, Taylor has become a trusted resource for her colleagues. “Her ability to manage operations with confidence, even in fast-paced or high-pressure situations, is a testament to her organizational skills and problem-solving mindset. Whether she’s stepping up to train new employees or stepping in for me, Taylor leads with a calm, capable presence.”

When asked what advice she gives to new team members hoping to also find success at INB, Taylor emphasizes initiative and dedication. “Proactively pursue your goals from the outset. Ask thoughtful questions, stay engaged, and never stop learning.”

Outside of the office, Taylor enjoys the outdoors with her husband and son.

INB not only embraces her commitment, but also recently recognized Lanna’s leadership ability with a promotion to assistant branch manager at our Champaign location.

Lanna’s banking career kicked off at a time when nothing felt steady: March 2020, right as COVID-19 was reshaping things. “Starting during COVID was wild — but honestly, it ended up being the best hands-on training I could have asked for,” Lanna says. She quickly learned how to adapt, connect with customers in new ways, and offer a reassuring voice in uncertain times.

INB’s management team noticed her instinct for service and leadership. Over the years, Lanna stepped up wherever needed, helping other branches during staffing challenges and building relationships with Champaign’s business community alongside INB Commercial Lender Tom Whooley.

“When you love where you work and who you work with, it’s easy to jump in and help,” she says. “The people here feel like family.”

Making Connections

Lanna says working with Tom opened the door for even deeper connections with local businesses. “Tom’s been a mentor since day one,” Lanna says. “Working together helped me realize how much I enjoy supporting business clients — and how important it is to make banking personal.”

It’s not just inside the bank where Lanna makes an impact. She’s deeply involved in the community, taking on roles in the Catholic Daughters of the Americas Court #1070, Champaign County Freedom Celebration, Champaign Urbana Theatre Company, Champaign Center Partnership, Champaign Urbana Young Professionals, Champaign County History Museum, Business Networking International (BNI) Referral Makers, CU @ the Rotary Club, and the Champaign Urbana Jaycees.

This year, she’s also serving as the Illinois Jaycees 94th state president, an opportunity that she says blends perfectly with INB’s values. “Both the Jaycees and INB are about building up people — and that’s why I’m so proud to represent both,” she says.

Work Meets Community Involvement

The Illinois Jaycees’ focus this year is on "Building the Next Leaders from the Inside Out." The group is emphasizing growth in three areas: physical, mental, and financial wellness. Lanna was able to put together a partnership with INB to help Jaycee members better understand financial health.

As she moves into her new role, Lanna is focused on keeping the momentum going. With new faces joining the Champaign branch and fresh energy across the team, she’s excited to help both her coworkers and customers thrive.

“My goal is to make sure everyone who walks into our branch feels valued, supported, and connected,” she says. “That’s what makes INB special, and I’m honored to help carry that forward.”

When she’s not busy working or volunteering, you’ll probably find Lanna out and about with her boyfriend at a local event, a Jaycees project, or unwinding by the water at Lake Shelbyville.

“Lake life is my way to recharge,” she laughs. “Cross-stitching on the porch or floating down the river — it’s the perfect reset.”

That question sparked a bank-wide conversation — one that ultimately shaped the values we live by at INB every day.

In 2013, our HR team was inspired at a conference after hearing a representative from Zappo’s (the ecommerce footwear company) speak about the power of the company’s core values. They thought it’d be a good idea to establish something similar for the bank.

“We wanted to ensure that our culture and mission were clearly defined for both our employees and customers,” recalls Kelley Himmelberg, director of human resources.

And rather than dictate a set of values from the top down, we wanted our entire 

team to be involved. The conversation started in the manager’s meeting, and then the managers carried it back to their own departments.

“We encouraged managers to ask their staff to write down a few names of who they felt was the perfect example of a great manager or team member at INB and then think through what words they would use to describe what makes them the model employee,” Kelley shares.

The values that define INB

The ideas that came out of those discussions shaped the ultimate list of core values that INB embodies today:

• Caring: Our staff has empathy and respect for one another, customers, and the communities we serve. We find that the care we show one another in the workplace is reflected in our interactions with our customers.
• Creative: We are constantly coming up with creative solutions for customers and processes. We strive for innovation to provide better solutions for our customers.
• Teamwork: No other organization works as closely together as the INB Team. We realize that respect, cooperation, and hard work from everyone creates the best environment and result for our customers.
• Balance: At INB, our team members are our family. We help each of them to meet personal and professional goals by achieving life balance.
• Working Smart: Our team looks at each day as an opportunity to learn and be independent in our thinking.
• Assertive and Enthusiastic: We are eager and want to help everyone in our community. We reach for our goals with enthusiasm and courage.

What exactly is a core value?

Core values are more than just guiding principles; they represent our highest priorities, deeply held beliefs and fundamental driving forces behind our work.

In her long HR career, Kelley has seen firsthand how organizations thrive when they truly embrace their values, allowing leaders to make better decisions and reducing the need for stacks of policies and procedures.

“It gives everyone a foundation from which to make tough decisions and generally brings simplicity and clarity to many of these systems,” she says.

 Living our values every day at INB

 As the HR team coordinated the effort to define INB’s core values, they wanted to use those to build on the company goals, department goals and individual goals.

 “We started with the words that define our collective values and over time, have used stories to help everyone understand how those values could be put to work,” Kelley says. “It has also made it easier for new employees to understand what our culture is all about.”

 That’s why our core values don’t just sit in a handbook; they’re woven into everything we do:

• Hiring and onboarding: We integrate our values into job descriptions, recruitment strategies and interview questions to ensure we attract employees who resonate with our culture. At new employee orientations, INB leadership shares real-life stories of how the INB team demonstrates these values.
• Performance and growth: Employee evaluations include assessments of how well each individual embodies and applies our core values in their daily work.
• Strategic decisions: Every major decision at INB we’ve made since 2013, from policy changes to new initiatives, aligns with these values.

Over the years, our values at INB have laid the foundation for a work environment that encourages collaboration, facilitates innovation and guides our strategic priorities.

They’re not just words; they’re a commitment to carry out our vision to make banking easier, minimizing the financial pressures for our customers, and helping them live better lives.

Envoy Jeff Eddy, Director of The Salvation Army Clear Lake Corps and Community Center in Springfield, sees the impact of food insecurity every day. Not long ago, the pantry served about 25 families per day. In the last year, the number jumped to 45 families.

“Over the last month, we’ve been seeing in excess of 80 families a day — when we have food,” Jeff says. “That’s about 300 people who rely on us for emergency food supplies to last three days. That’s 2,700 meals. And what’s more startling is that a third of those people haven’t visited in over a year. The need is growing fast — and it’s hitting families you wouldn’t expect.”

Stocking Shelves; Filling Stomachs 

To keep up with the demand, The Salvation Army is aiming high: collecting 100,000 pounds of non-perishable food to keep the pantry stocked for the next six months.

“Having a stable food supply means we can focus on helping people move toward long-term solutions,” Jeff explains. “Every box we hand out isn’t just about the food — it’s a moment to connect, offer support, and help someone begin a path toward self-sufficiency.”

The pantry on Clear Lake Ave. serves anyone in need, providing a box of essentials once per calendar month, or more in emergencies. Each box can be a lifeline.

Jeff shared a story that continues to drive his passion for this work:

“A mother called 211 (the United Way’s help line) and found out about our pantry. She had been a stay-at-home mom, and when her husband was injured, they used up their savings just trying to get by. She had no idea how to ask for help. But when she came in and saw that she could walk out with food — with dignity — she broke down in tears. That moment re-energized our entire team. That’s the mission. That’s why this matters.”

Simple, Shelf-Stable Foods Preferred

When choosing what to donate, think shelf-stable and simple to prepare. Jeff recommends:

• Boxed dinners (like mac and cheese or Hamburger Helper)
• Pasta and jarred sauces
• Canned vegetables and soups
• Cereals and oatmeal
• Ramen noodles

“These may seem basic, but for families where both ends of the candle are burning, having a meal that’s quick and easy to prepare can relieve a lot of stress,” he says. “We also aim to provide as much nutritional value as possible with the resources we get.”

How INB Is Helping — And How You Can Join Us

INB is supporting this initiative by placing collection boxes at every Sangamon County branch. Jeff says, “INB’s support means we can reach more people, and help more families.” He adds: “Food insecurity doesn’t just affect the poor. I recently spoke with a professional chef involved in this effort who shared that they’ve had to use the pantry before. This issue touches every corner of our community.”

You can also get involved through The Salvation Army’s “Fill the Truck” events at Hy-Vee stores or by volunteering at the pantry.  Sign up to volunteer at bit.ly/sahyvee.

Cash donations can be accepted at 1600 Clear Lake Ave, Springfield, in person or by mail.  You can also donate online at: salarmy.us/springfieldfooddrive.

Rory’s green thumb sprouted early.

“I grew up on a farm and can’t remember a time when I wasn’t gardening,” she says. “As a kid, I was fascinated by bugs, dirt, and watching things grow. That curiosity never left me.”

Her love for gardening took root with her very first sunflowers, planted at just three years old with help from her mom. “I still remember how tall and majestic they were—they felt like magic to little me.” Since then, Rory has filled her gardens with everything from hostas and hydrangeas to herbs and vegetables. She has a particular fondness for basil—especially when it’s turned into homemade pesto.

“Every year, a friend and I get together for a pesto-making day. There’s laughter, the scent of fresh basil in the kitchen, and jars of pesto to share. It’s one of my favorite traditions.”

Rooted in Connections

Gardening isn’t just about food or flowers for Rory—it’s also about connection. She and her husband work together in the garden, and although her kids are grown now, they’re quick to show up when it’s time to enjoy the harvest. “The garden always brings us together—even if it’s just at the dinner table.”

You’ll find even more in Rory’s outdoor oasis: amaryllis bulbs, hydrangeas, lilies… and rudbeckia. “I love them all! Honestly, choosing a favorite feels like picking a favorite child—impossible!”

If you’re thinking of starting a garden, Rory recommends leather gloves and Fiskars pruning shears. “Branch loppers are my most favorite. I could spend hours in our yard with the loppers. Our yard is about two acres, so there’s always work to do.”

In addition to her flowers and vegetables, Rory and her husband are hive hosts for a local beekeeper. Rory shares: “It feels good to know we’re playing a small part in keeping our ecosystem healthy—and the honey is a sweet bonus!”

About Those Sugar Babies…

Rory also has a soft spot for watermelons, which ties perfectly into the bank’s “You’re One in a Melon” referral campaign. She researched and chose the Sugar Baby watermelon seeds that are being shared by our branch staff (while supplies last). Rory once grew a different variety, the whimsical Moon and Stars. Her watermelon-growing tip? “Water heavily until they flower, then ease off to help the fruit develop more sweetness.”

It’s no surprise that Rory’s love of growing things spills over into her work at INB—where we’re all about helping our customers grow their financial future. And just like a garden, the best growth often starts with a little help from others.

That’s the idea behind “You’re One in a Melon.” When you refer a friend to open a checking account at INB, you both can earn INB Rewards. It’s our way of saying thanks for helping us plant the seeds of financial wellness.

Want to join in the fun?
Stop by any INB branch to grab a packet of watermelon seeds. Then share a photo of your melon-growing adventures and tag us at @IChooseINB.

After all, gardening and great banking have one big thing in common: both are better when shared.

“I’m happy to say nothing has really changed in how I approach my clients’ needs,” she says. “But I have learned just how important transparency is to them. When I walk them through what the bank’s looking at — whether it’s a rate, loan amount, or amortization — they know I’m not just trying to sell them something. I want them to understand what’s going on and feel in control of their decisions.

That approach, she says, comes from experience — and from spending time on the other side of the table. Miranda successfully exited her first business. That gave her a firsthand understanding of the pressure, risk, and responsibility that comes with entrepreneurship.

She brings that insight to her clients. Whether helping with capital raising, structuring financial solutions, or advising on mergers and acquisitions, Miranda’s goal is always the same: give people the tools and information they need to move forward with confidence.

Expertise and Connections Make Miranda Unstoppable

Allen Brinkman, SVP, Florida Market CEO says of Miranda, “Her expertise extends to research, financial modeling, due diligence, client relationship management, and preparing detailed presentations to support investment decisions. Miranda's analytical acumen and strategic approach have been vital to the growth and success of our Florida operations.

Given her work with business leaders, Miranda’s perspective is grounded. She says, “One of the best lessons came from my grandmother. She’d say, ‘Do you want to be the kind of person who lights up a room when you walk in, or when you walk out?’ That stuck with me.”

She’s quick to credit Allen as someone who’s helped shape her career. “He’s the first person who didn’t ask me to shrink myself. He embraced who I am — strengths, flaws, and all — and helped me round out the rough edges. That kind of support doesn’t just help you grow; it makes you want to pass that along.”

That’s exactly what she’s doing now. Whether mentoring new team members or connecting with peers, Miranda is intentional about building people up and creating a collaborative environment. “I’ve learned over the years that the best leaders remove obstacles. They don’t create roadblocks. That’s what I try to do.”

A Million Reasons Why She’s Committed

Outside of the office, she’s just as committed to helping others grow. She works with 1 Million Cups, an entrepreneur-focused event series where she offers feedback to small business owners and start-up founders.

“I still get so much out of being there,” she says. “People tell me they appreciate the advice or connections I can offer. And I think it matters to see women in leadership — someone even told me recently how cool it was to see a strong woman giving feedback.”

As INB continues to grow its Florida presence, Miranda says she’s excited to welcome new faces and keep building the kind of team that business owners trust.

“There are a lot of folks down here who are fed up with ‘corporate banking,’” she says. “We’re offering something different — real conversations, local support, and a team that has each other’s back. I’m proud to be part of that.”

Megan says the relationships she’s built are what have kept her passionate about her work all these years.

“I’ve gotten to know so many of our customers on a personal level, and I love being the person they trust to come to with their questions and concerns,” she says. “It’s really rewarding to be that go-to for them.”

It’s this same dedication that caught the attention of her supervisor, Angie Zindars, AVP/Branch Manager at INB Fairmount.

“Megan has always been dependable and willing to step in and help,” Angie says. “She’s been a mentor to new staff, always going above and beyond, and the entire team respects and appreciates her. This promotion is well deserved.”

Embracing Change in a Changing Industry

Since joining INB in 2009, Megan has seen the banking world evolve in major ways.

“Oh gosh, everything has changed,” she laughs. “So much is digital now—online banking, mobile deposits, even opening accounts. When I started, everything was paper and face-to-face.”

Even how she connects with customers has shifted. “Now it’s a lot more texting and emailing. It’s definitely faster and more convenient for everyone.”

Rooted in the Community

Born and raised in Fairmount, Megan says her local ties have helped her form even stronger connections with customers.

“A lot of our customers feel more comfortable because they’ve known me for years, or they know my family. That kind of familiarity really builds trust.”

She adds that Fairmount itself is something special: “It’s a close-knit community. When something happens—good or bad—people show up for one another. It feels like one big extended family.”

