Protecting Your Account. Simplifying Access.
You've trusted us with your banking relationship, and we take that responsibility seriously.
Beginning January 1, 2027, INSBANK will discontinue Home Equity Line of Credit (HELOC) checks as part of our ongoing efforts to help protect clients from the rising threat of check fraud.
While checks have traditionally provided a convenient way to access HELOC funds, they have also become one of the most common targets for fraud. This change allows us to reduce unnecessary risk while continuing to provide secure ways to access your available line of credit.
As always, our team is available to answer questions and guide you through the transition.
Why This Change is Being Made
Protecting Against Growing Fraud Risks
Check fraud has increased significantly in recent years, exposing consumers and businesses to stolen, altered, and counterfeit checks. Moving away from HELOC checks is an important step in reducing those risks and helping keep your accounts secure.
More Secure Access to Your Line of Credit
You'll continue to have access to your HELOC funds through secure alternatives. If you're unsure which option is best for you, we're happy to walk through them together and find the solution that fits your needs.
The Same Personal Service You Expect
This change doesn't alter your relationship with INSBANK or your access to your line of credit. What remains unchanged is our commitment to providing responsive, personalized support whenever you need it.
FAQ
Thank you for placing your trust in INSBANK.
Protecting your financial well-being is something we never take for granted, and we're committed to making this transition as simple and straightforward as possible.
We're Here to Help
If you currently use HELOC checks, we encourage you to contact our Client Services team or your banker before January 1, 2027. We'll help you understand your options and make the transition as seamless as possible.
