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Perfect for those on the go who appreciate flexibility. The Electronic Checking Account comes with no monthly maintenance fees and no minimum balance required when you conduct all electronic transactions.

Transaction Account without the Paper

The Electronic Checking offers unlimited electronic transactions, including transactions from your debit card, ATM, online bill pay and direct deposit.  Account statements and notices are all delivered electronically through Online Banking. When you skip the paper and the teller line to conduct all your transactions electronically, Electronic checking has no monthly service fee.  The minimum opening deposit is $50.00 and deposits are FDIC insured.


Access 50,000+ Surcharge Free ATMs Worldwide with your INB Debit MasterCard®

Use your Inter National Bank Debit MasterCard® to make purchases anywhere MasterCard® is accepted worldwide.  Your Inter National Bank Debit MasterCard® or ATM card can also be used to access your funds from over 50,000 Allpoint® ATMs in the U.S., plus thousands more worldwide, at no charged (1).  Many Allpoint ATMs are conveniently located in Walgreen's, Target, CVS, and Circle K® stores.


Robust and Secure Online Banking

Inter National Bank’s Online Banking is the easy and secure way to manage your accounts online.  Our powerful Online Banking system not only allows you to see your account balances, but you are also able to see real-time transactions, transfer funds between Inter National Bank accounts, place stop payments and download transactions directly into Quicken®, Mint® and other personal financial management applications. Online Banking is protected by a robust security and multi-factor authentication.


Free Bill Pay and Electronic Billing Notices

Never mail a check again with free online bill pay from Inter National Bank. Payments are made electronically or we will mail a check for you.  Flexible scheduling enables convenient automatic payments.  You also have the option to receive your bills directly into Online Bill Pay.  Review your charges and select an amount to pay.  All bill payments are guaranteed to arrive on time or Inter National Bank will refund any late fees and finance charges.


Mobile Banking

View balance information, review transactions, pay bills and locate INB branches and ATMs straight from your mobile phone.


Paperless Statements REQUEST INFORMATION

No more waiting on the mailman! With INB’s free paperless statements, you can view financial information and notifications electronically the day after your statement or notice is produced.


Account Alerts

Receive email alerts when your balance is low or when transactions post to your account.  It's a quick way to stay on top of your account. Best of all, account alerts are free to setup.


Overdraft Program

Inter National Bank offers two Overdraft Programs that may pay items in the event your account has insufficient funds. Overdraft Protection automatically transfers available funds from another account while Overdraft Privilege may pay items and overdraw your account.

  • If a surcharge screen appears during your transaction on any Inter National Bank or Allpoint ATM, press "yes" to accept the surcharge and proceed with your withdrawal. You will not be charged the surcharge, but if it does, Inter National Bank will refund you the fee. When you conduct a transaction with your INB Debit Card in a currency other than US Dollars, MasterCard® will convert the charge into a US Dollar amount and charge a currency conversion fee. In addition, MasterCard® charges an Issuer Cross-Border Assessment on all cross-border transactions regardless of whether there is a currency conversion. These fees will be displayed on your bank account statement. For more detailed information please contact Customer Service at 956-664-8401.

Monthly Service Fee
$0.00 Must use electronic transactions. Otherwise, a $10.00 fee will apply.
Electronic Checking
Select Checking
Legacy Checking
Prestige Checking
Requirements (1) Must use electronic transactions. Otherwise, a $10.00 fee will apply. (3) N/A Must be 55 or older. N/A
Interest Bearing N/A N/A N/A Yes. Tiered Benefits (2)
Minimum Initial Deposit $50.00 $50.00 $50.00 $50.00
Account Service Charge No fee when account requirements are met. (3) $8.00 No Fee $18.00
Free E-Statement Yes, no check images Yes, includes check images Yes, includes check images Yes, includes check images
Paper Statements N/A $3.00, includes check images $3.00, includes check images $3.00, includes check images
Free INB ATM Transactions (50,000+ Allpoint Network surcharge free ATMs) Yes Yes Yes Yes
Non-INB ATM Withdrawals (4) $3.00 $3.00 $3.00 $3.00
Free First Order of 40 Bank Stock Checks N/A Yes Yes Yes
Unlimited Check Writing N/A Yes Yes Yes
  • Important Account Opening Information: Federal law requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms of identification to fulfill this requirement. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.

  • Receive higher interest rates as account balance increases: Tier 1: $2,000 - $24,999.99 Tier 2: $25,000.00 - $99,999.99 Tier 3: $100,000 + Interest is calculated on the average daily balance

  • A $10 fee will be assessed per statement cycle when one or more paper items are processed.

  • Other fees may be charged by ATM owner