Learning Through Leadership

When the branch recently went through a leadership transition, Megan stepped up without hesitation. “I quickly learned there’s a lot more to being in charge than it seems,” she says. “But our team really pulled together. Everyone had each other’s backs, and that’s what kept things running smoothly.”

Megan is focused on continuing to deliver exceptional service while supporting her team.

“To me, great customer service means making banking simple and smooth. I try to be that person our customers can count on, and I lead by example—always being helpful and consistent.”

As she settles into her new role, Megan’s goals are clear: “I want to keep up the great customer service and continue that personal touch we’re known for.”

If you’re thinking, “Am I right for the job?” Greenlight’s survey says definitely: 75% of teens say parents are their #1 trusted source for financial information. Let’s make learning money management fun and set your kids on the path to financial stability so they can live their best life.

Why financial literacy is important

According to the National Endowment for Financial Education, 80% of adults wish they were required to take a financial education course during high school.¹ When you understand personal finance basics like credit scores and interest rates early on, you can avoid money mistakes — like taking on massive student loan debt without a plan.

You can use tools like Greenlight to help your kids improve their financial knowledge. From earning to gaming, read on to discover ways to make learning about money extra memorable.

6 ways to teach financial literacy to kids and teens

Let’s get the financial fun started by talking through important money topics. From debit cards to direct deposit — your kids and teens will be financial pros in no time.

1. Put practice into play 🎮

Learning about money doesn’t happen overnight. You have to keep up with your good money habits to keep building strong financial literacy. The best way? Greenlight Level Up™, the interactive, in-app financial literacy game. It’s fun. It’s rewarding. It’s everything your family needs to celebrate and learn about money.

2. Earn money by doing chores 🧺

Last time we checked, money doesn’t grow on trees. You’ve got to earn it, and according to a recent Greenlight survey, 50% of teens are already learning how to do just that. Start by looking around the house. Are there any chores your kids and teens could help with? 

*Gestures broadly*

With Greenlight, you can assign recurring chores, automate payouts, and more, right from the app. When money — and life-long money skills — are the reward, they’ll practically run to walk the dog or put away those dishes.

3. Discover ways to make money as a teen 💡

Does your teen have big savings goals, like a new car or college tuition? Mowing the lawn might not be enough to cut it. 🤭 Dad jokes aside, your teen can start making money today and reach their goals even faster.

On the shortlist of ideas: Sell clothing or other unwanted items, work at a clothing store (hello, special discounts), or become a tutor. Greenlight also has a referrals program, where your teen can earn up to $600 per year — just by sharing financial literacy with their friends. Cha-ching!

4. Supercharge savings goals with direct deposit 🚀

Working teens can set up direct deposit so they can get paid on time, every time. They can also split paychecks across different accounts, automatically sending a percentage or dollar amount to their savings.

Teens can use Greenlight to deposit their paychecks right into savings (or spending). And skip that trip to the bank — because who needs another car ride?

5. Remember: Compound interest is your BFFL 💯

While 62% of teens have learned about savings, not all know about the power of compound interest — an easy way to build their balance. With compound interest, earnings from your savings start to earn money of their own. Mind = blown.

One classic example of compound growth: saving money in a high-yield savings account. You can also use Greenlight to put compound interest to work. From Parent-Paid Interest to 2% cash back to savings², Greenlight rewards your kids for making smart money moves.

6. Explore the world of investing — together 📈

Investing is top of mind for teens right now, with 86% of them reporting being interested in investing. But 45% say they haven’t invested because they don’t feel confident or their parents don’t know how to get started. Let’s change that.

Saving for retirement through a Roth IRA or 401(k)? That’s a great way to open the conversation on investing. You can also stock up on long-term stock strategies, like diversification. Take learning to the next level with the Greenlight app, where you and your kids can explore more than 4,000 stocks and ETFs, watch videos, and do more — together.

Make every month Financial Literacy Month.

Teaching your kids about financial literacy is infinitely better when you give them the tools to learn on their own, too. Ready for the best part? As an INB checking or savings account customer, your family can join Greenlight and play Level Up for free. Sign up today. Greenlight

Footnotes:

¹NEFE, 2022.

¹GOBankingRates, 2022.

¹National Payroll Week, 2022.

²Greenlight Select families can earn monthly rewards of 1% per annum on an average daily savings balance of up to $5,000 per family. To qualify, the Primary Account must be in Good Standing and have a verified ACH funding account. See Greenlight Terms of Service for details. Subject to change at any time.

Tom’s collaborative mindset has helped INB continue to grow its presence in the Champaign-Urbana market. From the beginning of any client relationship, he makes it a priority to involve other departments — whether that’s wealth, treasury, mortgage, or retail.

“It’s always better to have another set of eyes and ears involved,” he says. “I’ve been fortunate to have great partners who jump in to help cultivate the relationship. We’ve had great success because of that team approach.”

“Honestly, my main focus has always been to build relationships with my clients,” Tom says. “As the relationship builds, I’ve found that the additional opportunities come with it.”

Building the Future of Banking in Champaign

As INB’s footprint grows in Champaign, Tom has his eyes on increasing market share and further embedding INB in the community.  “My goal is for everyone in the community to know who INB is and why it’s such a great institution to work with,” he says.

That means continued involvement in community events, nonprofit work, and building up the INB team locally. Tom envisions bringing more of INB’s experts to Champaign full-time, allowing the bank to expand even faster.

As for his own portfolio, he’s focused on a handful of top prospects, developing strong, creditworthy relationships that contribute to the bank’s overall growth.

“If we can help these clients maintain and grow their businesses, that’s a win for everyone,” he says.

Adapting to an Evolving Industry

With more than 20 years in banking, Tom has seen the commercial lending landscape evolve — from shifting interest rates to the next generation of business owners stepping up. While lending fundamentals remain steady, the environment continues to change.

“There are more banks now than ever, which increases competition,” Tom notes. “But our leadership team is innovative and keeps a close eye on technology that can help us grow.”

He also sees room for industry-wide improvements that could level the playing field, such as more standardized pricing and underwriting criteria — though he admits those changes are unlikely anytime soon.

Leading by Example

Tom's dedication to the community is just as strong as his commitment to clients. He’s involved in the Champaign County Chamber of Commerce, Rotary Club, and other nonprofits — not just as a participant, but as a leader.

“Being visible, involved, and most importantly, engaged, helps promote INB in the community,” he says.

It’s a balancing act, but one Tom embraces. He believes in aligning professional goals with causes that matter personally. That alignment keeps him energized and motivated. “I love coming to work and engaging with the staff, my clients, leadership, and prospective clients,” he says. “It doesn’t feel like a chore when you love what you do.”

A Career Built on Trust and Tenure

Looking back, Tom is most proud of the long-term relationships he’s built — not just with clients, but also with the institutions he’s served.  “I didn’t do a lot of job hopping. I’ve only worked at a few different banks. I look at INB as, hopefully, where I will retire,” he says.

To those just starting in banking, Tom offers this advice: “Learn every aspect of the business. Understanding retail, mortgages, wealth management, and commercial lending builds a strong foundation for success.”

And when it comes to commercial lending specifically? “Spend time learning credit analysis and underwriting the right way. That knowledge builds confidence, and the sales side will follow.”

What Is SIM Swapping?

SIM swapping, also known as SIM hijacking, occurs when fraudsters manipulate a mobile phone carrier into transferring a victim’s phone number to a new SIM card under their control. Once they have access to the number, they can intercept calls and text messages, including those used for two-factor authentication (2FA) codes like the ones we use at INB. This allows them to reset passwords, take over email and banking accounts, and, in some cases, steal money directly.

How Does SIM Swapping Happen?

Fraudsters use these methods to get the information they need to execute a SIM swap:

• Social Engineering: Cybercriminals impersonate you and convince a mobile carrier’s customer service representative to transfer your number to a new SIM card.
• Phishing Attacks: Attackers gather personal details (such as your date of birth, Social Security number, or account details) through fake emails, phone calls, or social media scams.
• Data Breaches: If your information has been leaked in a breach, criminals may use it to impersonate you when contacting your phone carrier.

If you’re unexpectedly not getting calls or text messages, ask someone you trust to call you.  If the call goes elsewhere, it’s time to contact your cell phone provider.

The Risks to Banking Customers

For banking customers, SIM swapping is particularly dangerous because many financial institutions rely on SMS-based authentication for account security. If a fraudster gains control of your phone number, they can:

• Receive 2FA codes and gain access to your online banking accounts.
• Reset passwords for services linked to your phone number. Services include email, which can then be used to reset passwords for other services.
• Authorize fraudulent transactions, potentially draining your accounts before you even realize what’s happening.

How to Protect Yourself from SIM Swapping

• Use App-Based Authentication Instead of SMS

Instead of relying on SMS for two-factor authentication, switch to an authenticator app like Google Authenticator, Duo or Microsoft Authenticator. These apps generate codes that are not tied to your phone number, making them more secure.

• Set Up a PIN or Passcode with Your Mobile Carrier

Most mobile carriers allow you to add an extra layer of security by requiring a PIN or passcode before making changes to your account. Contact your carrier to set this up if you haven’t already.

• Be Wary of Phishing Attempts

Never share personal details via email, text, or phone calls unless you initiated the conversation with a trusted source. Scammers often pose as banks, phone companies, or government agencies to trick you into giving up sensitive information.

• Monitor Your Phone for Unusual Activity

If your phone suddenly loses service or displays an “emergency calls only” message, it could indicate a SIM swap attempt. Contact your mobile provider immediately to check for unauthorized changes.

• Enable Account Alerts

Set up alerts on your bank accounts to receive notifications for logins, password changes, and transactions. If you receive an alert for an action you didn’t initiate, take immediate steps to secure your account. You can set up these notifications inside of INB’s digital banking service.

What to Do If You Suspect a SIM Swap

If you suspect you’ve been targeted by a SIM swapping attack:

• Contact Your Mobile Carrier Immediately to report the unauthorized transfer and regain control of your number.
• Change Your Passwords for any accounts linked to your phone number, especially financial institutions.
• Alert us! INB will monitor your accounts for suspicious activity.
• Report the Fraud to the Federal Trade Commission (FTC) and your local authorities.

At INB, we take your security seriously. If you ever suspect fraudulent activity on your accounts, contact us immediately. By staying informed and taking proactive security measures, you can better protect yourself from the growing threat of SIM swapping.

According to Greenlight, the all-in-one money app for families, their surveys show 93% of teens believe they need financial knowledge to achieve their life goals — and 97% of parents agree. So, why do teens average below-passing grades on the National Financial Literacy Test?

The truth: Personal finance courses are still a work in progress, and other learning materials can be too dry or complex for even the most money-savvy adults.

This got the team at Greenlight’s gears turning. They asked, “Can we flip the script on financial education and make it… fun?” Then, they got to work and built the answer:  Green light’s financial literacy game for kids and teens.

Meet Greenlight Level Up™ — the game-changing money game

Greenlight Level Up™ is a financial literacy game for kids and teens that unlocks money confidence for life. Built by academic and game design experts, Level Up™ goes beyond national standards for K-12 personal financial education.

Learnings come to life as players put their money skills to work in real life with their Greenlight app and debit card. Kids and teens can use what they’ve learned today — and build smart money habits for life.

Lock in learning with Greenlight’s financial literacy game

Level Up’s™ curriculum teaches financial literacy to kids and teens using a results-driven approach. Greenlight’s team identified the outcomes that kids and teens need to succeed. Think: money knowledge, skills, and confidence (a.k.a. the secret sauce to achieving life goals). Then, they designed a curriculum that takes players’ money skills to the next level.

Each lesson builds on the other using an educational matrix that’s connected back to — you guessed it — the outcomes. Players can follow the recommended path or choose their adventure based on what interests them. And with topics like spending, investing, earning, and saving, Level Up™ covers relevant skills that kids and teens can use right away.

Inside the Greenlight Level Up™ game

Level Up™ players cruise through bite-sized challenges to earn coins and get rewards. Each challenge is packed with multimedia content that blends education and entertainment into story-driven gameplay. Why? Research shows that our brains organize words and images separately — this intentional combo of words, illustrations, and sounds deepens learning.

Level Up™ puts players’ money knowledge to the test in a way that feels nothing like a test. The questions encourage them to think big with relatable scenarios and real-life money decisions. Greenlight built an inclusive experience aimed at multiple intelligences to make the content enjoyable and effective — for everyone.

Money skills for today, tomorrow — and for life

At Greenlight, financial literacy for kids and teens is the name of the game. That means finding new ways to empower them with money skills, knowledge, and confidence.  Now, there’s a fun way to take personal financial education beyond K-12 national standards with Greenlight Level Up™. Kids and teens get a head start with hands-on learning — and put their skills to work in real life as they learn to navigate the world of money. We’ll be cheering them on every step of the way.

Want in? As an INB checking or savings account customer, your family can join Greenlight and play Level Up™ for free. Sign up today.

“My mom always had the most beautiful garden and flowering trees,” Pam, INB’s Peoria branch manager, shares. “She loved nature. That love for gardening is something I’ve carried with me ever since I was young.”

Pam’s flower beds are now full of well-established perennials, and she fills the rest each year with vibrant annuals. But it’s the vegetable garden she shares with her husband that brings the most satisfaction.

“We plant all kinds of tomatoes, cucumbers, onions, hot peppers—even sunflowers for the birds,” she said. “There’s nothing like a fresh cucumber and onion salad, or homemade salsa with vegetables you grew yourself.”

This spring, Pam’s trying something new: growing Sugar Baby watermelons. She’ll be planting them at home—and in a pot at the Peoria branch.

“We’ll do a little comparison,” she laughed. “I’ve never grown watermelons before, but I do know they need space. We’ll see what works best!”

Pam’s best advice for gardening newcomers? “Keep it simple. Invest in good dirt, maybe till in some compost, and expect to spend time weeding. A small garden tiller makes all the difference for us.”

From Tomatoes to Teamwork: Growing at INB

This season, Pam’s not the only one planting something new. At INB, we’re launching a campaign titled, “You’re One in a Melon.”  It’s a referral program that celebrates the joy of growth, both in the garden and in your financial life.

Starting April 1, INB customers can stop by their local branch for a free packet of Sugar Baby watermelon seeds. We're encouraging everyone to grow their own melon and share their gardening success on social media by tagging @IChooseINB.

But even more exciting? This is your chance to refer a friend to open a checking account and grow together — just like our Peoria team members do in their gardens. 

Meet Nicole: From Lavender to Laughter

For Nicole, INB’s Senior Teller in Peoria, gardening didn’t start with joy—it started with a little resistance.

“My grandma and mom loved to garden. When I was little, I hated it!” she admitted. “But as a homeowner, I now see how rewarding it is. Gardening helps you feel good, enjoy the sunshine, and make your home look beautiful.”

Nicole especially loves growing flowers and herbs in her backyard. Her favorite? Lavender.

“I use it in so many things—essential oils, teas, lotions. And the bright purple color makes me happy every time I see it.”

