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Personal Checking Accounts

IBC Bank offers diverse personal checking accounts tailored for you. From a FREE checking account with a $10 deposit to interest-bearing accounts, we prioritize your financial freedom. Enjoy online bill pay, IBC Voice, and an instant Visa Debit Card. Plus, access 257 ATM locations in Texas and Oklahoma.
Personal Checking Accounts, IBC Texas
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
  • 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
  • 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
  • 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

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.
Why Choose IBC

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

IBC Mobile Banking App, IBC Texas
IBC Mobile Banking App
Access your accounts, make transfers, pay bills, and more, all from the convenience of your mobile device.
IBC Card Control, IBC Texas
IBC Card Control
Safeguard your cards with real-time alerts and controls. Temporarily lock or unlock your card, set spending limits, and more.
IBC Mobile Payments, IBC Texas
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.
How-to Videos, IBC Texas
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.

Personal Checking Account Options

Personal IBC Connection Account

Personal IBC Connection Account

Interest-bearing accounts that leverage combined balances, offering bonus rates on CDs and premium features.
Personal Check ‘N Save (N.O.W.)

Personal Check ‘N Save (N.O.W.)

A competitive interest-bearing account.
Personal IBC Elite Checking (N.O.W.)

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

An interest-bearing account with premium benefits for those aged 50 and above.
Check ‘N Save Plus (Money Market)

Check ‘N Save Plus (Money Market)

A money market account that offers competitive interest rates and easy access to your funds.
Personal IBC Elite Advantage

Personal IBC Elite Advantage

A premium checking account designed to offer our esteemed customers the best interest rates and benefits.
Have more questions?

Your Personal Checking Queries Answered

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