What is Infinite Banking?

The Infinite Banking Concept® began with the book Becoming Your Own Banker by R. Nelson Nash.

The following excerpt from the book can best answer the question: “What is Infinite Banking?”

“This book is not about investments of any kind. It is about how one finances the things of life. It is not about rates of return. As time goes by, interest rates are up and interest rates are down — but the process of banking goes on no matter what is happening. It is a well-known fact that banks make more money during times of low interest rates than when rates are high.”

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James C. Neathery

“Becoming Your Own Banker – The Infinite Banking Concept has now been in print for twelve years and I have taught its message in hundreds of seminars all over the United States through the sponsorship of financial professionals. As a result of all this activity, I get to meet and work with some truly remarkable individuals who grasp this concept and practice it in their own lives and can be the financial coach that is necessary in helping individuals adopt this life-changing concept.
Among these sponsors there are some super-stars and James Neathery is among the best in this elite group. He has sponsored dozens of seminars and it has been a great pleasure to watch him develop his unique talents. This man is a real student of liberty and can articulate its’ wonders. I encourage all to learn from him,”

R. Nelson Nash, Author,
Becoming Your Own Banker

Meet the Team



Lori B.
Bruce B.

“After I learned James has been doing this the longest and was also very close with R. Nelson Nash, it was a no-brainer. Jake and Emily were very patient with me as we worked through my application. I always have a lot of questions. “


“My wife and I have been clients for a few months and already feel like family to James and his team. They have plenty of resources to help you better wrap your mind around IBC. We trust them.”

Scott S.


For you and the whole Neathery team, thank you! Getting this new policy done has been a pleasure. I love your saying, “It’s all talk until someone writes a check.” This is now my 5th policy and I’m nearly 100% income equal to premiums! Thanks again on behalf of me, my family, and future IBC® practitioners!


“I just wanted to call and thank you for all you do for me and my family. I wouldn’t be where I am today without you guys. Everyone at the office is great!”

Blair C.
Sharon and Ramon D.