While she hasn’t grown watermelons herself, her mom has. “Her tip? Never let the soil go dry!”

Gardening brings plenty of relaxing moments, but Nicole has had her fair share of surprises too. “The very first time I gardened flowers in my front yard light pole area, I reached for the soil feed and a bird came right into the bag. I screamed and yelled and didn’t go back outside ‘til the next day lol.”  “So silly, right!?” she adds.

She loves how gardening helps her recharge. “It’s a way to get outside, get some sun, move around, and feel like you accomplished something real.”

Plant the Seed

At INB, we think good banking is a lot like gardening. It starts with a strong foundation, the right tools, and people who care about your growth.

As Nicole put it:

“INB is like top-quality soil. We’ve got the resources—sun, water, and air—to help people thrive. I see our customers grow here, and that’s what makes this place special.”

So grab your seed packet, start your garden, and think about who you could invite to grow with you. Whether it’s a friend who needs a new checking account or a neighbor who’s always wanted to try gardening, this spring is the perfect time to plant the seed.

Let’s grow together!

Some INB customers have received texts that look like they are coming from us. Unfortunately, it is extremely easy to impersonate using any phone number . . . even active phone numbers like INB’s 217-747-5500.  These bogus text messages are designed to trick you into sharing sensitive information, like your debit card number, PIN, online banking login, or other personal details. And once a scammer has that information, it’s easier for them to access your accounts.

What is Smishing?

Smishing combines “SMS” (short message service) and “phishing.” It’s a scam tactic used to trick people into giving away sensitive information. In this case, the scam comes through a text instead of an email.

The FBI provides these examples of smishing messages:

• “Suspicious activity detected on your account. Click here to verify your identity.”
• “Your debit card has been locked. Call 1-888-XXX-XXXX immediately.”
• “Urgent: Your online banking session has expired. Sign in now to restore access.”

These texts may even include INB’s name or appear to come from a familiar-looking number. But don’t be fooled; legitimate financial institutions will never ask for sensitive information through text.

What to Do If You Receive a Suspicious Text

If you get a message that seems suspicious:

1. Don’t click any links or call the number in the message.
2. Don’t reply to the message—even if it says “Text STOP to unsubscribe.”
3. Report the message to INB by calling us at 217-747-5500 or 877-771-2316 or stopping by your local branch.
4. Forward the message to 7726 (SPAM), a reporting service supported by most major wireless carriers.

The Cybersecurity & Infrastructure Security Agency (CISA) also reminds people:

“Never respond to an unsolicited text message… If in doubt, contact the company directly using a phone number or website you know is real.”

How INB Protects You

INB takes your security seriously. We monitor for fraud, provide tools like debit card controls in our mobile app, and stay on top of scam trends to help keep you informed.

If we ever need to contact you about your account, we’ll do it through secure online banking messages or a direct phone call from a verified INB employee. We will never ask for your account information through a text message or email.

How You Can Stay Safe

To protect yourself from smishing:

• Be cautious with texts from unknown numbers—even if they appear to come from INB.
• Never share personal or financial information via text.
• Set up transaction alerts in your INB online banking account.
• Use strong passwords and change them regularly.

If something feels off, trust your gut—don’t click, don’t respond. Reach out to us directly so we can verify any messages and help protect your account.

“I’ve never been one to settle and have always wanted to learn as much as I can,” Ashley shares.

Ashley quickly discovered that her manager and coworkers at INB would give her the support she needed to explore new endeavors, even as she moved out of the retail space. And over the past eight years, Ashley’s expertise and leadership have made her an invaluable asset to our team. 

Because of her dedication, Ashley has been promoted to Deposit Operations/ACH Officer!

“INB has proved to be a good fit for me because I value teamwork and INB does too. I haven’t met someone at INB that isn’t willing to help where needed or answer any questions I may have,” she says. “I’ve been blessed to have supportive managers that have pushed me to be my best and have challenged me to get outside of my comfort zone.”

INB Career Takes Hold

Ashley first started her career at INB in the Retail Department in 2017, where her exceptional service set her apart. She transitioned seamlessly to Deposit Operations in 2019, quickly excelling in ACH (Automated Clearing House) processes.

In October 2024, after months of dedicated study, she earned her AAP (Accredited ACH Professional) certification, a testament to her commitment to professional growth.

As our ACH expert, Ashley leads daily operations, ensuring compliance, accuracy and efficiency. She proactively identifies process improvements, streamlining workflows and increasing operational effectiveness. 

“I’ve always enjoyed building relationships with clients. Working in ACH Operations has allowed me to become familiar with our originators and to continue to connect with clients as needed,” Ashley says.

“I also enjoy the technical side of ACH Operations,” she adds. “I like to know the ‘why’ behind the processes and procedures, and I enjoy being able to think creatively to come up with new solutions to improve in areas. ACH is always changing, so there is always something to learn! 

No Plans to Slow Down

Beyond her technical skills, Ashley is a patient and effective trainer, mentoring new staff and fostering a collaborative work environment. We’re confident that Ashley’s promotion will further strengthen our ACH capabilities, enhance team development and contribute to INB’s continued success.

Ashley says she’s looking forward to becoming more knowledgeable in the realm of faster payments. She has no plans of slowing down!

“It’s rewarding to know that my efforts are recognized, but that doesn’t mean there aren’t more stars to shoot for!” she says.

While it may not be the most exciting way to use our time, we know that investing in ongoing training and professional development is not just regulatory. Equipping our team with updated information about compliance, security, ethics, and fraud prevention ultimately protects our operations and our customers.

So what exactly does that look like?

“Across the board, we use an electronic format for coursework, which is assigned to different divisions,” says Kelley Himmelberg, INB’s director of human resources. “Every employee trains on highly regulated issues like ethics, identity theft, and physical security, like making sure their computer monitors lock when the staff member steps away from their desk.”

Each division in the bank takes on at least five trainings every quarter. All new employees jump right into the training when they come on board as well.

We know it’s crucial to disseminate accurate information and products that are safe, secure and compliant. Because of that, our operations and retail staff undergo particularly intensive training.

RETAIL: Training our Front-line Defense

Our employees, especially our retail department, are often the first line of defense against cyber threats, fraud and other security risks.

“Our staff is committed to staying ahead of emerging threats,” shares Dee Pedersen, manager of INB’s Customer Call Center and Interactive Teller Machine team. “We meet regularly to discuss the latest fraud trends in our area, complete quarterly security training courses, and remain vigilant in identifying potential risks.”

“When we detect an increase in fraud or security concerns, we act quickly—alerting management so we can proactively inform both our staff and our customers,” Dee adds. “Our dedication to ongoing education and swift action ensures that every transaction is secure, every product is safe, and our customers’ financial well-being remains protected.”

Training programs help our team recognize suspicious activities and handle sensitive customer information properly.

“Our tellers are mentored through a mentorship program and go through meticulous compliance training – everything from overdraft and error resolution to preventing elder abuse,” Kelley shares. “We know that regular customers at some of our branches may get frustrated when asked for an ID by a new teller, but they are simply following safety protocol for the customer’s protection.”

DEPOSIT OPERATIONS: Trained for Security Behind the Scenes

Under the leadership of Jamie Singer, INB’s Deposit Operations team has embraced cross-training to become more versatile and effective, with every team member trained in multiple areas.

“This approach not only builds resilience within the department but also enhances our ability to adapt to new challenges,” says Missi Searcy, AVP, Deposit Operations. “A significant part of our work involves reviewing spreadsheets, but within those numbers lies our mission: balancing everything that flows through the bank. If something doesn’t add up, we dive in to identify and correct the issue, ensuring the bank remains in perfect alignment.”

Our frontline teams, like loan officers and branch managers, rely on Deposit Operations for behind-the-scenes support and security, making training all the more compelling.

“We ensure that every process aligns with regulatory and compliance standards. This dual focus protects the bank and its customers, reinforcing trust and reliability, Missi says. “As the banking world evolves, we actively monitor and adapt to changes in deposit-related processes, ensuring our operations reflect the latest industry developments.”

PROFESSIONAL DEVELOPMENT: Staying Ahead of the Curve

We also have seen firsthand at INB that well-trained employees resolve issues efficiently and build stronger relationships with clients by providing accurate information and service.

Because of that, we encourage continuous learning for all our staff.

“We have the green light from our leadership team to educate our employees,” Kelley notes. “As HR director, one of my tasks is registering staff for classes and different events. Managers look at their entire division to see where we might need to shore up their training, and then encourage staff to attend a conference or other professional development opportunity.”

Many at INB attend events like Economic Investment Day at the Capitol as well as Illinois Bankers Associations conferences.

Kelley and her colleague Jenni Snow (AVP, Human Resources) are both members of the local chapter of the Society of Human Resource Management. Together, they attend meetings with various HR reps across industries for monthly trainings on specific topics, as well as a nationwide conference every other year. 

“We always encourage employees to attend conferences so they can learn newest and most innovative products, discover new resources to help customers and form relationships with fellow banks,” Kelley says. “Conferences help us be better performers on the back end.”

Overall, INB clients can be assured that across the entire bank, the INB team is at the forefront of all things security, compliance, and innovation. In an increasingly complex financial landscape, prioritizing training and education today ensures long-term success for our bank and our customers.

When someone suggested I write a farewell blog, I wasn’t initially in favor. But then I realized it was a great chance to give a firsthand look at the job of INB’s Communications Director.

Create the Job

When I was hired, I was asked to launch INB’s social media presence, manage advertising and community involvement, and support department initiatives. The framework was loose, so I jumped in and figured it out as I went. It helped that my coworker—and now right-hand-woman—returned from maternity leave, and we tackled the work together. But while I was on my own, I learned popcorn bags are essential, paint is cheap, and marketing manages Christmas decorations.

A big part of the job is writing—lots of it—and editing, too. I focus on social media, advertising, internal communications, and administrative tasks like documenting plans and working with vendors. I’m grateful to have talented colleagues and outside partners to coordinate, design, produce, and schedule the work we do.

One of my favorite compliments came from our CEO, Sarah Phalen, who said I gave INB “a voice.” But really, our leadership has the voice—I just help share it. Another colleague once said, “You sit in a meeting, take our jumbled thoughts, and turn them into something we can share.” To that I say, “Journalism 101.”

If you want this job, you need to be a strong listener and an even stronger writer.

Meet the Team

Everyone was patient as I learned banking (previous experience was insurance.) Early on, our CFO gave me a crash course in how banks make money (very helpful!). I learned the ropes -- department structures, products (who knew there were different types of checking accounts?), and compliance regulations.

People here “get it done.” Long-time employees tell stories of execs approving loans, then taking out the trash on their assigned nights. That mentality still exists. As communications director, expect to clean closets, decorate offices, plan parties, and be involved in nearly every initiative.

Make Friends

When COVID hit in 2020, INB stayed open. Non-customer-facing staff quickly transitioned to working from home, where we didn’t miss a beat. Sarah often says we succeeded during that time because of the strong in-office relationships we’d already built—and I believe that’s true. Those friendships made remote work easier and more effective. If your early to-do list simply reads, “Meet People; Make Friends,” you’ll be successful.

Keep It Moving

INB prides itself on moving quickly. We advertise fast loan approvals and efficient mortgage processes. That speed carries into marketing. If we need to launch a campaign today or order promo items for an event next week, we can probably do it. But to succeed in this role, you’ll need to understand bank marketing compliance and act fast -- think days, not weeks. The structure here supports this!

Try New Things

I’ve always appreciated our leadership’s openness to innovation. When I first proposed a new idea, the response was, “Well, we won’t know if we don’t try.” That mindset gave me room to test, learn, and evolve.

I hope my replacement brings their own fresh ideas.

Keep Learning

INB leadership encourages continued learning. Sarah and our HR team support reading business books and participating in professional development. My team and I have attended social media conferences and communications training both in-person and online. Learning is part of the culture here. You just need to make the effort to identify opportunities and take them!

Core Values

INB doesn’t change its strategy or messaging every year. Our leadership builds on long-term goals and sticks to our core values: Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. These values have been consistent since I joined and likely since INB’s founding in 1999. With that kind of stability, the Communications Director can plan confidently and effectively.

Apply Now

This job has given me incredible freedom to shape marketing strategies and contribute to INB’s growth. While it’s tough to measure marketing’s exact impact, I like to think our efforts played a part in the bank’s success.

As I retire, I want this role to go to someone who cares deeply about the team, values excellence, and wants to keep INB moving forward. If that sounds like you, apply today: Jobs | Banking Careers at INB.

Choosing to pay an allowance is a personal decision for every family. First step: Consider your goals. The purpose of an allowance is more than just giving kids financial freedom. An allowance is an opportunity to practice real-world money management — and make mistakes with parent guardrails in place.

How Much? How Often?

While there are no official rules, age 5 or 6 is an average starting line to receive an allowance. When they get older, they get wiser (and usually get more money). Remember your goal? It will evolve as your kids grow up. In the early days, the takeaway lesson will be simple: You can buy this or this. But you have to save up for that.

Once they get the hang of the basics, you can go deeper with budgeting. With Greenlight’s money app for families, you can automatically divvy up their earnings to save, spend wisely, and give back. You can also use it to encourage a good work ethic like tying allowance to chores (more on that later).

Teach older kids and teens about trade-offs. Decide what they need to pay for with their allowance and assign categories. Maybe 10% of their allowance is just for meals out — or maybe they no longer live totally “rent-free” (hey, they do use a lot of water!). They can also save up for a big milestone, like a new laptop or their first car. The goal is to show them short and long-term financial planning.

Now that you’ve decided how much, the next question is: How often? Try weekly for younger kids and beginners. They may have trouble making their money last longer than a few days. Then, switch to giving your kids a monthly allowance when they’re older. This will teach them to budget their money over a longer period of time.

The Hot Debate: Earning vs. Getting an Allowance

According to a T.Rowe Price survey, the majority of kids (59%) have to earn their allowance.  Only 16% of families give their kids an allowance with no conditions. And another 25% of families don’t give allowances at all.

Many parents are divided on whether it’s a good idea to tie allowance to chores or grades.

Let’s look at a few schools of thought on this. 

• Tie to chores, yes: Some parents believe this teaches a good work ethic. Instead of one-and-done, they’ll ask, “what’s next?”
• Tie to chores, no: Kids could decide to skip chores if they don’t need money. These parents may think: “Grown-ups don’t get paid to do housework, so why should kids?”
• Pay for grades, yes: This practice can teach kids that good work leads to exciting rewards. (Just like their future bonus!)
• Pay for grades, no: It could be tricky for kids who genuinely struggle academically.

If you want to start paying your kids but you’re hesitant, try this: Set up recurring chores that are easy to complete (Think: doing the dishes or taking out the trash). Then, add extra one-time jobs to teach them about taking initiative. How? You’ll post a job — like “Wash the car” or “Rake leaves.” They can claim it, complete it, and earn money. It’ll show them that going the extra mile pays off.

