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CAP is a program that may allow debit card transactions to be approved at our discretion – even if there is not enough money in your qualified consumer account* at that moment.

Card Access Protection enhances your Inland Bank Visa® Debit Card and offers you many advantages:

  • Flexibility – better management of your money if a deposit is delayed or you made an error in your checkbook
  • Emergency Backup – may cover an unexpected expense, like a new furnace or car tow, by allowing you to use your debit card in an emergency – even if you don't have enough money in your account.

If you overdraw your account up to $500, and do not make a deposit or transfer that same day, you will pay an overdraft fee** each time you use your debit card on ATM and everyday debit card transactions without sufficient funds in your account to cover your transaction.

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, activate your Card Access Protection by printing the form from this link. Complete the form and return it to one of our branch locations. Once we have received your notice, we will process and send a confirmation to the address on file.

If you do not enroll in CAP, overdraft fees will not be charged to your account for ATM and everyday debit card transactions, but these types of transactions may be declined if they exceed your account available balance.