Information when you need it

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Federal Reserve Holidays

All Inland Bank locations will be closed on the observed holidays below.

Holiday 2022 2023 2024 2025
New Year's Day January 1* January 1** January 1 January 1
Martin Luther King Jr. Day January 17 January 16 January 15 January 20
Washington's Birthday (Presidents Day) February 21 February 20 February 19 February 17
Memorial Day May 30 May 29 May 27 May 26
Juneteenth National Independence Day June 19** June 19 June 19 June 19
Independence Day July 4 July 4 July 4 July 4
Labor Day September 5 September 4 September 2 September 1
Columbus Day October 10 October 9 October 14 October 13
Veterans Day November 11 November 11* November 11 November 11
Thanksgiving Day November 24 November 23 November 28 November 27
Christmas Day December 25** December 25 December 25 December 25

*For holidays falling on Saturday, Federal Reserve Banks and Branches will be open the preceding Friday.

**For holidays falling on Sunday, Federal Reserve Banks and Branches will be closed the following Monday — July 5, 2021, June 20, 2022, December 26, 2022, and January 2, 2023.

FDIC - COVID-19 And Your Financial Health

Keep Yourself and Your Money Safe

The Federal Deposit Insurance Corporation (FDIC) is working with federal and state banking agencies and financial institutions to assist customers affected by the coronavirus disease 2019 (COVID-19) global pandemic. The following information is more important than ever during these challenging times.

Social Distancing & Mobile Banking Technology

Advances in mobile banking technology enable you to exercise social distancing (To Beat COVID-19, Social Distancing is a Must) and conduct banking transactions at the same time. Banking technology and services provide the convenience of conducting banking transactions with your computer, smartphone, or mobile computer device. If you aren’t using these services, ask your bank if the following are available to you and how you can activate them.

Money Transfer Services:

Person-to-person payment services and mobile payment apps have become part of everyday life for many people. Payment services and apps let you send money to people without having to write a check, swipe a card, or hand them cash.

Online Bill Pay Services:

These programs generally allow you to sign up on your bank’s website to receive bills electronically from companies you do business with. Then you can review the bill and pay it online.

Depositing Checks Using Remote Deposit Capture:

Many banks allow customers to use Remote Deposit Capture (RDC), which allows customers to take a picture of a check with their mobile device and deposit that check electronically without ever visiting a branch or using an ATM.

You can find additional tips on mobile banking technology by visiting: Banking at the Speed of Technology.

Safest Place to Keep Your Money

Some banks may have adjusted hours or services to observe Centers for Disease Control (CDC) guidance on social distancing, but that doesn’t change the fact that an FDIC-insured account remains the safest place for you to keep your money. FDIC’s Electronic Deposit Insurance Estimator (EDIE) can help you determine deposit insurance coverage based on accounts you already have with a bank or accounts you are considering opening. Find additional help using the EDIE Calculator at FDIC deposit insurance coverage.

As a reminder, keeping large sums of cash in your home is not advisable because it puts these funds at risk of theft, fire, flood, loss, or damage. Also, because of the physical interaction and exchange of currency, paper money has the potential of harboring germs and bacteria, another drawback of storing large sums of cash in your home (see New coronavirus stable for hours on surfaces).

Financial Difficulty Resulting from the Pandemic

Areas across the United States are undergoing temporary closure of schools, businesses, and events in an effort to reduce the potential exposure to COVID-19. Albeit necessary to contain the spread of this pandemic, many may experience loss of income because of illness or impacts to their workplace. The FDIC is encouraging banks to work with their customers experiencing the impact of COVID-19 by, for example, allowing them to skip loan payments with no adverse consequences, extending loan terms, and restructuring loans. Contact your bank to discuss your options before skipping any payments or taking any other action contrary to the terms of your loan.

  • If you do not think you can pay your loan payments on time, immediately contact your bank. Paying your debts late or not at all can result in penalties, interest charges, and damage to your credit score. Your bank is likely able to work with you on a solution, but it is important to contact them as soon as possible and explain your situation.

  • If you have additional concerns or a complaint with your bank, be proactive. First, contact the bank directly. If that is not effective, you may contact the appropriate federal or state regulatory agency for help or guidance, including the FDIC at FDIC Information and Support Center.

COVID-19 Related Scams

Unfortunately, some people may take advantage of COVID-19 by using fraudulent websites, phone calls, emails, and text messages. While claiming to offer “help,” they may be trying to trick people into providing social security numbers, bank account numbers, and other valuable personal information. Do not divulge your bank or credit card numbers or any other personal information over the phone unless you initiated the conversation with the other party and you know that it is a reputable organization.

