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Reward Savings

With Reward Checking II, receive this high interest savings account

Each month, your Reward Checking II interest and ATM fee refunds are automatically transferred here to help you build your savings. Together, these two accounts make it easy to build your balance fast. Visit an INB location for terms and conditions of account.

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Great Rates

Competitive tiered rates if you qualify

No Initial Deposit

There is no need to make an initial deposit in order to open a Reward Savings account**

No Minimum

There is no minimum deposit to maintain or meet the qualifications for a Reward Savings account

Up to $15,000 Balance

Receive a 0.20% interest rate on balances up to $15,000 with a 0.20% APY* if you qualify

Over $15,000 Balance

Receive a 0.12% interest rate for the balance in your account over $15,000 with an APY* for this tier ranging from 0.13% to 0.20% if you qualify

Non-qualified Account

Receive a 0.05% interest rate and 0.05% APY* on your entire balance if you do not qualify

Reward Checking II

The Reward Savings account is linked directly to a required Reward Checking II account

Refund Transfers

Automatic interest and domestic ATM fee refund transfers from your Reward Checking II account to your Reward Savings account

Online and Mobile Banking

Gain free access to INB Online and Mobile Banking



To qualify for the higher Reward Savings rates you must have a linked Reward Checking II account which has met the following qualifications during the monthly Statement Cycle:

  • Have at least 12 debit card point of sale transactions post and settle per Statement 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 days 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.
  • 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.
  • *Annual Percentage Yield (APY) accurate as of 8/19/16. Contact us for current rates and terms. Rates may change after the account is opened. Fees may reduce earnings.
  • If you have met your qualifications for the month, we will reimburse you for domestic ATM fees up to $25.00 per Statement 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 Statement Cycle.
  • **The linked Reward Checking II account does require a minimum deposit of $100.00 to open.

In addition, you are required to receive your Reward Savings monthly statement and disclosures electronically through online banking.

Understanding the Qualification Cutoff

The qualifications noted above must be met by the end of the Statement Cycle. 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 the Statement Cycle cutoff date may be up to three calendar days earlier. For example, if the 25th is a Monday federal holiday, the qualification transactions must post and settle three calendar days prior to the 25th (by Friday of that week). Business days are Monday through Friday, excluding federal holidays.