Information when you need it
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ABA Routing Number
HEALTH SAVINGS ACCOUNTS (HSA)
- Designation or Change of Beneficiary
- HSA Distribution Form
- Employer Group Set Up
- Request to Transfer HSA
- Rollover Review
Wire Transfer Instructions
Incoming Domestic Wires
|Address:||Inland Bank and Trust, Oak Brook, IL|
|Credit to:||Inland Bank Customer Name and Account Number|
|Cut-Off Time:||5:00 pm CST on bank business days|
Incoming International Wires
|Beneficiary Bank Name:||U.S. Bank|
|Beneficiary Bank City/State:||Chicago, IL|
|Beneficiary Bank SWIFT (BIC) Code:||USBKUS44IMT|
|Beneficiary Bank ABA (if required):||042000013|
|Beneficiary Name:||Inland Bank and Trust|
|Beneficiary Account Number:||182380532024|
|Beneficiary Address:||2805 Butterfield Road, Oak Brook, IL 60523|
|Bank to Bank - "For Further Credit To":||Inland Customer Name and Account Number|
|Cut-Off Time:||5:00 pm CST on bank business days|
Cut-Off Time: 3:00 pm CST on bank business days
Inland Bank and Trust offers a variety of web-based banking services. To ensure that these services are provided in a secure and private manner, Inland uses a full range of Internet Security measures designed to protect our customers and the bank. These security measures include the use of cryptography: secure browsers and servers, routers and firewalls, SSL protocol, digital certificates, passwords and PINs, and cookies. The security measures allow Inland to properly authenticate and identify our customers accessing our Online Banking Services, and to protect your personal information as it travels over the Internet.
All customer information is encrypted and authenticated using Secure Socket Layer (SSL) protocol. SSL allows for information to be sent and received securely over the Internet. When a SSL connection occurs, security features within the browser and the server create a secure connection, in which all information shared is encrypted and de-crypted by only the intended recipients, ensuring that all data and transactions are secure as they are communicated over the Internet.
Firewalls are a combination of hardware and software that measure and limit access to a server or network for security purposes. The firewall is a system between the Internet and a network to provide security from the Internet to the internal network. The firewall keeps track of transaction activity, the time of each transaction, and who performed it.
Each browser accessing Inland's Online Banking Service is given a "cookie". A "cookie" is a piece of information sent by a web server to a web browser. The web browser saves and sends the cookie back to the server each time the browser accesses the site. Cookies allow a web site to identify whether or not a user previously visited the site.
Protecting Our Children
We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.
Passwords and Pins
Passwords, PINs, and other similar information are required by Inland and are used for security reasons. Please memorize your passwords and safeguard them.
Inland Bank and Trust Customer Service at firstname.lastname@example.org with any questions or concerns regarding the security of your information.
Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.
No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.
- Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
- Don't carry your Social Security card with you; leave it in a secure place. Carry only the identification and credit and debit cards that you need.
- Don't put your address, phone number, or driver’s license number on credit card sales receipts.
- Social Security numbers or phone numbers should not be put on your checks.
- Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding, and credit offers you get in the mail.
- Secure your credit card, bank, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your SSN, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Use a password instead.
- Secure personal information in your home, particularly if you have roommates or hire outside help.
- Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold.
- Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
- Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?
Check your credit report
Order a copy of your credit report from each of the three major credit-reporting agencies every year. Make sure it is accurate and includes only those activities you have authorized. By checking your report on a regular basis you can catch mistakes and fraud before they wreak havoc on your personal finances. Don't underestimate the importance of this step. Click here to check your credit with one of the agencies https://www.annualcreditreport.com/index.action.
Contact the FTC
- Website: https://www.usa.gov/identity-theft
- Phone: 1-877-ID-THEFT (438-4338)
- Mailing Address: Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
Phishing is a form of identity theft and usually comes in the form of fraudulent emails that appear to come from legitimate sources. These emails ask customers to verify personal information or link to counterfeit Web sites that appear real.
Watch for emails that:
- Urge you to act quickly because your account may be suspended or closed, or to update your personal information
- Don't address you by name, but use a more generic one like "Dear valued customer"
- Ask for account numbers, passwords, Access IDs, or other personal information
Inland Bank and Trust will NEVER ask for sensitive information, such as account numbers, Access IDs or passwords, via e-mail.
