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Inter National Bank Review

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Inter National Bank Savings
0.03% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Inter National Bank was founded in 1985 with headquarters in Mcallen, Texas. It manages assets of $1 billion as well as $1 billion in deposits, making it a medium-size bank. Inter National Bank has above-average access to customer service with a live chat feature, which is helpful for those that work during typical customer service hours. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. SmartAsset has rated the bank 3.9 stars out of 5, which means Inter National Bank is a respectable bank that deserves your consideration. Inter National Bank provides customers with the complete selection of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, Inter National Bank's most basic checking does not carry a monthly maintenance charge. Finding a checking account with no monthly fee as well as a savings account with a high APY at the same bank is the best option for accruing the most income from your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.03%, Inter National Bank ranks poorly compared to the average U.S. bank. Inter National Bank's CD rates are 0.15% and 0.55% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at a rate of 0.03%. Given its noncompetitive savings rate, you should consider choosing another bank to earn more on your deposits.

How Inter National Bank's Savings Rates Compare

Inter National Bank Savings 0.03 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Inter National Bank has generally average fees compared to the national average. Its checking account has no monthly fee, which makes it excellent for anyone looking for a hassle-free account. For those who will need cash in a pinch, Inter National Bank is less than the best option because it has an out-of-network ATM fee of $3.00, which is less than great in comparison to the average U.S. bank. Also, it has an overdraft fee of $35.00, which is on par with the average overdraft fee charged by U.S. banks. Inter National Bank unfortunately doesn't refund out-of-network ATM charges, which means you'll need to locate an Inter National Bank ATM or accept the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $3.00 National Average: $1.20
Overdraft Fee $35.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Inter National Bank is a brick-and-mortar bank, with 20 total branches in Texas. It also offers access to mobile and web apps for easy access and banking on the go. Inter National Bank also offers a live chat feature, giving customers an easy access point throughout the day. Inter National Bank gets fair marks from customers for its online presence. The Inter National Bank mobile app rates a 3.5 out of 5 (with 59 reviews on Apple and Android) compared to the national average of 3.8. You can use Inter National Bank's mobile app to control your funds by reviewing current statements, transferring funds as well as accessing customer service. Inter National Bank gets a superb consumer satisfaction rating due to comparatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 3.5/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

SmartAsset Average: 4.8

Inter National Bank is a medium-size bank with assets totaling $1 billion as well as deposits totaling $1 billion. Its Texas Ratio is 2.11%, signifying a minute probability of failure. Additionally, Inter National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Inter National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.03% APY $2500
Checking Account 0.01% APY $2000
Certificates of Deposit
  • 12 Month: 0.15% APY
  • 24 Month: 0.25% APY
  • 36 Month: 0.35% APY
  • 48 Month: 0.45% APY
  • 60 Month: 0.55% APY
$1000 for all terms
Money Market Account 0.03% APY $2500

Inter National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Inter National Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Inter National Bank's CD rates are fair compared to the average U.S. bank.

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Find a Inter National Bank Near Me

Inter National Bank has 20 physical locations across the U.S.

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