This is a straightforward comparison of Infinite Banking vs Private Banking that will help you position Infinite Banking (IBC) against what people think of as "private banking."  Consequently, comparing Infinite Banking vs. Private Banking will help you decide how to restructure your debt to escape the overwhelming, excessive fees and interest rates your bank charges.

Let’s look at them side by side:

Private Banking vs Infinite Banking

Today, we share the top 6 comparisons of Infinite Banking vs Private Banking that our clients ask.

1. Who Controls Your Money

• Private Banking (PB):
  • The bank ultimately controls your deposits and loans.
  • They decide the terms, approval, and interest rates.
  • You’re a client, not the owner of the system.
• Infinite Banking (IBC):
  • You own the policy (Participating Whole Life).
  • You decide when and how to borrow against your cash value.
  • You’re both the banker and the client.

2. Access to Capital

• Private Banking (PB):
  • Access depends on credit score, underwriting, and your relationship with the bank.
  • Approval isn’t guaranteed; paperwork and waiting are common.
• Infinite Banking (IBC):
  • Access is automatic once cash value builds.
  • No credit checks, no approval process, no restrictions on how you use the money.

3. Growth of Money

• Private Banking (PB):
  • Deposits usually sit in low-yield accounts (unless invested separately).
  • If you take a loan, you’re paying interest to the bank, not growing your deposits.

Why Not Take a Loan on Your Own Money and get charged for it?!*# WHY!

• Infinite Banking (IBC):
  • Your cash value grows tax-deferred, guaranteed, and earns dividends (with mutual companies).
  • When you borrow, the cash value continues to compound as if you never touched it (because you’re borrowing against, not from it).

Too Good to be True

My friend John thought Infinite Banking sounded “too good to be true.”
Then he realized… he’s already putting money into a bank every month. The difference?

With Infinite Banking, he’s the bank.
Would you rather be the customer… or the owner?

4. Wealth Threshold

• PB:
  • Usually requires $1M–$ 10 M or more even to qualify.
  • Designed for high-net-worth individuals.
• IBC:
  • Anyone who can consistently fund a policy (even a few hundred per month) can build their own system.
  • Designed to empower middle-class and entrepreneurs, not just the ultra-wealthy.

5. Legacy & Protection

• PB:
  • Provides services and strategies, but no built-in death benefit.
  • Estate planning typically involves lawyers, trusts, and additional products.
• IBC:
  • Life insurance guarantees a tax-free death benefit.
  • Provides liquidity, legacy planning, and family wealth transfer in one product.

6. Philosophy

• PB: “We’ll manage your money for you — trust the bank.”
• IBC: “Be your own banker — create control, liquidity, and legacy inside your own system.”

Quick Analogy

Private Banking = You’re a VIP at someone else’s bank.

Infinite Banking = You own the bank.

Why not turn lemons into lemonade with Infinite Banking?
It is not "Too Good to be True."

Debt Free Living
Because tomorrow matters—for your family, your business, and the legacy you’re building today.