Julie Lythcott-Haims, the author of How to Raise an Adult, gave an interesting TED Talk about setting the right priorities for kids. Here’s a key takeaway: “Professional success in life comes from having done chores as a kid.”

We think chores are important too, which is why we love that INB families use their Greenlight apps to tidy the house, do laundry, walk the pup, and more. Haven’t tried yet? Let’s walk through it — and learn how your family can join Greenlight for free.

Which chores do I choose?

All families are different, which means their chore routines are different too. Chore schedules can start early on with household tasks. Then, add more responsibility as they get older, like sending your teen driver to run errands.

For Greenlight families, the five most popular chores are:

Clean your bedroom

Take care of the pet

Take out the trash

Wash the dishes

Read

Although these are the top 5, Greenlight families aren’t afraid to get creative with chores (you can customize them in your app). We’ve seen everything from “Tell mom she’s awesome” to “Wear deodorant” to “Work on your attitude.” Check. Check. Aaaaand check.

Setting up chores and allowance with Greenlight

When it comes to paying an allowance, there’s one thing we can all agree on: It shouldn’t be complicated. Remembering to get cash at the grocery store or finding an ATM is a hassle, so 6 we made it easier on parents AND kids. You can schedule and automate allowance and chores in your Greenlight app.

First, set up a chore schedule. Assign chores that repeat once a week — or several times a week. Want to sweeten the deal? Add extra earning opportunities with one-time jobs for bigger tasks like spring cleaning, babysitting, or mowing the lawn.

To give your kids full visibility of their chore schedule, make sure they download the app and check off their chores as they finish them. If they fall behind on chores, we’ll give them a nudge with chore reminders (so you don’t have to).

From the child dashboard, parents can keep track of chore progress and put their allowance on autopilot — if you choose to pay them.

Ready to connect chores and allowance? Greenlight has flexible options for teaching kids about the value of money and hard work, no matter how your family chooses to learn together. Here are a few ways you can pay out their weekly, biweekly, or monthly allowance:

• Flat rate: Pay a consistent allowance that isn’t connected to chores — and pause anytime.
• Partial payment: Pay a percentage of their allowance based on chore completion. Hello, motivation.
• All or nothing: Only pay their allowance if they complete all their chores. Work hard. Get paid. It’s that simple.

Best practices for paying allowance

If you do choose to give your kids an allowance, make sure you combine it with conversations about money at home. Families that talk money are more likely to have kids who feel knowledgeable about managing personal finances. Score!

 Cliché alert, but it’s true: Money doesn’t grow on trees. Be clear with your kids from the get-go. Help them understand what an allowance is, how they can earn it, and what will make it go away. Once you’ve set an amount and frequency, be consistent so they can practice planning and budgeting for payday.

 Greenlight tip: If you’re trying to encourage an earning mindset, make a distinction between allowance and gifts. Allowance should function similarly to a paycheck, while gifts are for special occasions, like birthdays or holidays.

Let them make mistakes — and talk through the aftermath. Maybe they forget to take out the trash and are left with a stinky mess (been there!). Or perhaps they skipped laundry and their uniform isn’t clean for game day. It may be hard to watch them make a couple of slip-ups, but it’s better to have a lesson learned while they’re under your roof than when they’re paying for their own.

They’re doing the hard part, so Greenlight makes the rest easy for you. As an INB checking or savings account customer, you can join today for free to set up chores and one-time jobs, tie them to an allowance (if you want!), and stay in the loop to make sure your kids are keeping up with their end of the deal. And don’t forget to have those money convos so they learn to put their hard-earned dollars to good use. Happy earning and happy learning.

Kelly Raison and Veronica Armbrust are celebrating 20 years at the bank. At the 15-year mark, we have Courtney Bryant and Cayla Keyes.

Justin Graves is clocking in 10 years, and we have four employees commemorating 5 years: Brenna Rockwell, Lanna Bartko, Dylan Calhoon and Susan Fleming.

Get to know our staff celebrating service anniversaries…

Kelly Raison, VP, Retail Operations and Process Improvement Manager

If you could take an unlimited, all-expenses-paid vacation, where would you go and why? 

I would take a European trip, my first two stops would be Ireland and Scotland; I have heard that they’re beautiful!

Where’s the best place you’ve ever visited/favorite vacation spot, and why?  

Skagway, Alaska. It is gorgeous there, but the best part is that my son lives there.

Veronica Armbrust, Treasury Services Specialist

If you could take an unlimited, all-expenses-paid vacation, where would you go and why?

I would love to visit Ireland. The Emerald Isle has always been on my bucket list. To experience the beautiful landscapes, historic sites and spend endless time with the locals sounds amazing.

What job did you want to have when you were a kid?

I wanted to be a florist when I was young. I always enjoyed visiting the local flower shop and seeing all the pretty flowers. I still have a love for plants and flowers as an adult; the first spring visit to the greenhouse is always a long one, and I undoubtedly will bring home more plants than necessary!

Courtney Bryant, Quality Control Specialist for Compliance

What’s your favorite time of year?

My favorite time of the year would have to be fall. That’s the start of football season! My husband and I are big into fantasy football and just football in general, so our Sundays are spent together watching all the games (Go Niners!) We also got to go to our first San Francisco 49ers game together recently and couldn’t have asked for a better time with friends and family!

What’s a favorite family tradition from your childhood?

The Festival of Trees was my favorite family tradition. Going with my family each year and making all the crafts and seeing all the different trees really put me in the Christmas spirit.

Cayla Keyes, VP, Retail Sales Manager

What was your very first job? Did you like it or hate it?

My very first job was as a telemarketer at a call center, selling Discover Cards. Believe it or not, I really enjoyed it! It was a fantastic training ground where I mastered the dos and don’ts of sales and customer service early on. I still have to laugh when I recall some of the people who answered the phone and urged me to “get a real job!” At age 17, speaking with people over the phone and contributing to their financial choices felt very much like a real job to me. That job wasn’t just about earning money; it was a lot of fun and remains a fond memory from my teen years.

What’s your favorite time of year?

Summer is my favorite time of the year. Not only do I prefer warmer weather, but it’s also travel baseball season for my son. He plays for Springfield’s Top Tier 12U, and there’s nothing better than watching him out there on the field, doing what he loves most. Those games are the highlight of my summer, packed with excitement and family fun.

Justin Graves, Maintenance Technician

What was your very first job? Did you like it or hate it? 

My first job was installing flooring. I was 14 years old, and I enjoyed it. I have always liked learning something new and challenging.

Where’s the best place you’ve ever visited, and why? 

My favorite place to vacation would have to be Destin, Florida. Clear water, plenty of golf and always a good time with Marissa while hanging out on the beach.

Lanna Bartko, Branch Operations Supervisor at INB Champaign

What’s a song that always puts you in a good mood?

“Sunshine, Rainbows and Lollipops” by Leslie Gore (1965). I can’t help but smile and dance a little.

Where’s the best place you’ve ever visited, and why?

HAWAII!!! For its obvious beauty, but you also sense its calming quiet effect everywhere. The people are caring and happy. The memories are endless.

Brenna Rockwell, VP, Commercial Loan Coordinator

What’s a song that always puts you in a good mood?  

“Steal My Sunshine” by LEN

What’s a favorite family tradition from your childhood?  

Going to Disneyland with my friends and family a couple times per year.

Susan Fleming, AVP, Branch Manager, Mt. Pulaski Branch

Where’s the best place you’ve ever visited, and why?

Hope Town, Bahamas. It’s warm, sunny and sandy. It’s an island with less than 200 permanent residents, and it feels like you’re traveling back in time when you go there. It’s a slower pace with little technology.

What’s your favorite way to spend a long weekend?

With my family, including my four-legged family. In the cooler months, I love to cook and bake. I like to try new recipes. In the warm months, you will find us outside hiking, biking or enjoying the great outdoors.

This is where amortization comes in. While it may sound like a complicated term, amortization is simply a structured way to pay off your debt.

Whether it's a mortgage, car loan, or even a business loan, amortization plays a crucial role in determining how much you pay each month and how long it will take to fully pay off the loan.

What Is Amortization?

Most of us don’t have thousands, or even hundreds of thousands of dollars readily available to buy a home or car. Instead of paying one large lump sum, you take out a loan and make smaller, regular payments over time.

Amortization is the process of gradually paying off your loan through scheduled payments. Each payment covers two main parts:

1. Interest: The amount the lender charges you for borrowing money, typically a percentage of the loan amount.
2. Principal: The actual amount you borrowed and need to repay.

The rate at which your loan balance decreases is outlined in your amortization schedule. Early in the loan term, most of your payment goes toward the interest, with a smaller portion applied to the principal.

As time passes and your loan balance decreases, more of your payment will go toward reducing the principal.

At the start of the loan, it may feel like the balance isn’t decreasing much, but as time goes on, the balance starts to drop much faster. This is a typical feature of amortization.

Why Does Amortization Matter?

Understanding how amortization works can help you make better financial decisions. Here are a few ways it can impact you:

• Comparing Loan Options: Loans with shorter amortization periods typically have higher monthly payments but cost less in interest over time. For instance, a 15-year mortgage might have higher monthly payments, but you’ll pay significantly less in interest than with a 30-year loan.
• Refinancing: If interest rates drop, refinancing your loan to a lower interest rate or shorter term can save you money over the life of the loan.
• Making Extra Payments: Paying extra toward your loan principal can reduce the interest you pay and shorten the term of your loan, saving you money. Plus, at INB, we don’t charge prepayment penalties for paying off your mortgage early.

When making extra payments, keep in mind that any additional amount you pay goes directly toward the principal, reducing the interest charged for the following month. This helps you pay off your mortgage faster and saves you money in the long run.

Understanding amortization gives you control over your finances—whether you're buying a home, refinancing a loan, or simply trying to see where your hard-earned money is going.

Got questions? Please reach out to me, or any INB mortgage lender.

Champaign:

Aaron Gallagher; NMLS # 1943805

Peoria:

Karen Cabrera (also Galesburg); NMLS # 742269

Phil Raso; NMLS # 1943805

Springfield:

Natalie Dodson; NMLS # 574151

Corey Kates; NMLS # 1652367

Bill Townsend; NMLS # 815738

Deena Smith; NMLS # 662911

Todd Weir NMLS # 502389

At INB, we think chores are important too — especially on the path to financial independence. With Greenlight’s money app for families, you can teach kids life skills and connect chores with allowance to teach the relationship between work and money.

While there are lots of ways for kids and teens to earn money, many Greenlight families choose to teach the value of earning through allowance and chores. Read on to learn how your family can connect chore schedules to allowance payouts — and add extra ways to earn along the way.

“Greenlight changed his entire attitude around chores. He gladly does his chores so he can save money.” — Michael, Greenlight parent

Step 1: Choose which chores and jobs to assign.

Think about what household tasks you need help with, what your kids are good at, and what skills you may want them to learn. You can also ask for their POV. Including them at this stage of the game will give them a sense of ownership (which they love).

The five most popular chores for Greenlight families are:

• Clean your bedroom
• Take care of the pet
• Take out the trash
• Wash the dishes
• Read

The five most popular one-time jobs are:

• Wash the car
• Mow the lawn
• Clean out the garage
• Babysit
• Seasonal yardwork

PSA: These tasks can be anything (and we mean anything). Greenlight parents aren’t afraid to get creative with their chores — from “Do taxes” to “Make tacos” to “Practice magic.”

Step 2: Set up a chore schedule.

With Greenlight’s money app, you can create custom lists for your family's needs. Schedule and automate chores to make sticking to a routine easier for everyone. Then, add one-time jobs so your kids can take initiative with extra opportunities to earn.

• Set chores that repeat once a week — or several times a week — like laundry, dishes or trash.
• Post one-time jobs for occasional tasks like yardwork or seasonal to-dos.

When your kids know what they’re on the hook for, they can start practicing skills like prioritization and time management. Done and done!

Step 3: Connect allowance to chores.

Pick a day and decide how and when you’d like their payout to hit. Then, set it on autopilot, sit back and watch them earn — and learn. (A clean house is just icing on the cake. Greenlight gives you flexible options to teach kids how hard work pays off:

• Flat rate: Pay a consistent allowance that isn’t connected to chores — and pause anytime.
• Partial payment: Pay a percentage of their allowance based on chore completion.
• All or nothing: Only pay their allowance if they complete all their chores.

Greenlight tip: Take the learning to the next level with allowance allocation. Kids can divvy up their earnings between spending, saving, and giving.

Step 4: Download the app for your kids.

Now, it’s their time to shine. Make sure your kids have full visibility of their chore schedule.

They can download the Greenlight app on their own devices to check off chores, track their earnings, and get chore reminders. (No nagging here!)

Step 5: Stick to it.

Chores and allowance look different for every family, but we all have the same goal: to build the foundation of a healthy and happy future. In a 75-year-long Harvard study, researchers identified the top two things that people need to be happy: love and work ethic. As parents, you love your kids unconditionally (that’s a given). But can you teach work ethic? We think so. By encouraging your kids to do chores and giving them an allowance — whether or not you connect the two — they’ll learn life skills that will help them succeed.

Want to take chores off your to-do list? As an INB checking or savings account customer, your family can join Greenlight for free. Sign up today. 

Activities:

• Basketball – four years
• Volleyball – four years
• Student Council – two years
  • 2024-2025 Vice President
• Family Career and Community Leaders of America – four years
• Future Farmers of America – four years
  • 2023-2024 Ag Ambassador
  • 2024-2025 Vice President
• National Honor Society – two years

Honors:

• October athlete of the month
• Honor roll
• Dairy Foods Evaluation award
• 1^st in Ag Sales in section 14 FFA Record Book Contest

Community Activities:

• Volunteer at Lincoln Memorial Hospital Market – two years
• Worked at Johnson’s True Value – two years
• Her volunteer opportunities include:
  • Pulaski Courthouse volunteer
  • Trunk or Treat volunteer
  • Trick or Treating for canned goods
  • Christmas on Vinegar Hill
  • Pulaski Fall Festival
  • Holiday Meal
  • Barn cleaning at state fairgrounds

Future Plans:

Abigail plans to attend Lincoln Land Community College to earn her Associate’s degree and then transferring to Illinois State University to major in Ag Education.

Parents:

• Andy Jones
• Jamie Jones

In Mt. Pulaski, the Senior of the Month program is sponsored by Conaway Handyman Service and Downing, Przykopanski, Clements, & May Insurance Agency, Inc. Abigail is in the running for the $500 Senior of the Year award sponsored by INB.

With the housing market fluctuating so much in recent years, this topic is at the forefront of many people’s minds.

Of course, your own personal situation plays a major factor, but in general, it’s an opportune time for buyers who are ready for the next step of homeownership. Here’s why:

1. Potential price stabilization

While home prices have risen in recent years, many markets are seeing signs of stabilization or even slight declines. For buyers, this could mean a better opportunity to purchase before prices rise again when demand picks up.