In addition, you should be cautious about online solicitations. Be on guard against imposters who contact you claiming to be government employees or volunteers and who ask for personal financial information or money. Learn more about how to protect yourself from these scams in the March 2020 edition of Consumer News.

Reject offers to cash a check for someone in exchange for a fee, even if the bank makes the funds available to you right away, as it may later turn out that the check was fraudulent. Read more about fake checks in the August 2019 edition of Consumer News. The Federal Trade Commission (FTC) has additional information at Avoid Coronavirus Scams.

Additional Resources:

For more help or information, go to or call the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342). Please send your story ideas or comments to

FDIC - Coronavirus Bank Customer FAQ

Frequently Asked Questions for Bank Customers Affected by Coronavirus Disease 2019 (Referred to as COVID-19)

  1. If my bank has temporarily reduced branch access or is not open, is my money still insured?

    A. In difficult circumstances, some banks may need to temporarily limit operations to protect the health of their employees and customers. This may include closing a lobby, converting to drive- thru only services, or encouraging customers to use ATMs or digital channels to access their services.

    Regardless of the bank’s operating conditions, your money is insured by the FDIC. Deposits with an FDIC-insured bank or savings institution will continue to be protected up to at least $250,000.

    Please see additional information regarding deposit insurance.

  2. Will there be enough cash during a pandemic or other national disaster?

    A. The Federal Reserve System has and will continue to meet the currency needs of banking customers. Be assured that sufficient resources are available to handle customer needs.

    Keep in mind, the safest place for your money is inside a bank. Banks will continue to ensure that their customers have access to funds either directly or electronically, and inside an FDIC- insured bank, your funds are protected by the FDIC.

  3. Is there anyone I can speak with if I have detailed questions about my FDIC deposit insurance coverage?

    A. Yes. The FDIC has a team of subject matter experts available to answer your questions. Please call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter Expert between 8:30AM- 5:00PM Monday-Friday.

    If you prefer, you can also contact the FDIC in writing through our FDIC Deposit Insurance Form via the FDIC Information and Support Center at:

  4. I have deposits at a bank that I think may exceed the FDIC’s deposit insurance limits. What should I do?

    A. At, the FDIC has a number of deposit insurance resources to help you determine your deposit insurance coverage. A key tool for determining deposit insurance coverage is the Electronic Deposit Insurance Estimator (EDIE), which is available at In addition, the FDIC website has a wide range of other links that can help you determine your deposit insurance coverage.

    The FDIC also has a team of subject matter experts available to answer your questions. Please call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter Expert

    between 8:30AM- 5:00PM Monday-Friday.

    If you prefer, you can also contact the FDIC in writing through our FDIC Deposit Insurance Form via the FDIC Information and Support Center at:

  5. Who can I contact for information about banking services?

    A. Customers with questions can contact the FDIC toll-free at 1-877-ASK-FDIC or 1-877-275- 3342 or TDD 800-925-4618 for information about accessing banking services or how to reach their bank. This hotline operates from 8:00 a.m. to 8:00 p.m. Eastern Time Monday through Friday and 9:00 a.m. to 5:00 p.m. on Saturday and Sunday. Please note the FDIC does not have access to your specific bank account information. For immediate assistance, you should contact your bank directly. Additional information can be found online at 19/index.html.

  6. I’ve relocated due to COVID-19, will local banks cash my checks if I’m not a customer of that bank?

    A. The FDIC is encouraging banks to consider easing restrictions on cashing out-of-state and non-customer checks. Ask the new bank you are dealing with to call your bank to determine your account balance and to consider allowing you to complete your transactions with them, as a non-customer of that institution. However, you may want to consider opening a new banking account in the area in which you have relocated. Opening a deposit account at a financial institution does not affect a consumer’s credit report.

  7. I’m concerned about ATM fees increasing as I don’t have access to my bank’s ATM network but need cash due to COVID-19 related issues. Who do I contact regarding this concern?

    A. Please contact your bank and explain your situation. The FDIC is encouraging depository institutions to consider waiving these fees for customers and non-customers impacted by the COVID-19.

  8. I need to withdraw money from my certificate of deposit to help pay for unexpected expenses as a result of COVID-19. Will my bank let me withdraw my money without penalty?

    A. The FDIC is encouraging banks to consider waiving certain fees to assist customers affected by COVID-19 related developments due to temporary business closures, slowdowns, or sickness. These fees include early withdrawal penalties on time deposits and overdraft fees on checking accounts. You should contact your bank directly to confirm their current policy regarding fees on early withdrawals in connection with any planned withdrawal of funds from a time deposit account.

