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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 started in 1985 and is headquartered in Mcallen, Texas. Inter National Bank handles $1 billion in assets as well as $1 billion in deposits, which makes it a medium-size bank. Inter National Bank has above-average customer service access with a live chat feature, great for getting help during the work week. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. On the whole, Inter National Bank is a respectable bank that gets the job done, with a score of 3.9 out of 5 stars from our experts. Inter National Bank offers a complete suite of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Inter National Bank has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, the bank's most basic checking does not have a monthly maintenance charge. Finding a checking account with no monthly fee as well as a savings account with a high interest rate at the same institution is the best bet for returning the most income on your deposits while having convenient access to your funds.

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

Inter National Bank features a savings rate of 0.03%, which is poor in comparison to the national average. Inter National Bank's one-year CD has a rate of 0.15% and the five-year CD has a rate of 0.55%, while its highest-yielding money market account earns at an APY of 0.03%. Given Inter National Bank's below average savings rate, you should think about 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 charges its customers average fees as compared against the national average. Its checking account has no monthly fee, making it excellent for anyone looking for a simple account. For those who often withdraw money from the ATM, it is not ideal because it charges an out-of-network ATM fee of $3.00, which is not the best product compared to the national average. Additionally, Inter National Bank has an overdraft fee of $35.00, which is on par with the average U.S. overdraft fee. Inter National Bank unfortunately does not reimburse out-of-network ATM fees, which means you will have to search for an Inter National Bank ATM or accept the withdrawal 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. With mobile and web apps, Inter National Bank makes mobile banking straightforward, even on the go. Additionally, Inter National Bank customers can access live chat for customer service questions, a helpful way to reach a representative during the work day. Inter National Bank's online and mobile banking services receive fair feedback from users. With 59 customer reviews across both Apple and Android platforms, the Inter National Bank mobile app rates a 3.5 out of 5 (compared to the national average of 3.8). Inter National Bank's mobile app lets you manage your accounts by checking monthly statements, sending and receiving money as well as reaching customer service. Inter National Bank receives a superb consumer satisfaction score based on relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial 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 currently a medium-size bank and manages $1 billion in assets and $1 billion in deposits. Its Texas Ratio is 2.11%, suggesting that the bank is in terrific financial well-being and far from 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 like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Inter National Bank does not have the best savings rate, which means you should think about taking a look 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 in comparison to other U.S. banks.

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Find a Inter National Bank Near Me

Inter National Bank has 20 branches in the U.S.

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