FAQs
About IBC Bank
- What is IBC Bank?
IBC Bank and Commerce Bank are divisions of International Bancshares Corporation (NASDAQ: IBOC), a $16 billion multi-bank financial holding company headquartered in Laredo, Texas, with 167 facilities and 257 ATMs serving 75 communities in Texas and Oklahoma. IBC Bank's slogan "We Do More" reflects the bank's dedication to the growth and success of the customers and the communities it has been serving since 1966. IBC Bank offers foreign exchange services including pesos and euros, as well as Insurance coverage and Mortgage loans.
MEMBER FDIC / INTERNATIONAL BANCSHARES CORPORATION. Equal Housing Lender. Follow our Facebook and Instagram page, @IBCBankWeDoMore. Visit the IBC website for more information.
- What is IBC Bank? IBC Bank and Commerce Bank are divisions of International Bancshares Corporation (NASDAQ: IBOC), a $16.1 billion multi-bank financial holding company headquartered in Laredo, Texas, with 167 facilities and 261 ATMs serving 75 communities in Texas and Oklahoma. IBC Bank's slogan "We Do More" reflects the bank's dedication to the growth and success of the customers and the communities it has been serving since 1966. IBC Bank offers foreign exchange services including pesos and euros, as well as Insurance coverage and Mortgage loans. MEMBER FDIC / INTERNATIONAL BANCSHARES CORPORATION. Equal Housing Lender. Follow our Facebook and Instagram page, @IBCBankWeDoMore. Visit the IBC website for more information.
- Who is the CEO of IBC Bank? Dennis E. Nixon is the CEO and Chairman of International Bancshares Corporation.
- What cities does IBC Bank operate in? We have over 180 bank branches and over 280 ATMs in about 88 Texas and Oklahoma cities, including Laredo, Houston, San Antonio, Corpus Christi, McAllen, Oklahoma City, Tulsa, Lawton, Austin, Port Lavaca, Eagle Pass, Brownsville, Zapata, and Dallas.
- What products does IBC Bank offer? Products and services include:Checking AccountsSavings AccountsCertificates of DepositMortgage LoansPersonal LoansCommercial LoansATM ServicesIBC Bank Online with Bill Pay24-Hour Banking by Phone on IBC Voice7-Day BankingExtended Banking HoursInvestments**Insurance Policies***Trusts and Estate PlanningLetters of CreditForeign ExchangeWire TransfersInternational Trade ServicesPersonal Private BankingTrusts and Estate PlanningLetters of CreditForeign ExchangeWire TransfersInternational Trade ServicesPersonal Private Banking**Not FDIC insured. May lose value. No bank guarantee.***Products distributed by IBC Insurance Agency, Inc., a wholly owned subsidiary
About Commerce Bank
- What is Commerce Bank? Commerce Bank is a full service bank within the International Bancshares Corporation that services its customers' banking needs.
- What products does Commerce Bank offer? Products and services include:Checking AccountsSavings AccountsCertificates of DepositMortgage LoansPersonal LoansCommercial LoansATM ServicesIBC Bank Online with Bill Pay24-Hour Banking by Phone on IBC Voice7-Day BankingExtended Banking HoursInvestments**Insurance Policies***Trusts and Estate PlanningLetters of CreditForeign ExchangeWire TransfersInternational Trade ServicesPersonal Private BankingTrusts and Estate PlanningLetters of CreditForeign ExchangeWire TransfersInternational Trade ServicesPersonal Private Banking**Not FDIC insured. May lose value. No bank guarantee.***Products distributed by IBC Insurance Agency, Inc., a wholly owned subsidiary
- What cities does Commerce Bank operate in? Commerce Bank has four operating branches in Laredo, Texas.
ATM/Branch Locator
- Does IBC Bank have an ATM/Branch Locator? Yes! To find your nearest IBC Bank branch location, please go to https://www.ibc.com/atm-branch-locator. You can also find an IBC Bank branch location within Online Banking.
Online Banking
- I am enrolled as an Online Banking user, how do I log in for the first time?
On the ibc.com website home page, click on Secure Sign In (located in the top left corner of the page) and enter your User ID and select sign in. Select "I am a new user". Enter your User ID and click submit. Select your secure access code preferred contact method. A secure access code will be delivered to you. Enter the secure access code you received in the secure access code field. Establish your new password. Verify/update your Online Banking Profile and submit. Read the Online Banking Agreement and click "I accept".
