IBC Bank offers four types of checking accounts that give you the freedom and flexibility for every lifestyle. IBC offers Free Checking Accounts, Rite Checking, Regular Checking, and Interest Checking. Benefits of an IBC checking account include direct deposit options, estatement with online banking, access to 189 branches and 227 ATM locations, and low minimum daily balance requirements. Compare checking accounts to find the best one for your personal spending and savings goals.
IBC Bank offers several personal checking accounts to help meet your financial goals. From free personal checking accounts with no minimum balance to interest earning money market accounts. Which checking account best fits your lifestyle depends on how much you can deposit and what minimum balance is required. If you can maintain higher balances, IBC’s interest earning checking accounts offer competitive rates and no service charges. Compare checking accounts.
Yes. IBC Bank offers an instant issue Visa debit card with every checking account opening. All free checking accounts also include free first two copies of cancelled checks per month, IBC Voice, eStatement with digital banking, and 24/7 access to My IBC Bank Online.
IBC Voice is an automated phone banking system that allows you to easily access your IBC Bank checking account information. Dial the automated IBC Voice line and enter your IBC Voice Personal Identification Number (PIN). Click here to locate your city's IBC Voice line.
The easiest way to check the balance on your checking account is to enroll in online banking on the ibc.com home page. Simply, set up your account and password and you can check balances, get statements, and make transfers and payments. Set up the IBC Bank mobile banking app, and check balances on your smart phone from anywhere.
Look on your IBC Bank check and the nine-digit number on the bottom left-hand side is your routing number. The checking account number is on the bottom right hand side. The last number is your check number. For more details, click here.
Yes, it is easy to withdraw funds from your IBC checking account. You have two options: withdraw from any ATM or visit a local branch in your area. You can find locations here.
You have a complete line of personal checking accounts to fit your need. For as little as a $10 up to $100 opening deposit depending on the checking account you choose, your free checking account comes with many extras like free online bill pay, IBC voice, and a Visa Debit Card.
With your monthly bank statement, you are provided a copy of your canceled checks. However, if you need additional copies, you can visit any branch close to you for additional help.
Yes. With IBC, we provide a two-factor authentication that requires a Secure Access Code to log into the account. We take security and the safety of your money serious and have a built-in timeout feature that after 10 minutes of inactivity will log you out of your account. As, an extra security measure, we have made sure that information is not stored on your mobile device.
As a courtesy when you do not have a sufficient balance to cover a checking account transaction, IBC Bank covers your overdraft. You are automatically enrolled in the Overdraft Courtesy® Program unless you choose to opt-out. In the case IBC Bank covers an insufficient transaction, you will be charged an overdraft fee of $35 for each instance. If you overdraw by $3.00 or less, you will not be charged an overdraft fee.
To open a traditional IBC Bank savings account, you only need a minimum deposit of $100. For a CD account, you need a minimum deposit of $2500 for a four-year term. The minimum amount to open an IRA account is $50.
You will see a $5 service charge per month on your personal savings account if a minimum daily balance of $500 is not maintained. You can also avoid service charges if you keep an average collected account balance of $1,500 in your account.
Yes. IBC Bank offers several savings accounts that earn interest. A basic savings account will offer a variable Annual Percentage Yield paid quarterly with a minimum balance of $500. A CD account will earn a higher-interest rate
You must be 18 years or older to open your own savings account with IBC Bank. If you are not 18 years old, you may open an account for minors with your parent or legal guardian as the joint account holder. IBC Bank savings accounts are free for account holders under the age of 18.
Yes. You get unlimited IBC Bank ATM withdrawals and transactions with your personal savings account. You may also withdraw from your basic personal savings account from a bank teller twice a month with no fees. Any additional withdrawals will cost you $1 per transaction. Remember to keep at minimum balance of $500 to avoid service charges.
