Open a New Checking Account Now

At INB, we take your finances personally.

INB offers checking accounts that are specialized to meet your individual needs.

Access your account anytime with our convenient ATM locations, 13 branches throughout central Illinois, or through your digital banking. And all our checking accounts are powered by BaZing.

Learn more about INB Checking Accounts:

  Power Checking

Account Requirements

  • Opening deposit: $50
  • Monthly maintenance fee: $6

Account Benefits

  • Digital banking and mobile app
  • Visa® debit card
  • Pocket Change
  • Online statements and notices
  • Free use of OVER 37,000 MoneyPass ATMs in the U.S.
  • Discounted price for checks $6/box (wallet style, specialty checks - one box per year)
  • Waive INB's portion of the fee to use out of network ATM (4 times per statement cycle)
  • Check Images with statements

BaZing Benefits

  • Roadside Assistance
  • Health Savings Card
  • Cell Phone Protection1,2
  • ID Theft Aid1,2,3
  • $10,000 Travel Accidental Death Coverage2
  • Buyer's Protection and Extended Warranty1,2
  • Shop Local, Save Local with BaZing Savings4

1Cell phone protection and buyer’s protection and extended warranty is subject to additional terms and conditions.

2Insurance products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THIS FINANCIAL INSTITUTION.

3Identity monitoring and credit monitoring require activation to begin.

4Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

  Power Plus Checking

Account Requirements

  • Opening deposit $2,500
  • Minimum daily balance $2,500
  • Monthly maintenance fee $10
  • To avoid monthly maintenance fee:
    • Maintain minimum daily balance

Account Benefits

  • Digital banking and mobile app
  • Visa® debit card
  • Pocket Change
  • Online statements and notices
  • Free use of OVER 37,000 MoneyPass ATMs in the U.S.
  • Earns interest
  • Free checks (wallet style, specialty checks - one box per year)
  • Reimburse portion of fee charged by ATM owner (4 times each statement cycle)
  • Waive INB's portion of the fee to use out of network ATM (4 times per statement cycle)
  • Free cashier's checks
  • Check Images with statements
  • Cash Reserve annual fee waived
  • Bonus rates on select CDs/money market accounts

BaZing Benefits

  • Roadside Assistance
  • Health Savings Card
  • Cell Phone Protection1,2
  • ID Theft Aid1,2,3
  • $10,000 Travel Accidental Death Coverage2
  • Buyer's Protection and Extended Warranty1,2
  • Shop Local, Save Local with BaZing Savings4

1Cell phone protection and buyer’s protection and extended warranty is subject to additional terms and conditions.

2Insurance products are: NOT A DEPOSIT, NOT FDIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THIS FINANCIAL INSTITUTION.

3Identity monitoring and credit monitoring require activation to begin.

4Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

  Easy Checking

Account Requirements

  • Opening deposit: $50
  • Minimum daily balance: $500
  • Monthly maintenance fee $6
  • Ways to avoid monthly maintenance fee: maintain minimum daily balance; or have a monthly direct deposit; or have a monthly direct debit of an INB loan payment; or high school or post-secondary education enrollment.

Students: INB will waive the monthly maintenance fee when you're in school.

Account Benefits

  • Digital banking and mobile app
  • Visa® debit card
  • Pocket Change
  • Online statements and notices
  • Free use of OVER 37,000 MoneyPass ATMs in the U.S.
  • Waive INB's portion of the fee to use out of network ATM (4 times per statement cycle)
  • Reimburse 4 ATM surcharges per month for account holders enrolled in high school or post-secondary education

Easy to Switch

Do you want to switch from your current bank to an INB Checking Account? We make it easy on you!

Our new technology allows us to switch all of your direct deposits and automatic payments in just a few clicks. We’ll notify your previous bank and even transfer all of your bill payees into INB’s online bill pay service!

Simply stop by an INB branch or start the process online now.

You can save money with INB Checking Accounts 

Read about savings options with INB checking account.

Benefits for Mortgage Customers

Are you an INB Mortgage Customer? Take advantage of bonuses when you sign up for an INB Checking Account! Read more here.

Order Checks

Click here to order more checks.


Have questions or need help choosing the right checking account? Give us a call at 217-747-5500 or toll-free 877-771-2316.