2. Locking in before rates change

It’s no secret that mortgage interest rates fluctuate. Although they remain higher today than in previous years, buying now allows you to secure a home and potentially refinance later if rates go down. And there’s no guarantee that prices and rates will drop – instead, you might be faced with increased home prices if demand surges again.

3. Less competition currently

Summer is usually peak home-buying season, which means more buyers are competing for the same properties. Right now in late winter and early spring, fewer people are actively searching, which can lead to less competition and potentially better negotiating power. Which also brings up the next point…

4. Sellers may be more motivated

Homeowners looking to sell in the off-season often have a reason – whether it’s relocation, financial needs or other personal circumstances. This motivation can lead to more flexibility on price, closing costs or repairs, giving buyers an edge in negotiations.

5. Opportunity to start building equity

When you make mortgage payments, you’re building equity, which is essentially ownership in the property. Over time, as you pay down the mortgage balance and your home (hopefully) appreciates in value, you accumulate more equity – and therefore, more wealth.

6. Realizing additional tax benefits

Your mortgage interest and property tax payments may be tax-deductible, potentially reducing your taxable income and lowering your overall tax bill.

Is It the Right Time for You?

Of course, homeownership is a significant financial commitment, and not everyone is in the position to make that decision yet. While market conditions are important, the best time to buy a home ultimately depends on your financial situation, job stability and long-term goals.

INB mortgage lenders are happy to talk through your personal situation and help you figure out if you’re ready for homeownership… Give one of us a call today!

Visit www.inb.com for more information. 

Congratulations Eric!

Extracurricular Activities:
Eric has been actively involved in several school organizations, contributing for three years in each:

• Scholastic Bowl Team – Three-year varsity team member
• Riverton High School Engineering Club
• Riverton High School Math Team

Work Experience:
He has eight years of work experience from his family’s restaurant.

Future Plans:
Eric plans to attend the University of Illinois at Urbana-Champaign to pursue a degree in engineering.

INB is proud to sponsor the Riverton Student of the Month program. As a monthly honoree, Eric is also in the running for the $500 Senior-of-the-Year Award, presented annually by INB.

“Being a retail bank employee, I was curious about what the future of banking would look like,” she said. 

Realizing that INB is at the forefront with this technology, Allie decided to join the INB team of interactive tellers. 

ITMs Combine Technology and Personal Service

An Interactive Teller Machine (also called a Video Teller Machine, or VTM) uses a combination of touch screens and video technology to offer a virtual version of the in-person banking experience.

Almost all Illinois INB locations now have an ITM. The only exceptions are our Fairmount and Champaign branches. You can complete many banking tasks at an ITM like depositing checks and making loan payments. And if you need help, you’ll be able to talk to one of our video tellers via the screen during from 8 a.m. to 5 p.m. Monday-Friday and from 9 – noon on Saturday.

“I love that we are able to conveniently help our customers through the ITMs by combining new technology with the personal touch of having a local teller on the other end of the machine,” Allie shares. “Working in banking, especially with the new ITM technology, provides me with the opportunity to truly make a difference in someone’s day.”

Meet the ITM Team

Alongside Allie, INB has three other interactive tellers assisting customers: Taylor Stovall, Evy Redmon and Felicia Major. While Taylor didn’t have a background in banking when she joined INB, she was no stranger to customer service.

Taylor, a graduate of cosmetology school, initially moved to Springfield from Normal when she got a job in a salon. However, two years into her career, she realized it wasn’t a good fit for her lifelong goals. That’s when she came across a teller position at INB’s Dirksen branch.

“I was so nervous for the interview, but the INB team made me feel comfortable and confident during the process. When they called me to tell me I got the job, I was thrilled to start a new chapter,” she recalls. After working for 1.5 years at the Dirksen branch, Taylor then seized the opportunity to be part of the first ITM teller team. 

“It’s been a lot of fun, and I’m excited to see where this journey takes me,” Taylor says. “One of my favorite things about working here is my coworkers; they are all amazing people, and I’m grateful to work with them.”

Evy, a Springfield native, was looking for a job she could do while taking college classes. She served as a float teller for a couple of years, filling in at various INB branches. With her deep knowledge of branch operations, she was then asked to join the ITM team.

“I was familiar with many of the customers at different branches, so being an ITM teller, I still get to see all of the customers that go to the different branches – just through a screen now!” she says. “It is so cool to see how happy the customers get when they figure out how to use the machines and being able to hear how much they like ITMs. And working with the other ITM tellers has been such a fun experience.”

Felicia was encouraged to get into banking by multiple family members who have worked in the industry. And she jumped at the chance to join the ITM team for INB. “The ITM position is what drew me to INB, and I truly enjoy helping our customers,” she says.

Creativity + Problem Solving = Great Customer Service

The dynamic ITM crew is also a creative bunch — which is not surprising given their desire to think out of the box and adapt quickly to new technology! 

Taylor and Allie are both passionate about art; they both love painting and drawing. Felicia’s hobbies are singing, dancing, and K-pop. Music is a draw for Taylor, too, who can often be found at local music events, like the Levitt concert series during the summer, as well as art and craft shows. Felicia and Taylor both enjoy video games, which is certainly relevant to their willingness to troubleshoot and solve problems.

We’re excited about the expansion of ITMs at our INB locations, and we’re confident that this hardworking team will make banking easier for our customers with this technology.

“I believe that ITMs are the future of banking,” Allie says. “I love that INB is not afraid to try new things to improve the customer experience.”

That made his graduation ceremony for Leadership Springfield on January 31 all the more special.

“I felt so honored and proud to be there. I had family and coworkers in attendance, and I have developed some really good relationships through this program, so I was very happy to see the smiles on their faces,” Dalton says. “It was a night I will cherish for a long time.”

The recognition was well deserved. Dalton, assistant branch manager at INB Dirksen, dedicated time and effort into the 14-week Leadership Springfield program, attending a series of half-day sessions focused on interactive professional development.

Facilitated by the Springfield Chamber of Commerce, Leadership Springfield aims to develop, strengthen and equip local professionals to benefit the Springfield area. The program covers topics like healthcare, team building, government, technology and much more.

Many INB staff members have participated in the program over the years, gaining leadership skills and in-depth exposure to critical issues affecting the Springfield area. And with aspirations for senior management in his future career path, Dalton was eager for the opportunity himself.

“This was an opportunity to hear from current leaders and hear some of the struggles they went through, and it made me realize that a lot of the obstacles I have faced are normal,” he shares. “They also provided methods they use to stay true to themselves and how to leave work at work.”

Gaining Valuable Insights for Positive Career Impact

Reflecting on the experience, Dalton found it difficult to pinpoint just one aspect that impacted him the most, as he gained valuable insights from each session.

“It taught me how to be a productive and professional leader, how to adapt to changes in the workplace, and helped me develop ways to connect with all of my peers. Not everyone thinks the same way or responds to adversity the same, so having these methods of how to work through that is extremely helpful!” he notes.

Leadership Springfield classes include 35-40 participants from the private, public and nonprofit sectors, fostering collaboration between businesses and organizations around the Springfield area.

“During this 14-week adventure, I looked forward to every Thursday morning knowing that I was going to Leadership Springfield, and my excitement for being part of this never faded,” Dalton says.

He is especially thrilled about the opportunity to become an Ambassador for the Chamber.

“It is such an honor to have another amazing opportunity with The Greater Springfield Chamber of Commerce to continue to grow as a leader and make more connections with others in the community,” he shares.

Dalton plans to continue reviewing what he learned in the program, so he can easily apply the lessons to his career at INB.

“I will try to do things in different ways to see if they can be more beneficial to those I work with and, in turn, create an even more successful environment,” he says. “I cannot recommend Leadership Springfield enough -- I wish I could do it again! It teaches you how to see things from all perspectives and how to work with several different types of people. You meet so many great people, and it opens up many different doors for further development.”

The “Manage Alerts” tab inside digital banking lets you setup, edit and view your alerts. Alerts can come to you as email or text message or both. When you log into digital banking, choose "Manage Alerts” from the main screen. Then choose the "+" tab to see the security alert types: Custom, Bill Pay and Security alerts.

Set up security alerts to watch for changes to your account or provide us with information about potential fraud. With INB security alerts, you can take the actions listed in the image here.

To activate alerts tied to your debit card, you must first tie your card to your digital account. 

How to Tie Your Debit Card to Profile Inside Digital Banking

If you haven’t already connected your debit card to your digital bank account, here are the steps you need to take: banking profile. 

1. Login to your digital account
2. Select “Messages” in your account.
3. Click on “Submit a Form.”
4. Choose the “Add Debit Card to Profile” form from the list.
5. Type in the last 6 digits of the card and the name on the card.
6. Click “Submit.”
7. If you need to add another debit card – for your spouse, for example – follow these steps:
   1. Click on “Submit a Form.”
   2. Choose the “Add Debit Card to Profile” form from the list.
   3. Type in the last 6 digits of the card and the name on the card.
   4. Click “Submit.”

Need Help?

If you need help tying your debit card to your digital account or setting up any security alert, stop by one of our branches and ask for help.  Since these alerts help you AND INB, we want you to understand the steps of setting them up. Or call 1-877-771-2316. 

This past year, one of our customers got a phone call from someone claiming to be the INB fraud department. The scammer told her that her money wasn’t safe in the bank.  To save her money, the scammers urgently directed the woman to withdraw all her money and deposit it at a Bitcoin stand. 

The woman withdrew $27,000 cash, drove over to a nearby Bitcoin stand, and began depositing the bills.  After she had inserted about $3,000, it dawned on her that she was being scammed.  She thought, “This is stupid!”, and then took her remaining $24,000 back to INB and alerted us of the scam she had been roped into.

After speaking with the customer about her experience, she told us, “They just kept telling me, ‘My money wasn’t safe! My money wasn’t safe!’, and I know better than that.”

One way to differentiate a scammer from INB personnel is their tone: scammers will always create a sense of urgency so the victim doesn’t have any time to think.

In another instance, a customer got a phone call from a scammer pretending to be her granddaughter, even sounding like her.  The scammer was claiming that her granddaughter was in jail and needed bail money.  They instructed her to go to her bank and wire transfer the bail money.

As fate would have it, she happened to pass by her granddaughter’s workplace on the way to the bank.  Then it dawned on her, “How could my granddaughter be in jail if she is at work right now?” That’s when she realized it was a scam! In this case, the crisis was averted.  But scammers will stop at nothing to get you to pay. 

Pro tip: we may call you if we suspect a fraudulent transaction, however, INB will never ask you for identifying information such as your username, password, or double authentication security passcode.  If you’re being asked for any of this information, hang up.  That is not INB!

Phishing Red Flags

Banks will never text you and:

• Ask for a PIN
• Ask for SSNs
• Ask you to share a “one time” code

Banks will never email you and:

• Ask you to download an attachment
• Ask you to fill out forms
• Misspell words or use poor grammar

Banks will never call you and:

• Ask for your address
• Use scare tactics
• Ask for your birthdate

Payment apps (like Zelle and Venmo) will never:

• Ask you to send money to yourself
• Ask for your password
• Text or call unexpectedly

According to the American Bankers Association, these crimes, typically referred to as phishing or spoofing, are the number one reported complaint to the FBI. The Federal Trade Commission’s report on fraud estimates that Americans lost a staggering $10 billion to phishing scams and other fraud in 2023—an increase of 13.6% over 2022.

It's time to expose scammers for what they really are.  Always report the crime.

Today’s Branch Leader: Karyssa Pedersen

Karyssa Pedersen’s journey at INB is like the West Wabash Branch itself: both started with potential and quickly showed they could do more.  Starting as a teller, Karyssa’s drive to make a difference led her to move to the West Wabash branch at just 21 years old. She embraced new challenges, transitioned into a banker role, and is now the branch manager.

“I love the people I work with,” Karyssa shares. “My mentors, the bank as a whole, and our customers really make my day. I love coming to work to help people.”

Customers can expect a warm, welcoming environment and prompt, personalized service, Karyssa says. “Our team tailors products to meet each customer’s needs. We strive to build lasting relationships and create bonds that keep customers coming back for any need they have.”

Mortgage Lender Focuses on Relationships

With 23 years of mortgage lending experience—11 of those with INB—Todd Weir has built a reputation for making home financing smooth and approachable. For Todd, the West Wabash branch has always been the perfect fit.

“I wanted to be on Wabash because everything happens out here,” Todd says. “It’s close to all the real estate companies and in the middle of everything. It’s easy for my customers.”

Todd emphasizes the collaborative environment at the branch. “We take care of one another, so the customer is never inconvenienced. I can easily connect customers with the right people, making for a seamless transition from mortgage services to personal banking. Our products and services provide the whole package.”

He continues, “We operate like a big bank, but it’s easy here to treat people how they want to be treated. We make banking easy. From wire transfers to account assistance, we have all the financial services customers need under one roof.”

Todd also highlights the importance of combining modern convenience with personal touch. “More and more of what we do is online or over the phone, but I encourage face-to-face interactions. The detailed, documented mortgage process can be intimidating, but we strive to make it enjoyable and personal.”

INB’s West Wabash is located at 3150 W. Wabash Ave., Springfield. 

Todd Weir, NMLS # 502389

And that’s where Private Mortgage Insurance (or PMI) comes in.

What exactly is PMI and who needs it?

Private mortgage insurance, often called PMI, is a type of insurance used with conventional mortgage loans to allow you to purchase a home with less than a 20% down payment.

Without a 20% down payment on your loan, you’ll need to purchase PMI to protect the loan, just in case you are not able to pay the mortgage. Your PMI payment is lumped in with your total monthly mortgage payment, which also includes your principal and interest, property taxes, and homeowner’s insurance.

The good news? It can help you qualify for a loan that you might not be able to get otherwise. PMI allows first-time homebuyers to make a down payment with as little as 3% on conventional loans – and that moves to 5% if you aren’t first-time homebuyers.

Types of PMI

There are four main ways to structure PMI, and each suits different needs:

1. Borrower-Paid Mortgage Insurance (BPMI):The most common type, where PMI is added to your monthly mortgage bill.
2. Lender-Paid Mortgage Insurance (LPMI):You get a higher interest rate instead of paying PMI directly, which can help lower your debt-to-income ratio for loan approval.
3. Single-Premium Mortgage Insurance: You pay all PMI costs upfront in one lump sum, which lowers your monthly payment—a good option if you have cash on hand and want to save over time.
4. Split-Premium Mortgage Insurance: You pay part of the PMI upfront and the rest monthly, reducing your monthly cost without paying it all at once.

How much is PMI?

The cost of PMI you pay depends on several things:

• The size of your loan and your loan-to-value (LTV) ratio
• The amount of your down payment
• Your credit score

According to the Urban Institute, the average monthly cost of PMI is between 0.46%-1.5% of the loan amount.

(Do keep in mind that PMI payments don’t go towards the payments of your mortgage. These

payments are separate from paying off your mortgage loan.)

When Can I Stop Paying PMI? 

PMI payments are not forever!

