Please read the following disclosures carefully.
To complete an application simply click the "I accept" button at the bottom of this page.
If you would like to apply for a loan, please contact us at 866-866BANK (2265).


OUR PRIVACY POLICY
What do INSBANK and its Subsidiaries: Ambulo, Inc, InsBank Finance, Inc, and Finworth Mortgage LLC, an INSBANK company, do with your personal information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
 
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security Number and income
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons INSBANK and its Subsidiaries: Ambulo, Inc, InsBank Finance, Inc, and Finworth Mortgage LLC, an INSBANK company, chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does InsBank and Subsidiaries share? Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes -
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes -
information about your transactions and experiences
No No
For our affiliates' everyday business purposes -
information about your creditworthiness
No No
For nonaffiliates to market to you No We don't share
Questions: Call (615) 515-2265 or go to www.insbanktn.com
What we do
Who is providing this notice? INSBANK and its Subsidiaries: Ambulo, Inc, InsBank Finance, Inc, and Finworth Mortgage LLC, an INSBANK company
What We Do
How do INSBANK and its Subsidiaries protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How do INSBANK and its Subsidiaries collect my personal information?

We collect your personal information, for example, when you

  • [open an account] or [Use your credit/debit card]
  • [apply for loan] or [provide employment information]
  • [make deposits or withdrawals from your account]
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only:
  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • INSBANK and its Subsidiaries do not share with our affiliates
Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • INSBANK and its Subsidiaries do not share with non affiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • INSBANK and its Subsidiaries don't jointly market.
Other important information
 











NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. For you own safety, be careful. The following suggestions may be helpful:

  1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
  3. Compare your records with the account statements you receive.
  4. Don't lend your ATM card to anyone.
  5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
  6. Protect the secrecy of you Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding you ATM card or PIN over the telephone. Don't write you PIN where it can be discovered. For example, don't keep a note of you PIN in your wallet or purse.
  7. Prevent others from seeing you enter your PIN by using your body to shield their view.
  8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosure you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
  10. Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
  11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might want to consider using another ATM or coming back later.
  12. Don't display your cash; pocket as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home or other secure surrounding.
  13. At a drive-up facility, make user all the car doors are locked and all of the windows rolled up, except the driver's window, Keep the engine running and remain alert to your surroundings.
  14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problems with a facility. For instance let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

FUNDS AVAILABILITY

Please read our Funds Availability before clicking the apply button below.
  
YOUR AVAILABILITY TO WITHDRAW FUNDS

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposit will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before (3:00 p.m. Central Standard Time) on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after (3:00 p.m. Central Standard Time) or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

LONGER DELAYS MAY APPLY

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one-day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the ninth business day after the day of your deposit.


FEE SCHEDULE

Fees Current as of September 1, 2013.
ATM Fee (per item after 5 free transactions)
$1.50
ATM / Debit Card Replacement
$3.00
Collection Item
$15.00
Daily Overdraft Fee
$4.00
Dormant Account Fee (monthly)
$5.00
Garnishments / Levy
$75.00
Money Market Excess Withdrawals
$15.00
Official Checks
$5.00

Overdraft or NSF Item Paid *

*This fee applies to overdrafts created by check, in person withdrawal, ATM withdrawal, or other electronic means.

$28.00 (each item)

Overdraft or NSF Item Returned **

**This fee applies to unpaid checks and items presented by electronic means.

$28.00 (each item)
Photocopies (per page)
$5.00
Research (per hour)
$30.00
Returned Deposited Item
$4.00
Returned Deposited Item - Special Handling
$8.00
Statements Printouts
$5.00
Stop Payment Orders
$25.00
Telephone Funds Transfers
$2.00
Wire Transfers (incoming)
$10.00
Wire Transfers (outgoing)
$15.00
Wire Transfers (international)
$50.00

    
 


TRUTH IN SAVINGS

Truth in Savings Disclosure This disclosure contains information about terms, fees, and Interest rates for accounts we offer.

PERSONAL INTEREST CHECKING ACCOUNT 

Interest rates are tiered to increase your earnings when accounts are consolidated. All collected funds in your account earn at a blended rate based upon the applicable balance tier.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Board. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A service charge of $8.00 per month will be waived if a minimum balance of $1,000.00 is maintained in the Personal Interest Checking Account or if an average balance of $2,000.00 is maintained in the Personal Interest Checking Account or if a minimum $5000.00 is maintained in combined balances in all deposit accounts.

PERSONAL CHECKING

The Personal Checking Account is a non-interest bearing account designed for convenience at a reduced fee.

Limitations: You must deposit $100.00 to open this account.

Account Fees: A monthly service charge of $8.00 may be waived if a $500.00 minimum balance is maintained.

THE PERSONAL MONEY MARKET ACCOUNT

Interest rates are tiered to allow higher rates of return as your balances increase. All collected funds in your account earn at a blended rate based upon the applicable balance tier.

Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Board. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: Additional withdrawals are $10.00 each. Excessive withdrawals may require that the account be closed. The service charge of $10.00 per month may be waived by maintaining a $2,500.00 minimum balance.


Important Information About Your Checking Account
Substitute Checks and Your Rights

What is a substitute check?
To make check processing faster, federal law permits banks to replace original checks with “substitute checks”. These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states; “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substituted checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest of the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at Research Department, P.O. Box 158716 Nashville, TN 37215-8716, (615) 515-2265. You must contact us within 40 calendar days of the date we mailed (or otherwise delivered by a means to which you agreed) he substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include:

  • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
  • An estimate of the amount of your loss;
  • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
  • A copy of the substitute check and the following information to help us identify the substitute check: identifying information for example the check number, the name of the person to whom you wrote the check, and the amount of the check.

Customer Identification Requirements

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all banks to obtain, verify, and record information that identifies each person who opens an account.

What that means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

In all cases, protection of our customer’s identity and confidentiality is the Bank’s pledge to you.


Fair Credit Reporting 

In order to comply with regulations, if applicable, InsBank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.


NOTICE OF CHANGE TO FDIC INSURANCE COVERAGE OF NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html


Must be 18 years of age or older

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