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    Personal Banking

    Personal Checking Accounts

    All INB checking accounts have access to our standard benefits at no additional charge:

      • Online Banking - instant access when and where you need it.
      • Bill Pay and Presentment - our premium service allows you to receive, pay and track your bills from our secure site.
      • Personal Finance Works - budget and planning assistance right in your online session.
      • Mobile and SMS Text Banking - check your balance, view recent purchases, deposit checks, pay your bills, transfer funds through your cell phone or smart phone.
      • ATM and Visa Debit cards
      • INB Pocket Change and automatic transfer to savings
      • Purchase Rewards - turn everyday purchases into cash with your INB Debit card.
      • Unlimited check activity
      • Get your important bank information quickly with E-Delivery of statements and notices!




      More on the Capitol Account

      $10,000 Accidental Death & Dismemberment Insurance

      You’ll have peace of mind with Accidental Death and Dismemberment Insurance 24-hours a day.

      Immediate access for Capitol Account holders. Call 1-800-251-2311 in the event a claim needs to be filed.

      Cash Back Rewards1

      Earning cash back has never been easier! Simply shop online through our network of hundreds of top retailers and receive cash back on qualifying purchases. Savings made simple. Earn cash rewards for online purchases at some of the top online retailers.

      1 Visit for complete terms and conditions.

      Vision Plan*

      Valuable eye care savings for the entire family! Receive discounts at over 22,000 providers on eyeware and eye exams nationwide.


      Everyday Rebate Rewards

      Members get rewarded by purchasing items they use every day! Members get 10% back, up to $20 per quarter, just for sending us their receipts. That's up to $80 each year!

      Fill out benefit request form or call 1-877-887-8052 Monday-Friday, 7am-8pm CST and ask for a new set of forms. You will need your member ID number if you call the toll-free line.


      Online Savings

      Save big with access to thousands of discounts! And with the Savings on Tap® mobile coupon add, available for Apple and Android, it's easy for members to take their savings with them wherever they go.


      Savers Club® Book

      Members have everyday savings right at their fingertips! Savers Club is filled with deals and discounts that be used all year long.

      Once you receive your Savers Club Book, log on to and enter your ID number (located on your Savers Club membership card). Register if you are a first-time user, and then choose the category you wish to browse. Follow the instructions to redeem the offer(s) . For convenient travel planning, search by zip code in the “hotel” and “recreation” categories.

      *Medical Discounts are NOT insurance. For all health discount benefits, the Optum HealthAllies discount plan is administered by HealthAllies®, Inc., a discount medical plan organization. For a complete list of providers in your area, visit The Optum HealthAllies discount plan is NOT insurance and cannot be used in conjunction with an insurance plan. The discount plan provides discounts at certain health care providers for medical services. The discount plan does not make payments directly to the providers of medical services. The discount plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. HealthAllies, Inc. is located at P.O. Box 10340, Glendale, CA 91209, 1-800-251-0003,, The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered.MA residents: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. The range of discounts for specified medical, pharmacy or ancillary services provided under the plan will vary depending upon the type of provider and the type of services received.

      Health discounts are not available in all states. Please go to to check availability in your state.


      Special Program Notes:

      Accidental Death Insurance is administered by Affinion Benefits Group and underwritten by Hartford Life Insurance Company. A portion of the monthly membership dues, if applicable, will be used to pay the insurance premium to the plan administrator. As a member, you’ll automatically receive new benefits as they are added to your program. Coverage is divided equally among co-owners of joint accounts. The 24-hour Accidental Death and Dismemberment Insurance benefit reduces by half at age 70.

      Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S.

      1You must access the retailer’s link through the website provided and use the credit or debit card you have registered to be eligible for rewards. Credit will be issued automatically to your registered card within 90 days from date of purchase. Participating merchants may change at any time without notice. Certain restrictions and limitations may apply.

    Click here to begin the process of opening an INB account or contact us at 217-747-5500 for additional information.


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    Copyright © 2010. All Rights Reserved.
    Illinois National Bank, 322 E Capitol Avenue, Springfield, IL 62701.
    217-747-5500 or toll free 877-771-2316.
    Member FDIC. Equal Housing Lender. Equal Opportunity Employer.
    INB is regulated by the Office of the Comptroller of the Currency.
    Disclosures FDIC Equal Housing Lender