  9. Our community is being encouraged to use social distancing to help stop the spread of COVID-19. My bank is restricting lobby access to branching facilities and I need to go to my bank to get cash and conduct transactions. What should I do?

    A. Contact your bank’s customer support line to ask for assistance in meeting your banking needs. Banks may be offering expanded services through the use of drive-up teller windows, or providing assistance at ATMs located outside of the branch office. Bank employees may also help you set up or use online banking, or the bank’s mobile app and digital channels, to complete transactions such as depositing a check to your bank account or paying bills. In addition, you may want to consider signing up for direct deposit so that a paycheck or public benefits payment goes directly into your account at the financial institution.

  10. I can't reach my bank by phone or internet. What should I do?

    A. Some bank branches heavily impacted by COVID-19 may have limited personnel in place to respond to calls and some may need to temporarily close to protect their employees. You can use the FDIC'sBankFind to obtain a bank’s contact information, and you can contact the FDIC if you have questions at 1-877-ASK-FDIC (1-877-275-3342).

  11. I would like to send money to a relative or friend affected by COVID-19. How do I wire money to or from an institution?

    A. Here are some steps for wiring money to or from an institution:

    • Find a bank’s telephone number, email address, and physical address on the FDIC's BankFind.

    • Contact the institution to which you want to send or retrieve money and determine if the bank can accept or send wire transfers.

    • Provide the following information:

      • Either your account number or the account number of the individual who will receive the money (in the middle of the check or deposit slip) and the bank routing number (in the lower left hand corner of your check or deposit slip). If you cannot find a bank's routing number, it may be listed on the bank's web page.

      • The address of the bank to which you are wiring money.

    • If you are transferring the funds over the internet, ask the institution to fax or email you a confirmation so you know the person receives the money.

    You should understand the identification verification process at the receiving institution. Some institutions will accept incoming wires for non-customers but will require proof of your identity before they release the funds. Ensure you have the identification required or explain up front what you have and ask the bank if that is acceptable. Also, determine up front whether there are any fees associated with wiring funds.

  12. How can I protect against fraud or scams?

    A. Protect your personal and financial information. Understand that some people may take advantage of COVID-19 by using fraudulent websites, phone calls, emails, and text messages claiming to offer “help” but may be trying to trick people into providing Social Security numbers, bank account numbers, and other valuable details. Do not divulge your bank or credit card numbers or other personal information over the phone unless you initiated the conversation with the other party and you know that it is a reputable organization. In addition, you should be

    cautious about online solicitations. Be on guard against imposters who contact you claiming to be government employees or volunteers and who ask for personal financial information or money. Reject offers to cash a check for someone in exchange for a fee, even if the bank makes the funds available to you right away, as it may later turn out that the check was fraudulent.

  13. I didn’t receive my direct deposit. What should I do?

    A. Contact your employer to ensure that payroll operations are functioning as normal and to verify that funds were sent to the correct account, and when they are scheduled to be deposited into your account.

    Credit Topics

  14. I am no longer working due to COVID-19 and don't have the income to live on and meet my payments. If I miss some loan payments, how will this affect my credit? Will I be charged late fees?

    A. The FDIC is encouraging banks to be understanding during this time and work with customers seriously affected by COVID-19 related developments, including temporary business closures, slowdowns, or sickness. In certain situations, the FDIC is encouraging banks to allow customers to skip loan payments with no adverse consequences for the borrower, extend loan terms, and restructure loans. However, before skipping payments or otherwise operating in a manner that differs from the terms of a loan, contact your bank to determine its flexibility during this time.

    • Immediately contact your creditors if you do not think you can pay your bills or make credit card or loan payments on time. Paying your debts late or not at all can result in penalties, interest charges, and damage to your credit score. Your creditors should be able to work with you on a solution, but it is important to contact them as soon as possible and explain your situation.

    • If you have additional concerns or a complaint with a business such as a financial institution or an insurance company, be proactive. First, contact the firm directly. If that does not produce the desired results, you may contact the appropriate federal or state regulatory agency for help or guidance.

  15. I am using my credit card to fund unexpected living expenses. What if I go over my credit limit?

    A. The FDIC has encouraged banks to consider increasing credit card limits for creditworthy borrowers. The FDIC is also encouraging banks to consider waiving late payment fees on credit cards and other loans. Contact your bank to see whether and how they can help you meet your financial needs.