The American Bankers Association offers the following tips for protecting yourself against phishing:
- Don’t give your Social Security number or other personal credit information about yourself to anyone who calls you
- Tear up receipts, bank statements and unused credit card offers before throwing them away
- Keep an eye out for any missing mail
- Don’t mail bills from your own mailbox with the flag up
- Review your monthly accounts regularly for any unauthorized charges
- Order copies of your credit report once a year to ensure accuracy
- Do business with companies you know are reputable, particularly online
- Don’t open email from unknown sources and use virus detection software
- Protect your PINs (don't carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically
- Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately
If you become a victim, contact:
- The fraud departments of the three major credit bureaus
- The creditors of any accounts that have been misused
- Your local police to file a report
- Inland Bank and Trust and any other banks with whom you have accounts, to cancel existing accounts held in your name and re-open new accounts with new passwords.
Business Email Compromise Scam
The banking industry has seen an increase in wire fraud. A new and unique method is on the rise called Business Email Compromise (BEC). For those unfamiliar with BEC, criminals are hacking into email systems of businesses. Once inside email systems, criminals monitor emails to identify internal/external senders and recipients who are necessary for authorizing wire transfers. The criminals then intercept and inject wire transfer email instructions posing as someone authorized to approve payment orders, and there is usually a sense of urgency to make payment on the requested order. They then forward the instructions to a person within the company who initiates business wire requests to the Bank. To business persons initiating wire requests, email instructions from trusted supervisors or external third party partners look and feel like authentic email instructions, which of course they are not, and the wire requests are sent to the Bank. When the Bank receives the business wire transfer request from the customer using the established verification procedures (User ID, Password, Token), the Bank processes the wire as usual.
How to protect your business:
- Follow industry best practices and establish an internal checks-and-balances system to help ensure employees do not respond to fraudulent emails.The following are key industry best practices:
- Perform call-back verifications for any financial transaction requested by email or text message, regardless if from a trusted supervisor or third party business partner
- Require internal dual control approvals for all transactions requiring a wire transfer
- Set reasonable transaction limits for employees
- Install perimeter spam and malicious- filtering on all business computers
- Conduct security awareness training with regularity
- Remind employees to exercise extreme caution when asked to divulge account information or banking credentials
What to do if you detect fraudulent use of your email system:
In the event of a compromise, notify the Bank and law enforcement as soon as the breach is discovered—fast notification is critical!
No organization is immune from either internal or external fraud. It is imperative you take preventative measures utilizing both technology and best practices. Business Email Compromise (BEC) schemes are becoming an increasing threat to companies worldwide.
Additional Information can be found on the FBI’s Public Service Announcement site called IC3. The following link provides specific information from the FBI Public Service Announcement "Business E-mail Compromise: The 3.1 Billion Dollar Scam" and can be found at https://www.ic3.gov/media/2016/160614.aspx
- Equifax: 1-800-525-6285
P.O. Box 740241
Atlanta, GA 30374-0241
- Experian: 1-888-EXPERIAN (397-3742)
P.O. Box 9532
Allen, TX 75013
- TransUnion: 1-800-680-7289
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
Federal Trade Commission
For comprehensive information on general consumer interests, policies, issues and consumer protection
Effective May 11, 2018, all banks are subject to new rules under the Bank Secrecy Act that will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. Each time an account is opened for an existing or new legal entity, we will be required to ask you for identifying information (name, address, date of birth, social security number), as well as identification documentation for:
EACH individual that has 25% or more beneficial ownership in the legal entity; and, A beneficial owner is each individual, who directly or indirectly owns 25% or more of the equity interest of the legal entity
ONE individual that has significant managerial control of the legal entity. A single individual with significant responsibility to control, manage or direct a legal entity, including an executive officer or senior manager (e.g. CEO, CFO, COO, Managing Member, General Partner, President, Vice President or Treasurer); or any other individual who regularly performs similar functions
If you are opening an account on behalf of a legal entity, you will be required to provide appropriate documentation and certify that the information is true and accurate to the best of your knowledge.
If you have any questions please stop by your local branch or contact our Call Center at 1.877.908.6555.
Bank Switch Kit
It’s Easy to Switch to Inland Bank.
Click on the convenient PDF forms below to close your accounts and change your Direct Deposit and Automatic Withdrawals. If you need help completing any of them, stop by the Inland Bank in your area or give us a call.
Bank Switch Kit Forms:
This checklist will help identify who you need to contact:
- Your employer's human resources department
- The company handling your retirement or pension payments
- Social Security Administration - If you receive deposits other than payroll direct deposit, such as retirement or Social Security payments, contact the depositor for instructions on changing these deposits to your new Inland Bank account.
Anyone who makes automatic withdrawals from your account
- Utility companies
- Telephone company
- Cable company