Skip to main content
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Relationship Banking
is at the core of our mission and values. We strive to know our customers at a personal level so we can easily fit the best products and services for your everyday needs.
Checking Accounts

Picking Your Perfect Checking Account

We offer a basic personal checking account that is free of charge, which includes unlimited check writing and no minimum balance required. You can easily get started with a $10 opening deposit!
Unlimited Transactions
Unlimited transactions and check writing
No Hidden Fees
No monthly service maintenance fees, regardless of your balance
Free Checks Offer
We offer for free the first order of 40 checks.
Instant Visa® Debit
Free Visa® debit card at account opening for immediate transactions and purchases
Easy Deposits
Direct and mobile deposits at your fingertips
Learn More Learn More For Free Checking Account
Ideal for those with fewer monthly debits. The Rite Checking account is both affordable and straightforward. Begin with a $100 deposit and avoid service fees by maintaining your minimum balance.
Balance Benefits
No service charge if the required minimum balance is maintained
Easy Start
Get started with only $100 opening deposit for Rite Checking
Instant Visa® Debit
IBC Bank Instant Issue Visa® Debit Card
Learn More Learn More For Rite Checking
The Regular Checking account offers flexibility and easy access to your funds. It's the popular checking account choice with a free Visa® debit card and no monthly fees when a minimum balance is maintained.
Free Visa® Debit
FREE IBC Bank Visa® Debit Card with unlimited transactions
Unlimited Checks
Unlimited check writing
Clear Statements
Free imaged statement
No Hidden Charges
No service charges with a daily balance of $850 or more
Mobile Convenience
Mobile deposits
Fee-Free Transactions
Various transactions with no additional fees
Learn More Learn More For Regular Checking
Earn more with our interest-bearing checking accounts. From IBC Connection to Elite Advantage, enjoy competitive rates on checking transactions and bonus rates on CDs.
High Balance Benefits
Competitive interest rate on accounts with higher balances
No Hidden Fees
No service charge when minimum balance is maintained
Variable Interest Rates
Money market accounts with variable interest rates
Senior Benefits
Added benefits for those 50 years of age and older
Maximized Returns
Maximize return on investment with bonus rates on CDs
Learn More Learn More For Interest Checking

Free Checking Account

Experience the convenience of a personal checking account without any service charges and no minimum balance requirements.

Free IBC Voice

Access your account details, make transactions, and get support anytime with our free IBC Voice service.

Bill Pay

Simplify your payments with our easy-to-use Bill Pay feature. Schedule, track, and manage your bills efficiently.

Instant Debit

Get an Instant-issue Visa® Debit Card with your account, enabling immediate transactions and purchases.

Quick Check Orders

Running low on checks? Easily order checks online in minutes.
Order More Checks Today Order More Checks Today For Quick Check Orders

Why Choose IBC?

The right checking account gives you the freedom and flexibility you need.
  • Free Checking account with no monthly service charge
  • Low minimum opening deposits
  • Easy mobile banking and online transactions
  • Competitive interest-bearing negotiable order of withdrawal (N.O.W.) and money market accounts
  • Dedicated customer support for all your queries

Online Checking Account Services

Mobile Banking App
Manage your finances on-the-go Manage your finances on-the-go about Mobile Banking App
IBC Mobile Banking App
Access your accounts, make transfers, pay bills, and more, all from the convenience of your mobile device.
Apple Play Android Play
IBC Card Control
Total control over your cards Total control over your cards about IBC Card Control
IBC Card Control
Safeguard your cards with real-time alerts and controls. Temporarily lock or unlock your card, set spending limits, and more.
Apple Play Android Play
Mobile Payments
Seamless and secure transactions Seamless and secure transactions about Mobile Payments
IBC Mobile Payments
Experience seamless transactions with IBC Mobile Payments. Pay in-store, online, or in-app with just a tap using your mobile device.
Apple Play Android Play
How-to Videos
Step-by-step banking guides Step-by-step banking guides about How-to Videos
How-to Videos
Navigate your banking needs effortlessly with our step-by-step video guides. From account setup to advanced features, we've got you covered.
Learn More Learn More of How-to Videos
Apple Play Android Play

Personal Checking Account Options

Personal IBC Connection Account

Interest-bearing accounts that leverage combined balances, offering bonus rates on CDs and premium features.
Learn More Learn More for Personal IBC Connection Account

Personal Check ‘N Save (N.O.W.)

A competitive interest-bearing account.
Learn More Learn More for Personal Check ‘N Save (N.O.W.)

Personal IBC Elite Checking (N.O.W.)

An interest-bearing account with premium benefits for those aged 50 and above.
Learn More Learn More for Personal IBC Elite Checking (N.O.W.)

Check ‘N Save Plus (Money Market)

A money market account that offers competitive interest rates and easy access to your funds.
Learn More Learn More for Check ‘N Save Plus (Money Market)

Personal IBC Elite Advantage

A premium checking account designed to offer our esteemed customers the best interest rates and benefits.
Learn More Learn More for Personal IBC Elite Advantage