INB Mobile Banking

Inter National Bank

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  • Online Banking

    • What do I do if I don’t know my Online Access ID?

      Answer:

      If you don’t know your Online Banking Access ID, contact our customer service department at (956) 664-8401.

    • What is my online banking Access ID?

      Answer:

      The first time you log on to Online Banking, your Access ID will be your account number. You then have the option to change your access ID from your account number to a personalized, 6-10 character, alphanumeric ID.

    • Why do you ask so many questions when I'm accessing my online banking account?

      Answer:

      We enforce multiple security measures to protect your account from hackers. These security questions serve as an additional layer to keep your information safe.

    • What do I do if I forget or need to reset my password?

      Answer:

      Contact our Customer Care Center at (956) 664-8401 for a password reset or visit one of our banking centers for additional assistance.

    • How far back can I view my account statements?

      Answer:

      If your account is one that includes statements with images, our system will allow you to view up to one year of statements. Select the "Documents & Notices" tab, then select the "Text Image" link. The system will prompt you with up to 12 months of statements.

    • Can I reset my account online?

      Answer:

      Our system does not allow you to reset your password online. If you forget your access ID, please contact us at (956) 664-8401 for further assistance

    • Why does my account get disabled?

      Answer:

      As a security measure, your account might become blocked or disabled after three consecutive login attempts when entering the incorrect password. Your account might also become disabled if you have not accessed it within the last three months.

    • What is another way to identify a fraudulent website?

      Answer:

      Verify the address in the address bar at the top of the web page. When logging in to Inter National Bank's online services, the opening page address will show https://www.tdcecom.com?PBIPBI... in the address bar. This is how you will know that the page you are logging into is Inter National Bank's website and not an imposter's page. If the address in the address bar shows something different, do not enter any information on that page. It is also important to know that Inter National Bank will never solicit personal information from our customers by email. If our institution requires you to update personal information, we will ask you to visit one of our banking centers to update the information in person.

    • Can I use QuickBooks or Quicken with my Online Banking?

      Answer:

      You can export current and previous transactions from your consumer account to Quicken. Business Online Banking customers can export current and previous transactions to QuickBooks.

  • Debit Cards

    • What is a pre-authorization?

      Answer:

      When you use your debit card for a purchase and do not enter a PIN number, the merchant will request an approval, or "pre-authorization," for the transaction. The purchase amount sent by the merchant for pre-authorization varies by merchant type. Each pre-authorization will show as a pending transaction and will be deducted from your account available balance. Once the actual purchase is presented to the bank, which usually takes one to three business days, the pre-authorization will drop and the actual purchase will replace that pre-authorization. If a purchase amount is never sent for a pre-authorization, the amount that was pre-authorized will drop from your account.

    • How can I avoid problems if I plan to travel internationally and use my debit card?

      Answer:

      To prevent any interruptions or inconveniences with your debit card while traveling, please contact our Customer Care Center at (956) 664-8401 and send written notification detailing the card number, state, country, and time frame you plan to use your card in these areas so we can place a notation on your card that will prevent it from being blocked.

    • What do I do if I don’t recognize a purchase in my statement?

      Answer:

      If you don’t recognize a transaction, or think there is a fraudulent charge on your account, please contact our Customer Care Center at (956) 664-8401 immediately or visit a nearby branch to get instructions to process a dispute. This is the best way to minimize your potential losses. You may not be responsible for fraudulent card transactions that are reported promptly.

    • I received a new debit card in the mail, but I did not order it. Why?

      Answer:

      You may have received a new debit card because your current card is coming due and we’re sending you the replacement card. You may also receive a new debit card because your card was listed on a “possible compromised list” and we want to prevent unauthorized transactions from posting to your account. In the event that this is the reason, you will receive a letter by mail explaining the situation.

    • How do I change my PIN on my debit card?

      Answer:

      Contact (800) 992-3808 or stop by any of our banking centers to change your PIN.

    • How do I reorder a new debit card if mine was lost or stolen?

      Answer:

      Please visit any of our branch locations to reorder a new card.

    • What is the fee for ordering a new debit card?

      Answer:

      The fee is $7.00.

  • Mortgage Lending

    • When should I refinance?

      Answer:

      It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any interest rate reduction can trim your monthly mortgage payment. Example: Your payment excluding taxes and insurance would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. INB can help you analyze your options.

    • What is an APR?

      Answer:

      The annual percentage rate (APR) is an interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other credit costs. The APR allows homebuyers to compare different types of mortgages based on the annual cost for each loan. The APR is designed to measure the "true cost of a loan." It creates a level playing field for lenders. It prevents lenders from advertising a low rate and hiding fees. The APR does not affect your monthly payment. Your monthly payment is strictly a function of the interest rate and the term of the loan.

    • What documents do I need to prepare for my loan application?

      Answer:

      Below is a list of documents needed upon submission of your loan request. Having these documents readily available will help expedite your loan request. Please note there may be additional documents requested throughout your loan application process.

      1. Signed income tax returns and W-2’s for the two most recent years.  If self-employed, tax returns must be completed with all schedules.

      2. Most recent pay stubs covering the last two months.

      3. Last two monthly bank statements of all accounts including checking, savings, certificate(s) of deposit, etc.

      4. Copy of driver’s license, state ID or resident alien card & social security card.

      5. Complete copy of the signed contract, building plans and specifications, if applicable.

      6. A non-refundable Credit Report fee will be collected once a credit report is ordered.

    • What is PMI (Private Mortgage Insurance)?

      Answer:

      On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage, lenders require you obtain Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

    • How may I request a payoff statement?

      Answer:

      Please contact our Mortgage Servicing Department Monday through Friday, 9:00am to 5:00pm (CST) at (866) 716-9594 to discuss your payoff statement request. For all other payoff requests, contact your loan officer at (956) 664-8400.

  • Escrow

    • What is an escrow account?

      Answer:

      An escrow account is an account into which monthly escrow payments (taxes and insurance) are deposited to establish a balance sufficient to pay property expenses on behalf of the borrower. The property expenses may include property taxes, homeowner’s insurance, flood and windstorm insurance, and private mortgage insurance (PMI).

    • What is an escrow analysis?

      Answer:

      An escrow analysis is a periodic review of escrow accounts to determine if the current monthly deposits will provide sufficient funds to pay taxes, insurance, and other expenses when due. Escrow analysis is typically run annually on the anniversary date of the loan closing.

    • What is a 1098 interest statement?

      Answer:

      There are various formats for a 1098 interest statement. The form, however, generally details interest and taxes paid on your mortgage for the respective year. The lender is required to provide a customer with a 1098 by January 31st of each year.