- Where can I find a list of all text commands? You can use any of the following commands with Text Banking: Text LIST to 226563 to receive a list of all text banking commands Text BAL to 226563 to receive account balance Text XFER to 226563 to transfer amount from account 1 to account 2 Text HIST to 226563 to receive account history (by account nickname) Text HELP to 226563 for information about text banking and contact information Text STOP to 226563 to Stop all text messages to the mobile device
- How do I enroll in Online Banking? On the ibc.com website home page, click "Sign-Up". Enter your account number and account type. You will be asked to enter several verification tokens to help us better verify your identity in the future. Once you have done so, click continue. Upon validation of your information, you will be asked to obtain a Secure Access Code. Your profile information will be displayed for review. Next, the Terms and Conditions will be displayed for your acceptance.
- Do I need to register my computer? No. However, if you choose not to register your computer, you will be asked to go through the security authentication process to obtain a Secure Access Code upon each log in. You should not register a public computer or a computer that others might use outside of your control.
- How do I change my Online Banking Password? To change your Online Banking password, first log in to your Online Banking account. Under Settings, click on Security Preferences. You will be asked to change your password: first enter your old password and then your new one. Then, enter your new password once more to confirm. Click change password.
- How do I enroll in Text Banking? First, log in to your Online Banking account. Click on Settings in your menu bar, then click on "Text Enrollment". Verify the mobile number is accurate. Review the Terms and Conditions and Privacy Policy. Then you will have to activate the enable and authorize on the mobile device button. Once you complete these steps, you will receive a notification of your success.
- What should I do if I get a new phone number? First, log in to your Online Banking account. Click on Settings in your menu bar, then click on "Profile". You can update your Primary and Secondary phone numbers here. To update your phone number for Text Banking, select Text Enrollment and enter your new cell phone number in the SMS Text Number field. Check the box to Agree to Terms and Conditions, then click Save. To receive your Secure Access code to your new cell phone number, click on Security Preferences. Select Secure Delivery and you will be able to add/remove phone numbers.
- Does Text Banking work with any service plan? Text Banking will work with any phone that accepts SMS text & short code messages. Data and message rates may apply.
- Can I transfer funds to other financial institutions that I have accounts with? Yes, as long as the other account is under your name. In My IBC Bank Online, you would have to do this through Bill Payments and Transfers.
- Is Bill Pay a free service? The service itself is free; however, some expedited transactions do have minimal fees. The fee will be clearly listed on the screen. Only some payees offer the expedited services.
- How do I enroll in Bill Pay? Select transactions from your online banking menu bar, select Bill Payment & Transfers, and then select the accounts you would like to enroll into bill pay.
Mobile Banking
- What can I do with the IBC Bank app? Available to all IBC online banking customers, the app allows you to check balances, pay bills, make transfers, make deposits and find locations.
- How do I know if the picture of my check is sufficient? The app will review your submission. If the picture is not clear you will receive an error message informing you to retake the image. At that time you will need to recapture the images.
- Can I deposit a check to my account with my mobile device? Yes. You will need to download the IBC Bank app and follow the instructions provided for mobile deposit.
- What should I do with my check after it has been deposited using Deposit Checks? The app will inform you once the check or checks that you are depositing have been submitted. This does not mean that your deposit is complete. You should hold onto your deposited check until you see it posted on your account by checking online banking or on your bank statement. Checks may be rejected based on limits, quality of the image or other reasons found necessary by IBC Bank.
- Is there a fee to deposit checks? Depositing checks is free using our app!
- Is a photo of both the front and back of the check required? Yes. The app will prompt you to take a photo of both the front and back of the check.
- When will my funds be available when depositing a check using Mobile Deposit? Your deposit may not be available immediately. For accounts opened less than 30 days, the funds will be available on the 11th business day after the day of deposit. For accounts opened greater than 30 days, the funds may not be available until the 4th business day after the day of deposit. If a hold is placed on your mobile deposit, you will receive an email with the specific availabiltiy of your deposit.
- Do I need to enroll in IBC Bank Online in order to use Mobile Banking? No. You may enroll directly to Mobile Banking.
- How do I download the IBC Bank app? You can download the IBC Mobile Banking app by visiting the Apple App Store or Google Play and searching for IBC Bank. Data rates may apply.
