Reward Checking

Take advantage of this free, high interest earning checking account

While other banks hold your money, this free, high interest checking account actually helps you earn more. With Reward Checking, you can earn up to 1.01% APY* and domestic ATM fee refunds if you qualify. See branch for terms and conditions of account.

To qualify, you need to have 12 debit card debit transactions post and settle to your account during each monthly qualification cycle and receive electronic statements through online banking. You will earn a competitive interest rate and be able to get cash from any ATM in the country—not just in Washington or Idaho, but nationwide.

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Great Rates

Competitive tiered rates if you qualify

No Minimum

After initial opening deposit of $100.00, there is no minimum balance required

Online Banking

Gain free access to our online banking, bill pay, and mobile banking

Up to $15,000 Balance

Reward Checking and Reward Checking II accounts receive a 1.01% interest rate on balances up to $15,000 with a 1.01% APY* if you qualify

Over $15,000 Balance

Reward Checking and Reward Checking II accounts receive a 0.12% interest rate for the balance in your account over $15,000 with an APY* for this tier ranging from 0.25% to 1.01% if you qualify

Non-qualified Account

Reward Checking and Reward Checking II account receive a 0.05% interest rate and 0.05% APY* on your entire balance if you do not qualify

ATM Fee Refunds

Receive domestic ATM fee refunds up to $25 per monthly statement cycle if you qualify

No Minimum Balance

$100.00 minimum deposit to open account, after that there is no minimum balance required to maintain this account or to meet the qualifications

Unlimited and Free

Receive unlimited checking and a free debit card with free access to Online Banking, Mobile Banking, and Bill Pay


Reward Checking II

Reward Checking II account requires that you have a Reward Savings account. Any interest earned and domestic ATM refunds on the Reward Checking II will be transferred to the Reward Savings the first business day after your statement cycle. Help build your savings with automatic transfer and another high interest rate by adding a Reward Savings Account.


In order to receive the monthly rewards, just do the following each Qualification Cycle:

Have at least 12 debit card point of sale transactions post and settle per Qualification Cycle. The debit card point of sale transactions may not be in a pending state to qualify as one of the qualifying transactions. Transactions may take one or more business day from the date the transaction was made to post and settle to an account. ATM processed transactions and point of sale credits do not count towards qualifying debit card transactions. Intrabank transfers do not count as a qualifying transaction.

Consent to receive your monthly statement and disclosures electronically through online banking. If you choose to receive your monthly statement in paper format, you will receive the non-qualifying annual percentage yield. Even if you don't get the rewards, you'll still earn our non qualifying APY*, and you'll get the higher qualifying APY* and domestic ATM fee refunds back the next month you qualify! See branch for terms and conditions of account.

"This checking account is versatile and can be used to help earn money back on money deposited at INB"

*Annual Percentage Yield (APY) accurate as of 6/1/15. Contact us for current rates and terms. Rates may change after the account is opened. Fees may reduce earnings.

The qualification requirements must be met by the end of the Qualification Cycle. The Qualification Cycle means a period beginning one business day prior to the first day of the Statement Cycle through one business day prior to the close of the Statement Cycle. In order to fully understand the Qualification Cycle, you must understand how the Statement Cycle cutoff date is determined. The Statement Cycle cutoff date will be the 25th day of each month if the 25th is a business day. If the 25th is a weekend or federal holiday, then the Statement Cycle cutoff date may be up to three calendar days earlier. For example, if the 25th of the month falls on a weekend, the qualification transactions must post and settle by Thursday of that week. If the 25th falls on a federal holiday, the Statement Cycle cutoff date will be two business days before the federal holiday, which may result in a Qualification Cycle ending up to four calendar days prior to the 25th. Business days are Monday through Friday, excluding federal holidays.

If you have met your qualifications for the month, we will reimburse you for domestic ATM fees up to $25.00 per Qualification Cycle. Domestic ATM fees up to $4.99 will be reimbursed automatically. Reimbursement of domestic ATM fees higher than $4.99 require you to present a receipt in branch. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable. Domestic ATM fee reimbursement will be credited to your account on the last day of your Statement Cycle for domestic ATM fees charged to your account during the Qualification Cycle. If a domestic ATM fee is charged between the Qualification Cycle cutoff date and the Statement Cycle cutoff date, it will be included in the next monthly Qualification Cycle. If you do not meet the qualifications, the following Qualification Cycle you will not be reimbursed for this fee.

Qualification Cycles for 2015

December 24, 2014 to January 22, 2015

February 25, 2015 to March 24, 2015

March 25, 2015 to April 23, 2015

April 24, 2015 to May 21, 2015

May 22, 2015 to June 24, 2015

June 25, 2015 to July 23, 2015

July 24, 2015 to August 24, 2015

August 25, 2015 to September 24, 2015

September 25, 2015 to October 22, 2015

October 23, 2015 to November 24, 2015

November 25, 2015 to December 23, 2015

December 24, 2015 to January 24, 2016