If you are current on your loan payments, once your mortgage balance drops to 78 percent of your home’s original value, the PMI will automatically drop off your loan. Or if you pay down your mortgage balance to 80%, the Homeowners Protection Act lets you request to cancel the coverage.

Also, if you’ve purchased a fixer upper and are able to provide proof of all the work done (like finishing a basement or adding a room), we can remove PMI if an appraisal shows the home’s value has increased and you now meet the threshold required.

At INB, it just takes an email or phone call, and we can check on different options of removing your PMI. Even after closing your loan, I’m always available to talk through your personal situation.

The Financial Managers School is a one-week immersive program hosted by the Graduate School of Banking at the University of Wisconsin in Madison.

Designed by experienced CFOs especially for financial managers at community banks, the school takes attendees beyond the basics to present best practices and crucial tools needed to build a solid foundation in asset/liability management.

Immersed in Bank Industry Concepts

“Over the course of a week, we took classes on capital planning, economics and monetary policy, investment strategies, funding strategies, derivatives, and pricing,” Allison shares. “As a group, we analyzed several case studies to deepen our understanding of the concepts presented.”

Alongside 65 other attendees from around the country, Allison dove into learning about practical implementation tools to profitably manage a financial institution’s balance sheet, develop effective strategies, and communicate strategies to the board and senior management for more effective decision-making.

“This program deepened my understanding of key banking industry concepts,” she says.

More Knowledge Helps Everyone

Allison credits INB for supporting her professional development and continuing education. And we are confident her hard work and newly gained expertise will benefit both our clients and team!

“I’m grateful to work at a place like INB that supports its employees’ professional development,” she says. “I’m excited to apply what I’ve learned to better serve our customers and strengthen our institution.”

The “more” Cayla talks about includes a list of non-typical checking account features like pet insurance and cell phone protection, available to our Power and Power Plus checking customers.  And INB’s partnership with Greenlight, making their app available to any INB checking or savings account customer. Or maybe it’s the 40,000 plus MoneyPass ATMs In the United States they can use for free.

Cayla can easily list all the good things about INB checking. But what about employees who don’t have the title of “sales manager”?  What do they think are the best features of INB checking?

BaZing Offers Discount on Pet Insurance, Cell Phone Protection and More

“The INB Power and Power Plus checking account feature I think is the best are the BaZing benefits that come with them,” says Nicole King, Peoria teller.  “Even though we have a reasonable monthly fee for these accounts, the benefits that BaZing offers outweigh the fee by far. It helps in so many ways – to cellphones, to pets, to roadside assistance, to vision, to shopping and to vacation savings. The INB checking accounts do not just offer security, a branded debit card, and an app – but so much more to make spending money fun, secure, and adventurous!”

Each BaZing benefit is different. Some require activation.  ALL require customers create a BaZing login at account opening. You’ll find all of the details on our website.

The newest benefit is Pet Insurance:

Pet Insurance^{1, 2}
Get a discount on pet insurance with BaZing. The benefit includes nationwide vet coverage, 24/7 Virtual Pet support, ID tags, medication discounts, and more. No breed or age limits.

Reimbursed Fees Make a Big Difference

Natalie Cain’s favorite part of INB checking is our Power Plus Checking account that provides reimbursement of up to four ATM fees per statement cycle.  This means customers can use ANY ATM knowing the fees they agree to pay will, ultimately, be paid by INB. There’s no cap on the dollar value of the fees.  Natalie gives this example from her own travels: “I used an on-site ATM at a casino that charged a $16 fee, and the entire amount was fully reimbursed.” This is also available to mortgage customers on any account type.

Dee Pedersen, VP, care center manager, is also a fan of ATM reimbursements:

“With Power Plus Checking, I like that not only is INB’s portion of the fee to use out-of-network ATM’s waived, but we also reimburse the portion of the fee that is charged by the ATM owner!”  With INB’s Power Checking account, we waive INB's portion of the fee to use out of network ATMs. With both accounts, INB will waive the fee four times per statement cycle.

Speaking of fees, Megan Kepling, Fairmount’s branch operations supervisor, thinks having monthly maintenance fees waived if you have a direct deposit on an INB Easy Checking Account is a great feature.  “Just have your paycheck deposited with INB, and we’ll take care of your checking account fees,” Megan explains.  

Megan also lets customers she works with know about INB CD specials because our specials typically provide a higher interest rate for INB customers than for individuals who don’t have an account with us. 

Pocket Change Can Add Up to Big Savings

Not only are INB checking customers eligible for fee reimbursements, but they can also watch their savings grow with a feature called “Pocket Change.” Greg Floyd, VP, deposit compliance services, says “Pocket Change” allows you to round up to the dollar value of the expense each time you use your debit card, putting the “rounded up” dollars into a savings account. He shares his own experience: “I’m not a big debit card user but have saved $300 this year and $6,800 since enrolling in the product.”

It’s a pretty simple program: You need to enroll and designate what INB account your rounded dollars will go to.  INB then “rounds up” each debit card purchase, up to $9 per transaction.  We’ll take those “cents” from checking and move the funds into your savings account at the end of each day.  It’s simple.  Over time, watch your pennies grow and your savings balance increase.

Greenlight Gives INB the Green Light

Cayla’s current favorite benefit is Greenlight³.  With any INB checking or savings account, you can join over six million parents and kids learning to earn, save, and spend wisely - together. INB is offering customers a complimentary³ subscription to this best-in-class debit card and money app for kids and teens. Cayla was paying a monthly fee to use Greenlight with her high school-age son, when she introduced it to INB’s leadership.  It wasn’t a hard sell! “INB is all about providing financial well-being to all of its customers… and Greenlight allows us to do that,” Cayla explains.

To use Greenlight, link your INB savings or checking account as the funding source of your Greenlight card. You’ll find more details on our website. 

¹Insurance products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THIS FINANCIAL INSTITUTION.

²Require activation to begin. 

^{3 *}INB, National Association customers are eligible for the Greenlight SELECT plan at no cost when they connect their INB, National Association account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, clients will be responsible for associated monthly fees. See terms [greenlight.com] for details. Offer ends 11/22/2027. Offer subject to change and partner participation.

Lauren, Nathan Van Zele, and Ashley Pond recently earned their designation of Accredited ACH Professional (AAP), giving them a new level of expertise on ACH transactions, rules and guidelines.

“We took about 20 weeks of 2-hour virtual classes together,” Lauren says. “Along with flash cards, I also read the entire rule book on my own time, clocking in more than 120 hours of study over 8 months.”

Ashley estimates that she spent 6 to 10 hours a week reading the rule book, working with flashcards, and taking practice exams to gain a deep understanding of the material.

“I even started to listen to podcasts that talked about the ACH network and current trends in the industry,” she says.

The commitment was quite intensive, Nathan says.

“We started our journey in March 2024 and met weekly together to study and attend webinars aimed at preparing for the exam,” he shares.

And we’re thrilled to say each one passed the exam and achieved this prestigious designation!

What exactly is ACH and how does it affect your banking?

It might seem mundane at first, but all of this behind-the-scenes info is important to know when it comes time for you to move money!

ACH stands for Automated Clearing House, which is a system that allows for electronic funds transfers and online payments. Payments are made online, and funds are electronically deposited into financial institutions.

You’ve probably heard of “wiring money” before (especially if you read suspense novels!). A wire transfer has long been a popular way to transfer funds, but ACH works differently than a wire. Wire transfers are in real time, but ACH payments are processed in batches; ACH is also less expensive, so you can save on fees.

The Benefits of Having an Accredited ACH Professional

Not only is having three AAPs on staff beneficial to ACH auditors, but also to INB clients.

“I can better assist INB clients with ACH activity in my day-to-day, and I am also able to educate INB clients and help with troubleshooting if they need it,” Lauren says.

Nathan adds: “It is important for INB to have staff with the AAP designation to build credibility and trust with customers, showing we have the knowledge to successfully navigate the world of ACH and its laws efficiently.”

Ashley notes that her day-to-day duties primarily focus on ACH Operations, and one of her main tasks is to work with commercial clients to ensure that their files are processed accurately. She’s already seeing her efforts pay off.

“I’ve learned a lot from my mentors and various training sessions since I’ve worked in ACH Operations, but obtaining my AAP has proven to me that there is so much more to know than you might see on the job. I’ve already been able to apply what I now know to think through scenarios on a higher level and more completely,” Ashley says.

Activities:

• Family, Career, and Community Leaders of America (FCCLA) – four years
• Chap Officer – three years
  • Section – 1 year
  • State Officer – currently
• Drama – four years
• National Honor Society – three years
• Student Council Social Media Manager
• Volleyball – two years
• Soccer Manager – two years

Honors:

• Parli Pro Competitor –
  • Fifth in the nation with a gold – junior year
  • Fourth in the nation with a silver – sophomore year

Community Activities:

• LMH Farmers Market Volunteer
• Topper Tees Pop Up Shops
• Christmas on Vinegar Hill

Future Plans:

Lupe plans to go to medical school where she will pursue a future as either an Emergency Doctor or a Doctor of Pediatrics. 

Parents:

• Cesar Andrade
• Rosalina Andrade

In Mt. Pulaski, the Senior of the Month program is sponsored by Conaway Handyman Service and Downing, Przykopanski, Clements, & May Insurance Agency, Inc. Lupe is in the running for the $500 Senior of the Year award sponsored by INB.

Activities:

• Participated in 6 plays & musicals during high school career
• Dance Team Captain
• Student Council
• Choir & guitar

Honors:

• Spotlight Student on Newschannel 20
• National Honor Society

Community Activities:

• Outside Theatre
  • Six (the musical – teen edition)
  • Several other musicals
• Currently employed at Harvest Market – two years

Future Plans:

Kaydence plans to get her BFA in Musical Theatre and minor in Administrative Business at Bradley University. 

Parents:

• Allison Mesecher

INB is the sponsor of the Riverton Student of the Month program. Kaydence is also in the running for the $500 Senior-of-the-Year award sponsored by INB.

A Passion for Personal Financial Goals

Ashlee has been passionate about helping clients achieve their financial dreams. A big part of her success comes from her personalized approach to financial planning. In her first year at INB, Ashlee demonstrated her ability to connect with clients on a meaningful level, attracting many new customers to the bank, leading to impressive results. “By understanding their unique financial goals and challenges, I’ve been able to provide tailored advice that truly resonates with them. This personalized approach has not only helped clients feel more confident in their financial decisions but has also helped with creating long-term loyalty,” she explains.

Her dedication to clients goes beyond numbers. Ashlee thrives on creating comprehensive plans that excite and empower clients to take control of their financial futures. Whether it’s building retirement plans or advising on investments, she ensures each client feels confident and supported.

A Leader Among Her Peers

Ashlee’s impact isn’t limited to her client relationships—she’s also a leader within INB’s Wealth Division. As a mentor to new employees, she shares her knowledge and fosters a collaborative team environment. “I believe a strong team is crucial for success,” Ashlee says. “Mentoring new employees allows me to share my knowledge and experience, which improves our overall performance and client satisfaction.”

Her Vision for Growth

As Ashlee steps into her new role, she has big plans for the Bloomington, Champaign and Peoria markets. Her goals include expanding INB’s client base, increasing community engagement, and building strong relationships with local businesses and individuals.

To achieve these goals, Ashlee plans to implement targeted marketing strategies and host educational events to raise awareness about INB’s financial services. “Collaboration and clear communication are key to ensuring seamless teamwork and delivering top-notch service to our clients,” she adds.

She bought something on Facebook marketplace from an INB staff member, and when they met up for the transaction and started chatting, an intriguing opportunity came up in conversation.

“She told me there was an open trust officer position,” Rhonda shares. “It ended up that I already knew 4 out of INB’s 5 trust team members because I started my banking career at the original INB (Illinois National Bank) as a trust operations clerk.”

Now, we are delighted to welcome Rhonda as the new Trust Officer in INB’s Wealth office, located in Springfield’s Montvale complex.

“It’s nice to come back to work for a company that puts people first,” she says.

Rhonda grew up in Athens, Ill., where she still resides today. She is an accomplished trust officer within the banking industry, having spent several years servicing trust operations for private clients and institutional trust and custody groups. She’s developed expertise at managing numerous high net worth accounts and ensuring regulatory compliance.

Rhonda has also spent the last five years as a securities examiner for the State of Illinois, a role that further honed her understanding of financial oversight and customer care.

Beyond her professional accomplishments, Rhonda takes great joy in her family. As the mother of two sons, her favorite way to spend free time is with her grandson and granddaughter.

Rhonda has also nurtured a creative hobby into a flourishing side business: floral crafts.

“I participate in a few craft vendor sales and currently supply The Country Road Relics with floral crafts,” she says. “My son and I just recently finished a ‘she shed’ for my floral business, and I can’t wait to get all my supplies moved in and organized.”

Rhonda’s commitment to her hometown is as vibrant as her floral creations. She currently serves as City Clerk for the City of Athens and as president of the Friends of the Athens Library.

Her personal values of community certainly align with INB’s, and she’s eager to bring her passion to the bank’s Wealth clients.

“I’m looking forward to working with a great team and being able to help customers,” Rhonda shares.

A Foundation of Dedication and Growth

Chris joined the INB team in 2019, diving into the world of brokerage operations. He quickly began making his mark with his strong work ethic and client-focused mindset.  By September of that year, he started working on his licensing requirements, becoming a licensed assistant by December 2020.  His hands-on involvement in INB’s broker dealer transition to Infinex Investments was just one of the many ways he demonstrated his operational expertise early on.

His passion for supporting clients and colleagues has been evident throughout his tenure. “My favorite part of my job is being able to help customers with their financial future and put them at ease with all of the processes when it comes to investment and retirement accounts,” Chris shared in a previous interview.  This client-first mindset continues to define Chris’s work, even has his role has evolved. 

Leadership in Action

As Wealth Operations AVP, Chris has expanded his responsibilities to include overseeing both operational and administrative team members, acting as the primary liaison with Osaic’s Operations Team, and leading the training of new Wealth employees. Chris’s approach to leadership is rooted in creating a supportive and collaborative environment.

“I always try to be an open book for new employees,” he explains. “I’ve seen onboarding programs that worked and others that didn’t, and I’ve learned that the most important thing is making sure people feel comfortable asking questions. I also try to explain the 'why' behind everything to help them feel confident in their roles.”

Chris’s efforts have streamlined efficiencies, enhanced service capabilities, and helped the team adapt to rapid growth. His ability to balance his operational duties with additional projects, like assisting with tax matters, highlights his commitment to the department’s success.

Not only does Chris display exceptional leadership himself, he recognizes that his ability to lead has a lot to do with how he observes those that lead him.  “The leadership in our department has given me access to incredible opportunities for growth,” Chris shares. “I’ve been able to learn from their extensive industry knowledge and apply it to my day-to-day responsibilities.”

A Vision for the Future

As INB’s Wealth Division continues to grow, Chris is focused on maintaining the high standards that clients and colleagues have come to expect. “The biggest challenge will be keeping the same quality of work and relationships as our client base grows,” he notes. “We’ll meet this challenge by being meticulous in everything we do and remembering that you can’t do everything in single day.”

