Debit Cards

Credit cards have their place, but if you want to be accountable for your spending, cash truly is king. And because electronic payments are sometimes the only way to make a purchase, a debit card is as good as cash because it assures real-time payments that are instantly reflected in your checking account balance.

Stay Accountable for Your Spending:  Real-time, cash payments with your debit card help you only spend what you have. It’s easier to make impulse purchases with a credit card because you have time to pay it back. By only making payments with cash or through your debit card, you’re able to see if you can truly afford a purchase or not. 

Think about it: You probably look at your checking account on your INB app more than you look at the transactions on your credit card. When you do look at your account, you’re going to see what’s coming out of your account right away. This real-time information can keep you from making bad financial choices.

Faster Payment = Better Budgeting:  When all your payments come from one place – your checking account – it’s much easier to keep track of what you’re spending.  Debit cards help do this because you can immediately see if you’re sticking to your budget.

No Interest Charges:  Credit card companies charge interest when you can’t pay a monthly bill in full. With debit cards, you’re using your own money from your own account without incurring interest charges. 

Security and Protection of VISA: While cash is king, it’s not wise to walk around with wads of it in your purse or pocket.  When you use your INB debit card, you have zero liability guaranteed through Visa's Zero Liability Policy. You won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa debit card is lost, stolen or fraudulently used, online or offline. Not to mention the ability to turn your card off with the click of a button inside the INB app!