Account holders get unlimited transfers and transactions from an IBC ATM. Telephone, third party checks, drafts, and debit card transactions, and pre-authorized transfers are limited to six per month. Pre-authorized transfers include those processed through IBC Voice, IBC Bank Online and Overdraft Transfer Protection. If transaction limits are exceeded on more than an occasional basis, the account type could be changed.
Yes. An IBC Bank basic savings account comes with Visa debit cards that may be used for ATM withdrawals and transactions, as well as for retail goods and services anywhere in the world. The IBC Bank Visa Debit Card gives you instant access to your savings account for travel, food, dining, shopping, and entertainment purchases and can sync to your mobile wallet.
Yes. Individual Retirement Accounts (IRAs) are great savings plans that help you save for your retirement with tax benefits along way. Your contributions grow tax deferred until you retire. IBC Bank offers three IRA accounts – Traditional, Roth, and Educational - that help you reduce your annual taxable income, save for college, and enjoy tax-free earnings. A Traditional IRA can reduce your current year's taxable income and get those funds growing with withdrawals as early as age 59½.
Free Checking accounts provide the following features: $10 opening deposit, unlimited transactions and no service charge, free IBC Bank instant issue Visa debit card, free IBC voice, and online banking.
IBC Voice is an automated phone banking system that allows you to confidentially and easily access your IBC Bank account information. Just dial the automated IBC Voice line and enter your IBC Voice Personal Identification Number (PIN) to access your account easily, conveniently and securely.
You receive an IBC Bank Instant Issue Visa Debit Card at account opening. If a debit card is mailed to you, you should receive it within 7-10 business days.
To apply for a credit card, you will need a government issued personal identification form (i.e. passport, driver's license, etc.) and a Social Security Number. If you are declined, you will still have the option to apply for a secured credit card in order to rebuild your credit or start a credit history. Please visit https://www.ibc.com/personal/bank-cards/ibc-credit-cards to learn about the various types of credit cards IBC bank offers and to apply for the card that best suits your needs.
Yes. 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.
Yes. The system offers a two-factor authentication requiring a Secure Access Code to complete the log in process. The system also has a built-in timeout feature that will log you out after 10 minutes of inactivity. Also, no account information is ever stored on your mobile device.
Applying for car loan is easy, please visit your local branch to obtain a loan application. To find your nearest IBC Bank branch location, please go to https://www.ibc.com/atm-branch-locator
Yes. Our minimum loan amount is $2,500. For more information, please visit your local branch to obtain a loan application. To find your nearest IBC Bank branch location, please go to https://www.ibc.com/atm-branch-locator.
IBC Bank can lend up to 100% of the National Automobile Dealers Association (NADA) retail, trade or loan value depending on the vehicle year model. To find your nearest IBC Bank branch location to apply for a loan, please go to https://www.ibc.com/atm-branch-locator.
Many factors are considered when determining the payment including length of loan, interest rate, and your credit score. An IBC Bank representative will be able to assist you at any of our branches. Use of personal loan calculator to estimate your loan: https://www.ibc.com/personal/lending/personal-loan-calculator
"Independent agents represent a number of different insurance companies/carriers and are not required to sell a particular product or service over others. This gives us the flexibility and independence to find the best product at the best price for you.There are a number of advantages in dealing with an independent agency:IBC Insurance agents will work with you to create a customized insurance program to protect your home, family and businessOur agents can save you time and money by shopping multiple carriers to find the best coverage and value availableAll of your policies (home, auto, life, group health, business, etc.) can be serviced within our agency, providing a single contact for your insurance needsWe are able to move your policies to different carriers/companies as your insurance needs change or premiums increase, while still providing the consistent service and support you deserve
The term “bundling” is widely used to refer to buying your home and auto insurance with the same carrier to save money, although most companies/carriers provide discounts for purchasing multiple policies for your home or business. However, bundling only really saves you money overall if all the policies are competitively priced. While there are many advantages to having multiple policies with the same carrier, sometimes it is necessary to have multiple carriers to get the best coverage at the best price.