Careers
- Can I still apply to IBC Bank if I don't have a finance background/degree? Yes. IBC Bank offers a variety of positions in different business areas. Please visit our careers page and explore our current openings at https://www.ibc.com/careers.
- Are there full-time and part-time positions available at IBC Bank? Yes, IBC Bank offers both full-time and part-time posititions .Please visit our careers page and explore our current openings at https://www.ibc.com/careers
Privacy & Security
- What does IBC Bank do to keep my account(s) secure? "We want to ensure you feel safe having an account with IBC Bank! IBC Online Banking security measures are thorough and effective:Encryption technology scrambles information as it travels over the InternetFirewalls only allow messages from authorized sources into the system and keep unauthorized users outAccess to IBC Bank Online requires a private user ID and passwordIBC Bank Online sessions automatically terminate if there is no computer activity for ten minutes and a repetition of the login process is required for reconnectionIf a wrong user ID and password are entered at sign on for the third time, the user ID is automatically locked out and you will be required to contact an IBC Bank representative to reset your password
- What can I do to keep my account(s) secure? There are definitely measures you can take to protect your online identity. For more information, please visit: https://www.ibc.com/online-banking/online-banking-security.
Click2Switch
- What is Click2Switch?
Click2Switch is an automated account switching solution that makes it easy for you to switch your recurring direct deposits quickly and securely from your current financial institution account to your new IBC account.
- How long will it take for my switch to be complete?
Submitting your request can be completed in a matter of minutes.
Once a company receives the form, a direct deposit switches typically take 5-15 business days. Since the timeframe depends on the company receiving the switch request, it is always a good idea to review your switch status page for the most current information regarding each switch and to continue monitoring your accounts.
- What is a Direct Deposit?
A direct deposit is any credit that you receive from an organization directly into your account. These could include payroll direct deposits, government direct deposits (Social Security, Disability, etc.) and dividend direct deposits from investment accounts.
- Do I need to call my depositors to confirm the switch?
We display the status for each direct deposit on the home screen under the button titled “View Existing Switches.” If a switch shows a “Completed Status” there is no need to contact the Financial Institution. For switches that are marked as “Mailed Status” for more than fifteen business days, you may want to contact the Financial Institution to confirm the status and see if the company needs additional information.
- How does Click2Switch work?
Click2Switch removes the hassle of contacting your bank to inform them of your new account information. You input your account and direct deposit information to our secure Click2Switch system, submit the switch and we will do the rest. You can monitor the progress of your switches by clicking on the “View Existing Switches” on the home screen of your Dashboard.
- What if I do not have the information required to submit a switch?
If a field has an asterisk on the right, this information is required for the switch to be submitted. If you are in the middle of a switch, you can click “Save and Continue Later.” It will save as an “Information Needed” status and you can either log back in later when you have the required information or contact the financial institution for help.
- Is Click2Switch secure?
Yes. Click2Switch uses the latest in online encryption protection to gather and store your switch information. Additionally, our facilities adhere to the highest industry standards regarding the security of your personal information.
- When is it safe to move/remove funds from my prior account?
We recommend keeping enough money in your old account to cover any automatic payment until the switch status is “Completed.”
- Whom does the customer contact if they need assistance with Click2Switch?
For questions about Click2Switch, please contact your bank officer or call the Call Center at 210-841-3000. To file an ACH dispute related to Click2Switch, please visit your nearest IBC Branch location
- What do I need to start my switch?
You will need to gather your direct deposit information to get your switches started. You will need to know your account number, routing number and your employer’s information.
Note: A domestic address associated to the customer’s account is required and the employer may or may not require a social security number. If the customer does not have a social security number and the employer, has it as a required field, please refer them to their employer to complete the switch.
- Once a switch has been submitted, when does a company receive the information?
Switches are processed and sent out within 24 hours of the switch being submitted whether it is electronic or a manual request.
- Which address should I use for a manual Switch?
A large number of depositors are already in our system. However, if we do not have a company’s address, please use a corporate address used by your employer.
- What if I forget to include a direct deposit when submitting my switches?
You can easily add additional switches any time! Simply log back into your Click2Switch account and resume your session.
- One of my switches has an “Action Needed” status. What does this mean?
Occasionally, after you have submitted a switch for processing, our research team determines that the company requires you to update your banking information with them online. When this happens, your switch will show an “Action Needed” status. You may also see an “Action Needed” status if the switch is rejected for other reasons. To see the details of the action you need to take, you can click on the Edit icon in the Actions column.