I am excited to continue witnessing Chris’s growth within the Wealth Division and am grateful to have him on our team.  Congratulations, Chris.  It is well deserved!

The festive activities run thru Dec. 21, on Wednesdays from 4-8 p.m. and Saturdays from 10 a.m.-8 p.m.  

“The Holiday Walks are a cornerstone of our community,” says DSI executive director Carlos Ortega. “Our downtown transforms into a vibrant hub of cultural experiences, artistic showcases, and unique, independent shops that reflect the heart of our city. This event celebrates the local charm and collective spirit, showcasing the unparalleled value our downtown offers.”

This year’s theme, Sharing Traditions, is designed to foster unity and celebrate the diverse heritage of our community, Carlos says.

Events at the Holiday Walks include Santa Claus at the Old State Capitol, Nutcracker performances at the Abraham Lincoln Museum, ice skating at the ALPLM Union Station Plaza, and much more.

Supporting Downtown Springfield

DSI is grateful for INB’s support to enhance the Holiday Walks each year, bringing arts, culture, and entertainment that resonate with all ages, Carlos says.

The bank’s investment in downtown Springfield over the years reflects a “shared belief in the cultural and economic significance of our downtown space,” he shares.

“INB’s support has been pivotal in reshaping and revitalizing our downtown. The bank’s contributions ensure that we can continue creating meaningful experiences for residents and visitors alike,” Carlos says.

“This is such a great chance to connect, support local businesses, and highlight what makes our community so special,” Carlos says.

Celebrating with Baby Fold in Bloomington

INB has also sponsored the Baby Fold Festival of Trees in Bloomington since 2017, which was held this year on November 21-23.

The event supports the Baby Fold, which serves 1200+ children and families across Central Illinois through 12 programs that provide services for academics, early childhood, post-adoption and more.

Sometimes, we can employ doable savings strategies or even learn how to cut costs in a way that’s enjoyable. At other times, though, a money-saving attempt may turn out to be a time-consuming or disappointing endeavor we never want to repeat!

At INB, we’re all for saving money in a way that works well for you, your family, and your budget. Everyone’s situation – and motivation! – is different.

We asked some of our team two questions:

1. What’s one thing you do that’s worth saving money on?
2. What’s something you'll never do again to save money?

Here’s what they had to say…

Nadine Mackenzie, Retail Administrative Assistant/Training Officer

What’s worth saving money on: I try to bring my lunch every day, especially because going out to lunch used to be under $10 and now it’s closer to $15 or $20.  Plus it helps to save money on gas by staying at the branch rather than driving and rushing to find something to eat in 30 minutes.

Something I’ll never do again to save: I used to use an app to scan receipts and save money. I tended to find it was a lot of work and record-keeping to save 20 cents. 

Vicki Wall, Data Analyst Officer

What’s worth saving money on: My daughter is a new teacher (and has sensory issues), and the only tops that she likes are the nicer brands like Calvin Klein and Kasper. Do you know how expensive clothing is these days? Even on sale, they’re still about $40 each! Thrift stores rarely have them. So we recently went to Joann Fabric, picked out a few patterns and found the perfect fabric to make 5 tops. With coupons and discounts applied, the shirts will end up costing about $15 each. A HUGE savings! While I know I have quite a bit of work ahead of me, I also know that my daughter will love them, not to mention the memories we will make together.

Something I’ll never do again to save: Try to change my exterior light fixtures on my home. YouTube makes it looks so easy, right?!?! I got all the stuff I needed but couldn’t get the light to fit the existing bracket. I was trying to save $50, but it caused so much frustration. I will leave electrical to the professionals!

Zach Ponder, VP, Commercial Lending, Peoria

What’s worth saving money on: I usually bring lunch or go home for lunch, since I only live about six minutes from my office. Buying lunch now is so expensive – it’s easily $15 to get lunch somewhere if it’s not fast food.

Something I’ll never do again to save: Ironing dress shirts and pants at home. It is such a time-consuming process between washing, drying, and ironing; you have to make sure you get them out of the washer and dryer right away and then iron immediately, otherwise they don’t look crisp. Definitely worth it to drop off at the dry cleaners!

Angie Zindars, Branch Manager, Champaign

What’s worth saving money on: I know this might sound funny, but I buy the “cheap” leftover containers. Inevitably, they will get stained with pasta sauce, or you’ll forget something in the back of the fridge, and I would rather throw the whole thing away rather than try to dump it and clean it. So, I just buy mine at The Dollar Tree so I don’t feel bad about doing the latter!

Something I’ll never do again to save: Throughout my “adulting” I’ve learned that I will no longer skimp on hotels or hair products! I will pay the extra money to have a nicer, clean hotel room. And with curly hair, I’ll always go for the better (rather than cheaper) hair products.

Joe Jonaitis, Customer Care Consultant

What’s worth saving money on: I believe it’s worth investing in quality rather than always opting for the cheapest option, especially when it comes to clothes. While the initial cost might be higher, the longevity of quality items actually results in savings over time. This principle applies to other things as well, such as electronics.

Something I’ll never do again to save: I would avoid putting myself on an overly restrictive budget that feels like a chore. It’s important to treat yourself occasionally—everything in moderation, just like with eating. Instead of wasting money on things, save for experiences. These are the stories that everyone involved will cherish and talk about for years to come.

Missy Elam, VP, Commercial Loan Administration
What’s worth saving money on: We found this a good time to get healthy and lose some weight! We stopped buying junk food and soda and just buy what we need at the store and more healthy options. We cut back on eating out, so we food prep a little more and are prepared with lunches and dinners throughout the week. We also use gas apps to help save on gas since we both drive to Springfield daily for work.  We planted a garden this summer that helped us with having our own fresh produce that we shared with our family. We also took advantage of the zero interest on student loans and got them paid off during the Covid times.  

Something I’ll never do again to save: I actually haven’t discovered anything that I wouldn’t try again.

Wendy Henton, DE Mortgage Underwriter

What’s worth saving money on: We save money in our house by making sure to clip the digital coupons and use the grocery store rewards program when doing our grocery shopping. The rewards programs build up points which then can be used as money off future visits or at their gas station to lower the gas price.

Something I’ll never do again to save: Drive long distances for vacation instead of flying. I would much rather spend the extra money to fly and be there quickly than drive for multiple hours.

The grants are part of an initiative to support the growth and development of small businesses in the communities served by FHLBC’s member institutions. Rather than awarding the entire amount to one business, INB chose to split the grant to create opportunities for not one, but two deserving small businesses.

Since opening in 1999, INB has been a member of the FHLBC.  We think of the institution as a critical piece and backbone to our business.  But one of the best parts of the relationship is delivering the Community First Accelerate Grant to customers who can really put those dollars to use, and we get to see the fruition of community development come to light.

Pumpkin Creek Farms: Growing Community Fun

Since 2014, Pumpkin Creek Farms has been a favorite fall destination in Sherman, IL. Owned by Curt Fleck and his family, the farm is much more than just a pumpkin patch—it’s an experience. Kids and families get to enjoy a slice of farm life, right here in Central Illinois.

Curt, a longtime INB client, shared his excitement about the grant:
“We’re always working to try and make Pumpkin Creek Farms better for customers and for the public that comes to visit. This grant is going to allow us to do one of those larger projects without a drastic increase in our admission prices.”

Nick Horton, an INB commercial lender and a Sherman local, has seen firsthand how small businesses like Pumpkin Creek Farms shape the community. Nick says, “Small business is the heartbeat of the economy and seeing what they’ve been able to do here over the last 10 years has been really cool.  Being able to be a part of that continued growth and allow them to do some of the things they want to do is really fulfilling.”

Genius Mango Smoothie: A Passion Turned Business

For Emily Volle, the owner of Genius Mango Smoothie, the grant is another step in her journey of turning a dream into reality. Emily runs her small business out of a vintage camper-turned-food truck, serving up fresh ingredient smoothies and gourmet toasts. You’ll often find her at the Old State Capitol Farmers Market in Springfield or popping up at local events.

Emily’s story is one of bold entrepreneurship.  In 2023, Emily says, “I thought to myself, ‘I want to do something different, I want to do something more’, and I just decided that it’s now or never!”

With her grant funds, Emily plans to brand her camper with a logo and purchase new equipment like a high-quality smoothie blender to keep up with demand.

For Lauren Hall, AVP, treasury support manager, helping Emily secure the grant was a full-circle moment. Lauren has known Emily for many years and continues to cheer her on as she grows and scales her business. Lauren says, “I think it gives other businesses hope, as well, that there is an opportunity here to be able to expand and see that we’re able to help within the community and allow them an opportunity as well.”

A Commitment to Community

At INB, we believe in the power of small businesses to make a big impact. Whether it’s helping a local pumpkin farm expand or empowering a food truck to reach new customers, we’re here to help dreams take root and grow. 

Activities:

• Senior Ambassador for Girl Scouts
• Student Council Vice President, one year
• Band, eight years
• Basketball, four years
• Softball, one year
• Soccer, four years
• National Honors Society (NHS), three years
• Yearbook, four years
• Key Club
  • Secretary, one year
  • Vice President, one year

Honors:

• DAR Award

Community Activities:

• Teen Court
• Camp Compass

Future Plans:

Viola plans to attend a four-year college and major in kinesiology. After earning her bachelor’s degree, she plans to attend physical therapy school to become a Doctor of Physical Therapy.

Parents:

• John Palusinski
• Nichole Palusinski

INB is the sponsor of the Riverton Student of the Month program. Viola is also in the running for the $500 Senior-of-the-Year award sponsored by INB.

Karyssa joined us after college. She has a bachelor’s degree in accounting, business administration, and finance from MacMurray College. She has taken every chance to build her skills and make an impact, which led to her recent promotion to branch manager. Currently enrolled in the IBA’s Future Leader's Alliance, Karyssa is already preparing to make even bigger contributions to INB and the banking industry. She plans to attend the Graduate School of Banking, which will not only provide professional growth, but reap benefits for both INB and the community we serve.

Passion for Community, Customers & Team

Karyssa’s influence reaches well beyond her role at the bank. She’s involved in several community organizations, including United Way and the Springfield Chamber of Commerce, and has recently led health and wellness workshops at the Educational Center for the Visually Impaired, teaching financial wellness to students. Her commitment to community service speaks to her dedication to giving back and making a real difference in people’s lives.

A significant part of Karyssa’s success comes from her customer-focused mindset. Known for consistently going above and beyond, she has built strong, trusting relationships with clients by ensuring their needs are met with genuine care and expertise.

As branch manager, Karyssa has become a key mentor and leader, creating a supportive and growth-oriented environment for her team. Her focus on team development is not only strengthening the branch, but also helping nurture the next generation of banking professionals, which is vital to INB’s mission and future.

A Well-Deserved Recognition

Karyssa’s achievements and her recent promotion reflect the confidence and respect her team has in her abilities. Her leadership qualities, dedication to customer service, and strong commitment to community involvement make her a deserving recipient of the IBA’s Recognition of Excellence Award. We couldn’t be prouder of Karyssa and are excited to see all that she continues to accomplish at INB. Congratulations, Karyssa, on this well-deserved recognition!

Sarah Phalen is a deserving recipient for the Women of Impact Award.

Sarah began her career at the original Illinois National Bank as a personal banker. The bank was later purchased by a national chain. She, like many of her colleagues, missed the personal touch they were able to provide with community banking. So, when given the opportunity to help establish a new version of INB, Sarah joined the founding team in 1999, managing retail branches, residential mortgage, and marketing before becoming President and CEO in 2011.

Beyond her professional accomplishments, Sarah is involved in the community, serving on the SIU Healthcare Board of Directors, the University of Illinois Board of Trustees, and as Chair of the Vision for Hope Foundation. She is treasurer for both the Lincoln Presidential Foundation and Springfield Sangamon Growth Alliance.

Sarah's leadership both inside and out of the bank is characterized by her ability to inspire and mentor the people she works with. She is the perfect example of a woman who can be both a strong leader and likeable co-worker in most any situation.

Jamie Singer, Vice President, Deposit operations, joined the original INB team in 1999 and worked closely with Sarah. Jamie notes: "Sarah's unwavering support has been instrumental in my professional and personal growth. She values family, supports her employees in balancing work and family responsibilities, and fosters a high morale and loyalty within the team." Jamie says Sarah’s connects with each employee, thanks to her inclusive approach.

Cayla Keyes, VP, Retail Sales Manager, another mentee, describes Sarah as "an inspirational figure and mentor" who has profoundly impacted her professional journey. "Sarah's emphasis on continuing education and her encouragement to pursue further learning opportunities have greatly enhanced my skills and knowledge," Cayla shares, highlighting Sarah's commitment to fostering a culture of continuous growth and development.

Amy Barnes, VP, Wealth, further attests to Sarah's exceptional leadership, stating, "Sarah is a fearless leader who inspires respect with her determination and compassion. She remains approachable and connected to her team, personally meeting every new hire to ensure cultural alignment."

Amy describes Sarah as a visionary disruptor in the industry, challenging norms and pioneering innovative strategies, pushing her team to new heights. “Sarah’s leadership style is a blend of strength, empathy, and a relentless pursuit of excellence. She has been a mentor to many, particularly women in the industry, encouraging them to strive for greatness and break through traditional barriers.”

Sarah’s dedication to personal and professional development has shaped the culture of INB and driven its success. She holds an MBA from the University of Illinois Springfield and a BA in economics from the University of Illinois Urbana-Champaign.

We strongly recommend Sarah Phalen for the IBA Women of Impact award. Her dedication to both her profession and community makes her a fitting candidate.

Springfield didn’t have much in the way of community banks in the late 1990s. Over the preceding two decades, they’d been purchased and re-purchased by the big, nationwide brands looking to expand their reach.

Sarah, Kathy and Debbie had been part of “the sale.” And they did not like the banking experience it provided customers nor the work environment.  Debbie summed it up this way, “I wanted to be happy going to work again.”

Then she heard the rumor that someone was talking about creating a new, community bank. And like Sarah and Kathy, she was “in.”

Creating The Bank from the Ground Level

Once INB had a charter, the team of fewer than 20 had 60 days to open the bank. They set up on long folding tables in an empty room in an office building at MacArthur and Outer Park Drive owned by Charlie Robbins, an original bank investor.

At about this same time, INB was able to secure a permanent location to welcome customers. The Central Illinois Light Co. (CILCO) headquarters at Capitol and 2^nd streets was closing, and while some staff would need to remain during the phase out, the first floor could be vacated, making it ideal for welcoming new customers.

While the first floor had cashier windows that could be used as a teller line, the rest of the space was sparse and dirty, with lots of scotch tape residue on the large windows. They bought cleaning supplies and got to work. Someone brought in a rug. And true to her nature, Debbie tried to make it homey in other ways. Sarah notes, “We wanted “nice,” but our first customers pretty much didn’t care that the space wasn’t up to par. “They were just excited that we were here.”

