Savings Accounts

Apply for an INB Savings Account

At INB, our savings accounts are tailored to your future plans. It’s easy to work toward your savings goals by choosing the account option that’s right for you.

You can save even more with an INB Checking Account: read about savings options with INB checking accounts here.

Learn more about INB Savings Accounts

  Regular Savings Account

  • $50 minimum opening deposit
  • $2 monthly maintenance fee can be waived by maintaining $200 minimum daily balance
  • An excess withdrawal fee of $2.00 will be charged for each withdrawal (including transfers) in excess of 4 each month*

  You Name It Savings Account

New designer boots? A vacation? Sports car? INB’s You Name It savings account helps save for whatever you set your sights on!

Choose what you’re saving for, then set your goal and savings target. On the target date, your savings will automatically transfer into your INB checking or savings account to use.

Use our calculator to plan your saving strategy.

    • $50 minimum opening deposit
    • If you make more than two withdrawals (including transfers) in a month, you’ll be charged a $10 withdrawal fee.*

Check out our blog for the success our customers have had with a You Name It Savings Account:

Couple handles expense of Christmas gifts with YNI account

Jan has 2 YNI accounts - for Christmas and for “extras”

Erin successfully saved for wedding expenses with a YNIS account

If you’re a checking account customer taking part in our Pocket Change program, we’ll also match your Pocket Change transfers, up to $100, for the first 90 days of opening your You Name it Savings Account!

We will round up your INB VISA debit card purchases based on your enrollment choice and transfer the difference from your checking account to your “You Name It” Savings Account. We will match 100% of your Pocket Change transfers for the first 90 days of enrollment, up to $100. Matching funds will be paid at the end of the 90 day period on accounts that remain open and enrolled. Please see our Rate Chart for additional information. Rates may change at any time. We may cancel or modify the Pocket Change service or any matching promotional offers at any time without prior notice. Matching funds will be reported to the IRS on Form 1099.

  Youth Savings Account

When you’re ready to move from the piggy bank to a bank account, the youth savings account gives the added benefit of earned interest.

  • Account holder must be under the age of 18
  • $10 minimum opening deposit
  • $2 monthly maintenance fee can be waived by maintaining a $10 minimum daily balance
  • An excess withdrawal fee of $2.00 will be charged for each withdrawal (including transfers) in excess of 4 each month*

Read more on our blog about the importance of helping kids save or watch the video below.


  Money Market Savings Account

  • $1,000 minimum opening deposit
  • $8 monthly maintenance fee can be waived by maintaining a minimum daily balance of $2,500
  • An excess withdrawal fee of $2.00 will be charged for each withdrawal (including transfers) in excess of 4 each month.*

  Maximizer Savings Account

  • $50,000 minimum opening deposit
  • $10 monthly maintenance fee can be waived by maintaining a minimum daily balance of $10,000
  • An excess withdrawal fee of $10.00 will be charged for each withdrawal (including transfers) in excess of 3 each month.*

Health Savings Account - works to keep both you and your finances in good health.

*Please note: You may make six (6) transfers from your account each four (4) week or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order (including point of sale transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.


Apply online for an INB Savings Account

Or call us: 217-747-5500. Toll free: 1-877-771-2316