Routing Number:
323276346
Digital Banking Login
Turn Your Side Hustle Into a Main Character

INtroducing: The Side Hustle Business Bundle

Giving entrepreneurs the legit tools, confidence, and financial setup to grow on their terms.

Find the Perfect Checking Account for You

Whether you want to earn higher dividends on your balance or cash back with every purchase, InRoads has options that make managing your money easy and rewarding. 

Choose Products
Cash Rewards Checking

High-yield savings combined with a convenient checking account.

Cash Back Checking

Every debit card purchase earns cash back.

INcredible Checking

Worry-free checking without overspending.

Student Cash Back Debit

The perfect account for tweens and teens.

Up to  4.00% APY1 on your balance when qualifications3 are met

4.00%  cash back2 with every purchase when qualifications3 are met

Enjoy no fees for up to $50 in overspending4

4.00%  cash back2 with every purchase when qualifications3 are met

Disclaimers

1Annual 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. 
2 4.00%  cash back bonus applies to the first $200 in purchases (up to $8 max) each month. 
3In order to qualify for rewards, you must meet the following requirements: 1) be enrolled and login to Digital Banking at least once during the Monthly Qualification Cycle; 2) make at least twelve (12) VISA debit card transactions during the Qualification Cycle, through a merchant (PIN or signature-based); 3) receive monthly statement electronically and not in paper format; 4) have a valid email address on file with us; 5) have at least one (1) direct deposit or ACH debit during the monthly Qualification Cycle.
4Available on personal accounts only. No fees for up to $50 in overspending. Any transactions that result in over $50 in overspending will be declined. Must bring account current within 14 days.
5Early availability of direct deposits is not guaranteed and depends on transmission of deposit information by originator. Thus, availability may vary from deposit to deposit.