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Online Banking

 Online Banking FAQ’s 

To Answer your Questions

Log In and Enrollment

I am a current Online Banking user; how do I log in for the first time?
How do I enroll in Online Banking?
What is a Secure Access Code?
My correct contact information is not being displayed; how can I receive my Secure Access Code?
My browser is not supported, what do I do?
I registered my browser or device during a previous log in, but now I need to register it again. Why?
Do I need to register my computer?
What should I do if I log in incorrectly and get locked out?
How do I change my Online Banking Password?

Mobile Remote Deposit Capture – IBC Mobile Express

Do I need to endorse the back of my check?
What should I do with my check after it has been deposited using IBC Mobile Express?
How long after my deposit will my funds become available?
Is a photo of both the front and back of the check required?
How do I know if the picture of my check is sufficient?

Mobile Banking

Is Mobile Banking Secure?
What if I lose my mobile device?
Do I need to enroll in IBC Bank Online in order to use Mobile Banking?
How do I download the app?
How do I enroll in Text Banking?
Is Mobile Banking Secure?
What if I lose my mobile device?
Do I need to enroll in IBC Bank Online in order to use Mobile Banking?

Bill Pay & Transfers

How do I download the app?
Can I transfer funds to other IBC accountholders?
Is bill pay a free service?
How do I enroll in bill pay?

 

Answers

I am a current Online Banking user; how do I log in for the first time?

If you have already enrolled in online banking, follow the steps below. See Online Banking demos.

  • On the IBC.com website homepage enter your User ID and select go.
  • Select I am a new user and 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.
  • If you are using a trusted device, at this time please register your device.
  • Read the Online Banking Agreement, and click I accept.

 

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How do I enroll in Online Banking?

To conveniently enroll for the first time, follow the steps below.

  • Visit the ibc.com home page and click “Sign-Up Today!”
  • Enter your ten digit account number and account type.
  • You will be asked to enter several verification tokens; 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 display for your acceptance.

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What is a Secure Access Code?

The Secure Access Code is a one-time code that allows you to authenticate your Online Banking session. Your Secure Access Code will be delivered to you via e-mail, phone, or text. The one-time Secure Access Code is received within seconds but is only valid for 60 minutes.

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My correct contact information is not being displayed; how can I receive my Secure Access Code?

If all of the contact information we have on file is inaccurate or out-of-date, you will not be able to proceed any further. Please contact Online Banking Support at 210-841-3000; be prepared to provide your email, cell phone, and/or home phone.

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My browser is not supported, what do I do?

The minimum browser requirements are as follows:

  • Internet Explorer 10 and up
  • Google Chrome 27 and up
  • Mozilla Firefox 24 and up
  • Safari 6 and up

The bowsers listed above have been tested and provide a reliable banking experience. Some of the listed browsers may have slight behavioral and cosmetic differences. We recommend always using the latest versions of Internet Explorer, Safari, Chrome, and Firefox. Click here to download the latest browsers.

 

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I registered my browser or device during a previous log in, but now I need to register it again. Why?

There are several possible reasons that you may need to register a browser or device again, including:

  • Your browser settings are configured to delete cookies
  • Your browser cookies for Online Banking were removed
  • You use a browser plug-in that automatically removes browser cookies when you close the browser
  • Your account requires a Secure Access Code each time you log in
  • You logged in with a different browser on the same registered computer
  • You deleted and reinstalled the mobile banking app
  • For security reasons, we reset all active registrations for all users

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Do I need to register my computer?

If you choose not to register your computer, you will be asked to go through the security authentication 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.

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What should I do if I log in incorrectly and get locked out?

Your log in credentials will reset within 24 hours. Please contact Online Banking Support at 210-841-3000 during normal banking hours if this has occurred, and we will be happy to assist you.

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How do I change my Online Banking Password?

Under Settings, click on Security Preferences. You will be asked to change your password: first enter your old password and then your new password. Click change password.

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Do I need to endorse the back of my check?

Yes. An endorsement will be required in order to process your deposited check.

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What should I do with my check after it has been deposited using IBC Mobile Express?

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 bank statement. Checks may be rejected based on limits, quality of the image or other reasons found necessary by IBC Bank.

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How long after my deposit will my funds become available?

Typically checks will become available the next business day if deposited before 7 PM Central time. You can view your depositor’s agreement for full details. ALL DEPOSITS ARE SUBJECT TO HOLD. THIS INCLUDES PAYROLL CHECKS

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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.

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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.

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Is Mobile Banking Secure?

Yes, the system offers 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.

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What if I lose my mobile device?

In the instance that your mobile device is lost, rest assured that no account data is ever stored on your device. You can have your mobile banking access disabled by calling 210-841-3000. It is best practice to refrain from storing your log in credentials on your device.

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Do I need to enroll in IBC Bank Online in order to use Mobile Banking?

No. You may enroll directly to Mobile Banking.

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How do I download the 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.

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How do I enroll in Text Banking?

 

  • Log in to your online banking account.
  • Click on Text Enrollment under Settings in your menu bar.
  • Fill in the appropriate information to enable and authorize; click Save.
  • Once prompted with enrollment success select Visit Preferences.
  • On the account preferences screen select Enabled to have text banking access on desired accounts. Give each account a unique 4 character display name and a display order.

 

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Where can I find a list of all text commands?

  • 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

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What should I do if I get a new phone number?

  • Under the Settings menu tab, select Text Enrollment.
  • Enter your new cell phone number in the SMS Text Number field; agree to terms and conditions, and select Save.

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Does Text Banking work with any service plan?

You can use any phone that accepts SMS text & Short Code messages. Data and message rates may apply.

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Can I transfer funds to other financial institutions that I have accounts with?

Yes, you can transfer funds to accounts that you have at other financial institutions.

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Can I transfer funds to other IBC accountholders?

Yes, you can choose to make a single transfer to another account holder or link another account holder's account (for deposit purposes only) to your online log in. The Other account holder MUST be an online banking customer as well. They will need to provide you with some identifying account information. Once you are on the screen, the required information is listed.

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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. Click here to view the Schedule of Fees.

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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.

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