Earn 4% APY* with an InRoads Smart Start Savings account.
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INtroducing: The Side Hustle Business Bundle
Giving entrepreneurs the legit tools, confidence, and financial setup to grow on their terms.
Get it done quickly, securely and save on postage.
A few clicks and your payment is on its way.
One-time and recurring payments.
Due date reminders.
Organizing and tracking recent payments.
No more paper clutter.
Writing and mailing checks is so last century. Bill Pay, available through InRoads Digital Banking, is a safer and easier way to pay your bills. That includes utilities, contractors, and your favorite aunt. It's more efficient, more accurate and you can schedule your payments.
Pay no monthly fees and earn up to 4.00% APY† on your balance.
†Annual Percentage Yield (APY) accurate as of 12/1/25 . Rate tiers are as follows: 4.00% APY applies to balances of $.01-$15,000 and 3.50-0.25% APY applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.01% APY applies to all balances if qualifications are not met. Rates may change after the account is opened. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Fees may reduce earnings. Minimum to open account is $50. Only available on personal accounts.