Cayla Keyes’ son is in the United States Military, Army National Guard, which means he is required to travel a lot for drill, training and deployment.

Thanks to INB’s Military & First Responders Bundle, he’s able to get reimbursed for ATM fees, giving him easy, free access to his money.

“INB’s nationwide free ATM service and the reimbursement of up to four ATM fees per month on non-MoneyPass ATMs have been incredibly useful for him,” says Cayla, VP, Retail Sales Manager for INB. “He’s found that ATMs in other countries can be pretty costly in terms of the fee.”

To recognize the dedicated service of our military and first responders, INB wants to serve you in the best way we can: special opportunities to earn and save, created with your needs in mind.

We know you work hard for your country and community. So we want to make your money work for you. As a thank you, we’re offering additional ways to earn, as well as other savings opportunities.

If you open an INB personal checking account, you can receive these incredible benefits:

• Receive a $200 closing cost credit on one new INB home loan for a primary residence. This can be a mortgage, construction or bridge loan.
• Receive a $250 bonus when you open an INB personal checking account* that includes a monthly direct deposit. Then, with the account in good standing, make sure one of the following occurs in the account’s same statement cycle as that direct deposit:
  • At least one bill payment through INB digital banking.
  • Or, complete at least 10 debit card transactions using your INB debit card.
  • Or, set up an automatic loan payment to your INB home loan from this account.
• Have access to free ATM service nation-wide with your INB debit card on the MoneyPass ATM network.
• Receive a reimbursement of up to four ATM fees per month when using your INB debit card on a non- MoneyPass ATM.
• Receive a waiver of the $35 annual fee on an approved INB Cash Reserve line
• Receive a one-half percent discount on INB auto and boat loans, and we’ll waive our documentation fees, currently $50.
• In addition, sign up for Pocket Change with your new INB checking account, and we’ll match** your Pocket Change transfers to your INB savings account, up to $100, for the first 90 days.

“From our family’s perspective, this special offering acknowledges and rewards the immense sacrifices made by our military personnel and first responders,” Cayla shares. “These individuals dedicate their lives to protecting and serving our community, and it's important for us to support them in return. By providing these financial benefits, we're not only easing their financial burdens but also showing appreciation for their hard work and dedication.”

She adds: “Additionally, INB makes it easy to request services by phone, email, or online, and we have staff with the knowledge to serve those in these situations, offering advice and working with families at home to get what is needed when they are away."

Helping Veterans Buy a Home

INB mortgage lender Corey Kates was recently contacted by a veteran couple who was moving from Memphis to the Springfield area. INB was able to close on their Veterans Affairs (VA) home loan within two weeks from the day of the contract.

“We were so glad we were able to make sure they had a place to live when he started his new job as a Springfield police officer,” Corey says.

Corey is a Veteran Mortgage Advisor, a certification he obtained that gives him unique expertise with VA loans. VA loans are a mortgage option available to veterans, service members and select military spouses, and are guaranteed by the U.S. Department of Veterans Affairs.

Corey, NMLS# 1652367 is one of only a handful of mortgage lenders in Illinois with the Veteran Mortgage Advisor certification. After receiving this distinction, he collaborated with the entire INB Mortgage Department to restructure VA loans to ensure a smoother process getting our veteran clients into their new homes.

“We have a large military presence in Sangamon County, and I take pride now in specializing in these VA loans so that I can better help my veteran clients take advantage of this benefit after their service to our country,” Corey says. “At INB, we’re experts in VA loans and make banking easy for veterans.”

*Minimum opening deposit requirement of $50 for Power Checking and Easy Checking. The minimum opening deposit required for Power Plus checking is $2,500. Annual Percentage Yield as of 5.01.23 for Power Plus Checking is tiered and ranges from 0.15% on balances up to $4,999.99 and 0.35% for balances of $5,000 and over. Rate and APY may change at any time. Fees may reduce earnings. If you maintain your new INB checking account with direct deposit of payroll, Social Security, retirement, or disability income, and either an automatic payment from this account to your new or existing INB mortgage loan, pay at least one bill payment through INB online banking or complete at least 10 debit card transactions using your INB debit card, then we will deposit $250 to your INB checking account by the end of the statement cycle in which these required activities occur. Direct deposit and automatic payment to an INB mortgage loan, payment of at least one bill though INB digital banking or completion of at least 10 debit card transactions using your INB debit card must occur within the same statement cycle and within 120 days of account opening to qualify for the $250 bonus. Limit one per customer. The bonus will be reported on IRS form 1099-INT.

**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 savings account. We will match 100% of your Pocket Change transfers for the first 90 days of enrollment, up to $100.00. Matching funds will be paid at the end of the 90 day period on accounts that remain open and enrolled. All personal checking accounts are eligible. Eligible personal savings accounts include Regular Savings, which requires a minimum opening balance of $50.00 and pays an annual percentage yield of .20% as of 5.01.23. Rates may change at any time. Fees may reduce earnings. 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. Excludes Rising Rate Certificates of Deposit/IRAs, Money Market Savings IRAs, Structured Savings IRAs, and Premier Money Market Savings Accounts. Benefits subject to change without notice.