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 Additional Cash Management Options 

Repurchase Agreement Sweep

IBC’s Repurchase Agreement (Repo) Sweep allows you to invest excess funds in your accounts, while still maintaining liquidity of those funds.

  • FEATURES
    • Our staff will work with you to determine a target balance for your checking account
    • At the end of each business day, after all debits and credits have posted to your account, collected funds in excess of the target balance are swept into the overnight investment account (IBC requires a minimum investable balance of $25,000.00)
    • The next day the funds are swept back into your account and the process is repeated again at the end of the day, provided that you have sufficient funds
  • BENEFITS
    • Excess account balances are always fully invested
    • If funds are needed to cover account activity, the exact amount is swept back into your account
    • You receive daily confirmation reports disclosing all collateral information

Zero Balance Accounts

With a Zero Balance Account (ZBA) from IBC, your company can link one or more subsidiary accounts to a master funding account, allowing you to gain greater control over the use of your funds.

  • FEATURES
    • Multiple ZBAs can be tied to a single master funding account – or as many subsidiary accounts as are needed by your business
    • The master account automatically transfers funds to and from the subsidiary accounts whenever needed to make a payment

IBC’s Cash Management Team is here to assist you in determining the best options available to meet your unique business needs.

Technical Support: Easy access personal support – call our dedicated IBC Link Support Representatives at 210-821-4744, 8:00am – 5:00pm CST, Monday-Friday.

For more information, please contact an IBC representative or visit the nearest IBC branch.