    Identity Theft / Verification

  16. What steps can I take to prevent identity theft and what can I do if someone steals my identity?

    A. If you feel ID theft is a concern, or have reason to believe you may be a victim of ID theft, you may place a "fraud alert" on your credit file, by contacting the fraud department at one of the three major credit bureaus for which contact information appears below:

    • Equifax: 1-800-525-6285;;

      P.O. Box 740241, Atlanta, GA 30374- 0241

    • Experian: 1-888-EXPERIAN or 1-888-397-3742;;

      P.O. Box 9554, Allen, TX 75013

    • TransUnion: 1-888-909-8872;;

    Fraud Victim Assistance Department, P.O. Box 2000, Chester, PA 19016

    You only need to notify one credit bureau. The one that processes your fraud alert will notify the other two. Those two then must place fraud alerts in your file.

    Placing a “fraud alert” on your credit file can help prevent a thief from opening new accounts or making changes to your existing accounts. Be aware, however, that placing an alert on your credit file also may prevent you from opening an account unless the bank can contact you and positively confirm your identity and that you are applying for credit.

    In addition, people who think their personal information has been misused should contact the local police. They also can contact and file a complaint with the Federal Trade Commission by phone at 877-IDTHEFT or 1-877-438-4338 or TDD 1-866-653-4261 or on the Internet at

    As always, protect your Social Security number, bank account and credit card numbers, and other personal information, especially in response to unsolicited requests from strangers.

    Fraudsters may try to trick you into divulging personal information, or they may steal sensitive mail or documents from homes and offices.

  17. I do not have access to my personal IDs or financial records due to an unexpected quarantine caused by COVID-19. How do I rebuild my financial records?

    A. These tips will help you begin to re-establish your financial records. You should call the bank office first if you are trying to conduct business in person to make sure they have not temporarily closed or restricted lobby access due to COVID-19.

  18. There are unauthorized charges on my credit card. What should I do?

    A. You should contact the bank at the address your credit card specifies (or through an alternative mechanism provided by the bank) and provide information regarding the disputed transactions no later than 60 days after the bank sent the first statement containing the disputed charges. The bank has 90 days to investigate and resolve the dispute. For more information about credit card dispute resolution procedures, see:

    FDIC Operations

  19. How do I file a complaint against a bank?

    A. As part of our supervisory responsibility, the FDIC provides support to the public by

    responding to complaints and inquiries involving financial institutions and deposit insurance coverage. The FDIC Information and Support Center allows users to submit a request or complaint, check on the status of a complaint or inquiry, and securely exchange documents with the FDIC. If the bank involved is an FDIC-regulated bank, the FDIC will initiate an investigation into the matter. Complaints or inquiries involving banks that are not primarily regulated by the FDIC will be referred to the appropriate federal banking regulator for handling. To find a bank’s primary federal regulator, you may search the FDIC's BankFind.

    In order for the FDIC to investigate your concerns, you must submit specific details regarding the incident in writing. You can submit your complaint or inquiry online at the FDIC Information and Support Center at Alternatively, you can submit a complaint or inquiry by fax to the Consumer Response Center at 703-812-1020.

  20. I mailed a complaint to the FDIC last week. Did you receive it and what is the status?

A. As of March 16, 2020, FDIC employees have been mandated to work from home to limit exposure from COVID-19. There may be some delays in processing physical mail. To avoid delays, and if possible, it is recommended that complaints and inquiries be submitted to the FDIC Consumer Response Center by visiting the FDIC Information and Support Center at From there, consumers may submit an inquiry or complaint, check on the status of a submission, and view the FDIC’s response. Please be aware you will need to create a user account in order to track the status of a complaint or inquiry and to securely view certain documents the FDIC obtained from a bank, which may contain personally identifiable information.

Statement by FDIC Chairman Jelena McWilliams before the Financial Stability Oversight Council

Statement by FDIC Chairman Jelena McWilliams before the Financial Stability Oversight Council

March 26, 2020

Over the past several weeks, the rapid spread of the novel coronavirus (COVID-19) has disrupted our economy and increased volatility in global financial markets.

I want to underscore that our banks are safe.  Your FDIC-insured deposits are safe. 

This crisis did not originate in banks.  It is an economic shock brought on by a pandemic unprecedented in modern times.  Banks are well positioned to deliver much needed capital and liquidity to communities across the United States.

The FDIC is working closely with the other financial regulators to provide necessary flexibility to both banks and their customers in these challenging times.  The brunt of this economic impact is going to fall hardest and fastest on consumers, small businesses, independent contractors, low-income borrowers, and hourly workers.  We have taken several regulatory actions1 to provide banks with more flexibility to deploy capital to the broader economy.  We have encouraged banks to take prudent steps to work with all borrowers struggling in this economic environment.  The agency will continue to closely monitor the economic health and well-being of financial markets, the banking industry, and consumers.