One of the best parts about the small staff and limited office space is they allowed everyone to see and solve problems right away.  “Customers were very patient,” Kathy noted.  Sarah adds: “We focused on what was best for the customers.”  And the team was humbled by the number of people who took a chance on the new INB.

The Right People in the Right Jobs

It wasn’t long before Kathy and Debbie had distinct yet intertwined roles.  Kathy suggested to Sarah that they needed someone to be more operational.  Write policies.  Assure they followed banking rules.  Work with vendors. That left Debbie to manage the bank’s second location In Montvale Plaza.  

Over the years, Debbie has reported to Kathy, and Kathy to Debbie.  “It hasn’t mattered,” Kathy says.  “We respect one another’s different strengths.”

Sarah credits Kathy and Debbie with being able to spot talented potential employees.  There’s the summer seasonal employee who became a commercial lender.  A teller/manager who took advantage of an opening in marketing. Even today’s chief operating officer started in retail. 

When Kathy joined INB, she looked at it as an opportunity to be part of a once in a lifetime thing.  While people hired today don’t have that same ground-level experience, if they come in with an open mind, they’ll be ready when there is a good opportunity.  Debbie, who admittedly is more of an extravert than Kathy, suggests, “Make yourself known. Put in the work.  People will notice you.” 

“Who knows?” Sarah adds. “You could find yourself in a place where you’re the expert!”

Activities:

• Art club – four years
  • President – two years
  • Vice President – one year
• Scholastic Bowl – four years
  • Varsity Captain – two years
• Student Council – three years
• Drama – three years
• Science Olympiad – one year
• National Honor Society
  • Vice President – two years

Honors:

• Art Show winner – Three consecutive years (freshman, sophomore, and junior)
• October Art Student of the Month at Gallery 510 in Decatur, IL
• All Conference High Scorer for Scholastic Bowl – junior year
• Third place medalist for Forestry in Science Olympiad – sophomore year
• Central Illinois High School Art Exhibit at Millikin University
• Voice of Democracy Contest Winner
• High honors student – four years

Community Activities:

• Volunteer at Mt. Pulaski Public Library
  • Holiday meal program – five years
  • Grinchmas
  • Summer reading
  • Story times
• Halloween Food Drive
• Lincoln Farmer’s Market
• Refuge Ranch
• Christmas on Vinegar Hill

Future Plans:

Maggie plans to attend college and pursue a degree in education to become a high school history teacher.

Parents:

• Amanda Doherty
• Chris Doherty

In Mt. Pulaski, the Senior of the Month program is sponsored by Conaway Handyman Service and Downing, Przykopanski, Clements, & May Insurance Agency, Inc. Maggie is in the running for the $500 Senior of the Year award sponsored by INB.

Dusting off the Early Days

Jenny Broughton, our deposit operations officer, began her banking career as a teller. She came to INB after First of America merged with National City. She says she took the job with our unproven entity because she was ready for a change. On day one, she showed up at Charlie Robbins' office, where staff worked until we could move into our permanent location. Jenny walked into what looked like disarray.  She elaborates: “I walked into whiteboards, boxes, chairs, and Cathy LeConte – executive assistant -- at a little folding table with flowcharts everywhere. It was chaotic, but I knew I wanted to be part of it."

Jamie Singer’s banking journey began when she was in high school "I started working in 1997 with First of America while at Lanphier High School. I was just 17 years old and had no idea what I was doing, but it was an exciting time.” When she came to INB in 1999, she was the youngest person on staff.  “I felt like I had a lot to prove," she says. Today, Jamie is INB’s vice president, deposit operations.

Reflecting on our move to the Capitol Avenue address, Jenny recalls it wasn’t quite the office she had anticipated. "I couldn’t believe I’d be working here. It was a mess! The place was dusty and filled with old furniture." Jamie added, "It was interesting to see the transformation.” The three of us actually worked through the transformation, hard hats and all!

322 E. Capitol is still INB’s headquarters. In our 25 years, we’ve renovated two other historic buildings on Fourth Street between Capitol Ave. and Jackson St.  Because of our footprint, Jamie has spent almost all her INB career in the complex. “Being downtown,” she says, “you see all walks of life. I often feel like a counselor, helping people improve their lives, which makes me appreciate my own life more.  More importantly, interactions like this remind me of the human side of banking.”

Navigating Challenges and Embracing Change

The past two decades have brought significant changes to the banking industry. Jamie points out, "ATM cards and direct deposit were big innovations. Later, debit cards and digital banking transformed how we operate. FedNow is expected to have a big impact in the coming years."

Given the change, our long-tenured employees have had to adapt. Jenny highlights the importance of continuous learning and teamwork. She has this advice for anyone just starting out: "Get a training mentor, work hard, and respect your team. Understand why you're asked to do things; this will help you see how everything fits together.”

My own advice is to not get too comfortable with your job.  Take your experience and knowledge apply it to something else.  It’s in the uncomfortable that you see what you can do.

I used this philosophy when I asked Jamie to head up Deposit Operations for us. She’d worked in our Retail and Treasury departments. As Jamie explains it, “I had front-end experience, and Sarah wanted me to use that experience to make the back-end the best it could be.” Jamie was anxious about taking on the task, but she is definitely the right person for the job.

Jamie’s tips on career advancement? "I would tell any new employee to find what interests them and learn as much as possible. Don't say no. Figure it out and be motivated to learn more."

Building a Positive Work Environment

Managing people comes with its own set of challenges. Jamie shares, "I've had to terminate employees and deal with difficult situations. Sometimes, we're just not the right fit for someone, which can be hard."

Despite these challenges, our focus remains on building relationships and a positive work environment. Jamie's approach is to be like a coach. "I love seeing someone become an expert. I try to see the potential in our employees and to help them be incredible. They are better than me now."

Conclusion: A Journey of Dedication and Passion

When I talk to long-tenured employees and reflect on our journey, it's clear that INB's success is rooted in the dedication and passion of its employees. From our early days of whiteboards and folding tables to navigating modern challenges, we've always been a community-focused institution. As we celebrate 25 years, we remain committed to our values of caring and community support. I’m looking forward to more years of growth and success at INB.

With Autobooks, small businesses can now manage payments and cash flow in a whole new way, receiving online payments directly within their INB digital banking environment.

Why Autobooks?

What makes Autobooks so special for INB’s clients?  Nathan says the “seamless integration” within our existing digital banking system is key. “CSI (INB’s core banking partner) worked with Autobooks to make it easier for our customers to use this small business banking tool from their existing digital banking access,” he explains. This integration means there’s no additional website or login. “It’s all right there in their banking platform, making it simple and straightforward to track payments,” Nathan adds.

Autobooks is tailored specifically for the needs of small business owners and nonprofits, providing features that simplify financial management. Clients can create and send professional invoices, schedule recurring billing, and accept card and ACH payments that deposit directly into their INB checking accounts. Nathan points out, “The ability to send a professional invoice and receive electronic payments without needing an ACH processor or card merchant contract can make a big impact for small business owners.”

Fast and Easy Setup

Once clients opt in, Autobooks will often show up in their digital banking experience within 15 minutes. “For most clients, setup is quick,” Nathan confirms, “although it might take up to a day or two if there’s a need for manual review.” This rapid onboarding means clients can start leveraging Autobooks’ powerful tools almost immediately.

Key Feature: Seamless integration

Nathan emphasizes Autobooks’ value in streamlining tasks that previously might have required multiple tools or service providers. “There’s no need to set up additional security or have a separate payment processor,” he explains. Autobooks handles it all, making it easier for business owners to focus on their core operations rather than administrative tasks.”

Another feature Nathan is excited about is the customizable payment link. “Small businesses can embed a payment link on their website or use a QR code for quick, easy payments. They can even set up recurring invoices that send automatically,” he notes. These functionalities allow businesses to present a polished, professional image while also simplifying how they receive payments.

Strong Support and Security

At INB, security is paramount, and Nathan assures clients that Autobooks delivers on this front. “Since everything is integrated within our digital banking experience, there’s no separate login or website. Autobooks handles all the payment processing securely,” he shares. And should any questions arise, INB’s retail staff are fully trained, with Autobooks’ dedicated support team also on standby to assist.

A Tool Built for the Future

Looking ahead, Nathan sees Autobooks as an innovative addition that enhances our entire digital banking lineup. "This platform is a big help for our customers, especially those small businesses looking for low-cost ways to manage payments and invoices,” he says. As our Treasury Sales team reaches out to clients, Nathan expects many will find Autobooks to be a perfect fit for their needs.

Experience the Autobooks Difference

INB’s partnership with Autobooks means our clients have access to an array of digital tools that go beyond invoicing. From cash flow management to financial reporting, Autobooks offers everything small business owners need to manage their finances easily. “It’s all about helping our business community grow,” Nathan shares, “so they can spend less time on the back-office work and more time building their businesses.”

This new partnership underscores INB’s commitment to innovation and to meeting the evolving needs of our business clients. We’re excited to see how Autobooks continues to empower small businesses, helping them manage their cash flow, simplify financial tracking, and focus on growth.

Visit our Autobooks page or contact the Treasury Services Support Team at 217-747-8636 to learn more about Autobooks.

And like a kid cements you to a community, INB’s Montvale Branch cemented INB to the community.

In a 2016 interview Debbie said, “People don’t leave Montvale,” referring to both bank employees and customers. “Part of the job is to get to know your customers,” she says. “When we first opened, we worked hard getting people excited to be part of this bank. We wanted to help make the community a better place to live. We wanted to help grow with our customers’ families.”

On a personal level, Debbie, who then served as Montvale branch manager, very much wanted INB to be a respected name. She’d been part of “big bank” banking in the late 80s and early 90s, and she didn’t like it. When she was asked to join INB and, as she put it, “help customers again,” she didn’t have to think long about her decision even though she had young children still at home. “I just knew it couldn’t go wrong,” she says. “I wanted to be part of the winning team.”

And that was easy given the team she was not only working for, but the team she was allowed to build. “That was exciting,” she says. “We hand-picked staff people who are still here today . . . We created a dream bank.”

Debbie noted it was “a dream” to get to set up the Montvale facility. She had a hand in everything from the way the teller lines and offices were set up to hiring an artist to create artwork for the space.

Just as business was slow at the downtown location when it first opened, so was Montvale. And then it happened. “One day we looked out and saw a car in every drive-up lane! On my gosh, the drive-up was full!!” Debbie knew they’d found success.

Because Debbie was so good at what she did, she was eventually asked to move to the bank’s Wabash location in 2005. Before retiring in 2024, she stepped in to manage both the Wabash and Montvale locations. 

Expanded Mission in 2021

By 2020, INB needed a new space to serve customers from.  We didn’t need to look far. Pat Phalen, INB executive vice president, noted that thanks to some vacancies in the property, INB was able to expand in it’s already high-trafficked branch on Chatham Road.

Today’s INB at 2601 Chatham Road, Springfield, is both a branch and headquarters to INB’s Wealth team.  Because Wealth associates often work directly with customers, the ready access to parking and high visibility of the location made the decision to choose to expand the site easy as well.

In 2021, Debbie was back to serving as Montvale branch manager. She said then that she remembers thinking in 1999 that her team was “part of something big.”  She added: “Now we’ll be there to not only witness what happens with our retail operations, but also to see our Wealth team do great things for our customers.”

Our Montvale location is now the work-home to about a dozen members of the Wealth Team. The space added in 2021 includes offices, shared work space, and a large conference room.

Our Wealth team is made up of experts in:

• Business Consulting
• Estate Planning
• Health Savings Accounts
• Insurance
• Non-Banking Investments*
• Retirement Planning
• Tax Preparation
• Trust

*Offering general securities through INFINEX INVESTMENTS, INC. Member: FINRA/SIPC Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC.

Yes, using unsecured Wi-Fi is like leaving your front door wide open to thieves.

What’s the Deal with Unsecured Wi-Fi?

Unsecured Wi-Fi is any network that doesn’t ask for a password or uses weak security. You’ve seen it everywhere—from hotels to airports and even “Free Wi-Fi” networks sponsored by local municipalities.  When you connect to these networks, your data is out in the open, waiting to be snatched.

Here’s How Unsecured Wi-Fi Can Mess You Up

1. Data Snatching: Ever heard of packet sniffers? Hackers use “packet sniffing” tools to grab whatever data you’re sending over the network. So, when you’re checking your bank account or typing in your credit card info at the coffee shop, you might be handing your personal data over on a silver platter.
2. Man-in-the-Middle Attacks: Hackers can slide right between you and a website, altering what you see, and potentially rerouting you to a fake site. It’s like sending a text to your friend, but a hacker edits the message before it gets delivered.
3. Fake Wi-Fi Hotspots: Hackers set up fake Wi-Fi networks that look just like the real thing. You might think you’re connecting to “FreeBestCoffeeWiFi,” but it’s actually “BestCoffeeFreeWiFi123” run by some cyber-criminal lurking in the corner. Once you’re in, they can watch everything you do online. If you log in to your INB online banking, they’ve got your info.
4. Malware Galore: Unsecured networks can also spread very quickly. Hackers exploit network weaknesses to install junk on your device, like keyloggers that track every keystroke you make. So next time you enter your bank password, guess what? They’re writing it down too.

The Fallout: Why You Should Care

Getting hacked on public Wi-Fi isn’t just a hassle—it can totally mess up your life. Cybercriminals could empty your accounts, run up your credit card, or even steal your identity. Fixing the mess can take months, not to mention all the stress and potential financial loss.

Play It Safe; Avoid the Drama

Here are some quick tips on how to avoid this drama:

1. Skip Public Wi-Fi for Sensitive Activities: Seriously, just don’t do it. Save your banking for when you’re on a secure network, like your home Wi-Fi or mobile data.
2. Get a VPN: A Virtual Private Network (VPN) is like your personal invisibility cloak for the internet. It encrypts your data, making it harder for hackers — even on public Wi-Fi.
3. Turn on Two-Factor Authentication: Adding two-factor authentication to your bank account is like putting a lock on your door and having a guard dog, too. It’s extra security that sends a code to your phone, making it tougher for hackers to get in. All INB customers are required to use two-factor authentication while using INB’s digital banking. 
4. Keep Your Devices Up-to-date: Use this quick and easy tip: Regularly update your phone, apps, and browsers to patch security holes that hackers have learned to exploit.

Bottom Line

Public Wi-Fi might be convenient, but it’s not worth the risk when it comes to your money.

Activities:

• Student Council Class President, one year
• Class Officer, three years
• Scholastic Bowl
• Book club
• Band
• Jazz band
• Choir
• Theatre

Honors:

• English award

Community Activities:

• Worked at PAVE summer camp

Future Plans:

Amelia plans to get a bachelor’s degree in English and attend graduate school.  She is hoping to go into a publishing career.

Parents:

• Erin Slightom
• Ben Gaddis

INB is the sponsor of the Riverton Student of the Month program.  Amelia is also in the running for the $500 Senior-of-the-Year award sponsored by INB.