This is a very common saying in the insurance world. Consumers want to be able to compare the quotes they receive and make an informed choice to protect their home, family, and business. Unfortunately, a direct comparison is rarely possible because most carriers have their own coverage forms, exclusions and options. For this reason, we highly recommend that you work with a knowledgeable agent who can assist in comparing quotes so you can make an informed choice to meet your needs.
The biggest thing to know when going to the internet to buy insurance is that, for the most part, when you fill out an application online, you are not able to buy a policy immediately. Usually this form is sent to multiple agencies, who will call or e-mail you to finish the quoting process. For home and auto policies, the necessary driver and claim history reports are not run until they verify the information with you. Business insurance requests usually require even more information to get a final quote. It is likely you will go through the same time and effort online as you would working with an independent agent, but without the advantages. For advantages of working with an independent agent, see the question above in the FAQs section.
Yes. IBC Insurance Agency is able to provide policies for all of your insurance needs with our extensive network of carriers and insurance companies. You can click HERE for a list of some of the policies we are able to provide. Please contact us for a complimentary consultation to help choose the policies that are right for you.
While all of our products are available in Texas, IBC Insurance Agency is also licensed in multiple states to meet your insurance needs. Please contact us online at https://www.ibc.com/personal/insurance/contact-us or by phone at 1-800-443-3852 to discuss your specific situation.
IBC Bank is a community bank, and IBC Insurance is a community agency. We can provide customized solutions for all of your insurance needs while providing the high level of customer service you deserve. Our access to numerous insurance companies gives us the flexibility to serve any size client. Become part of the IBC Insurance family today.
IBC Mortgage makes the home loan process simple with our resources and loan calculators that help you determine how much you can afford by calculating monthly payments. We offer competitive financing through a variety of mortgage programs.
As you begin to plan for retirement, there are numerous factors to consider, such as how much you will need to save, the type of retirement plan that is best suited to your particular situation, and the appropriate investment vehicles that will help you work toward achieving your goal of a comfortable retirement. For detailed information, please visit https://www.ibc.com/personal/investments/contact-us.
We can help you establish a tax-deferred plan such as an Education IRA or a 529 Plan that is funded with after tax-dollars but generates earnings that grow tax-deferred. Distributions may be tax-free when used to pay for college expenses.
IBC Overdraft Courtesy® is a discretionary service that comes with some accounts for U.S. customers. Your account must be open for 30 days and be in good standing to be eligible for the Overdraft Courtesy® program. To learn more, visit: https://www.ibc.com/personal/other-services/overdraft-courtesy
Yes! Our branches remain open with new operating hours. To locate your nearest branch, please use our ATM/Branch Locator: https://www.ibc.com/atm-branch-locator
Through MyIBCBank Online and our IBC Mobile App, you can deposit checks using the camera on your smartphone, *pay your bills, and transfer funds between your accounts. You can also deposit cash and checks at most of our ATMs (*Deposit limits apply. Deposits may be subject to a hold, and may not be immediately available, however, they will be processed just as those deposits conducted at any of our branches). You can view our banking demos here for more information.*See Schedule of Fees and Services.
You can perform the following transactions at any of our motor banks: (1) checking/savings deposits, (2) checking/savings withdrawals, (3) check cashing, and (4) commercial change orders. To locate your nearest motor bank/drive-thru, please use our ATM/Branch locator: https://www.ibc.com/atm-branch-locator Please visit the branch lobby for transactions over $3,000. Non-customers should visit lobby to process transactions.
"Yes, you can deposit cash and/or checks at most of our ATMs*. Deposits may be subject to a hold, and may not be immediately available, however, they will be processed just as those deposits conducted at any of our branches. *Deposit limits apply; see Schedule of Fees and Services To find your nearest ATM with deposit capabilities, please use our ATM/Branch locator: https://www.ibc.com/atm-branch-locator."