The 6,000 employees of the FDIC continue to fulfill the agency's critical mission.  Our employees work and live in the communities that will bear the brunt of the economic burden brought on by the pandemic.  We are your friends and neighbors.  We will work tirelessly to maintain stability and public confidence in the financial system.  We have done it before, and we will do it again.

Lastly, I would like to warn the public about misinformation being propagated regarding the safety of bank deposits and the ability of consumers to access cash.  Unfortunately, there are people who are trying to capitalize on public fear and uncertainty for personal benefit.  Consumers should have heightened awareness of imposters pretending to be FDIC representatives, or anyone offering unsolicited financial advice.  The FDIC does not ever ask for money or personal information, or recommend that consumers move their money out of a bank account. 

The FDIC was born out of a crisis, and it has witnessed many crises. We will get through this one together. Since 1933, no depositor has lost a penny of insured deposits in an FDIC bank, and that will not change. Thank you.

FDIC: Insured Bank Deposits are Safe; Beware of Potential Scams Using the Agency's Name


In light of recent developments related to the coronavirus, the Federal Deposit Insurance Corporation (FDIC) is reminding Americans that FDIC-insured banks remain the safest place to keep their money. The FDIC is also warning consumers of recent scams where imposters are pretending to be agency representatives to perpetrate fraudulent schemes.

Since 1933, no depositor has ever lost a penny of FDIC-insured funds.Today, the FDIC insures up to $250,000 per depositor per FDIC-insured bank. An FDIC-insured account is the safest place for consumers to keep their money. Learn more about deposit insurancehere. Some banks may have adjusted hours or services in compliance with Centers for Disease Control guidance on social distancing. Customers’ deposits remain safe in these banks, as does customer access to their funds. Banks continue to offer ATM, mobile, or online banking services, and many continue to provide services via drive-through windows.

FDIC's Electronic Deposit Insurance Estimator (EDIE)is a tool that can help consumers determine deposit insurance coverage based on accounts they may already have with a bank or accounts they are considering opening. The agency recommends using EDIE for questions aboutFDIC deposit insurance coverage.

During these unprecedented times consumers may receive false information regarding the security of their deposits or their ability to access cash. The FDICdoes notsend unsolicited correspondence asking for money or sensitive personal information. The agency will never contact people asking for personal details, such as bank account information, credit and debit card numbers, Social Security numbers, or passwords.

Consumers may also be contacted by persons who claim to be employed by an agency, bank, or another entity. These scams may involve a variety of communication channels, including emails, phone calls, letters, text messages, faxes, and social media. Scammers might also ask for personal information such as bank account numbers, Social Security numbers, dates of birth, and other details that can be used to commit fraud or sell a person's identity. Consumers should not provide this information.

Additional resources for consumers include:

Consumers are also encouraged to contact the FDIC's Call Center at 1-877-ASK-FDIC (1-877-275-3342), Monday – Friday, 8 a.m. to 8 p.m. (ET), if they have any questions or believe they have been a victim of fraud or a scam.

ABA Routing Number



Fee Schedules

Wire Transfer Instructions

Incoming Domestic Wires

Address: Inland Bank and Trust, Oak Brook, IL
ABA: 071925596
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

Outgoing Wires

Contact your local branch

Cut-Off Time: 3:00 pm CST on bank business days

Internet Security

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 with any questions or concerns regarding the security of your information.

Identity Theft

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.

Helpful Tips:

  • 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

Contact the FTC

  • Website:
  • 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.

Inland Bank and Trust is committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information, please view our Privacy Policy by clicking on the link at the bottom of our website.

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

Financial Websites

Credit Bureaus

  • 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

Beneficial Ownership

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.

Overview & FAQs

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:

Direct Deposit

  • 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
  • Other


The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued. Evaluations available under the federal Community Reinvestment Act (CRA) (12 U.S.C. 2901 et seq.) are not affected by the Illinois Community Reinvestment Act. Please see the federal CRA notice posted at each of our offices..

security and fraud prevention tips

By accessing the noted link, you will be leaving Inland Bank's website and entering a website hosted by another party. Inland Bank does not operate this alternate site, nor is Inland Bank responsible for the content of the site you are about to enter. We encourage you to read and evaluate the privacy and security policies of the site you are entering, as they may differ from those practiced by Inland Bank.