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Online Banking

 Online Banking FAQ’s 

To Answer your Questions

Online Banking Frequently Asked Questions:

What is Online Banking?
What does Online Banking have to offer?
What is Bill Pay?
What are the costs of Online Banking?
How do I enroll in Online Banking?
How soon can I begin using Online Banking?
How do I access my accounts?
What if I forget my User ID or Password
What is Deposit Express?
How long are the images of the checks stored once I scan them?
Can I print reports and the images of the checks?
Do I have to endorse my checks?
What do I do with my checks once I scan them?
What is Check 21?
Why was Check 21 created?
What does Check 21 do?
What is a substitute check?
How will I benefit with Check 21?
What items are subject to Check 21?

Answers

What is Online Banking?

Online Banking is a safe and convenient way to do your banking from your computer or mobile device. See Online Banking demos.

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What does Online Banking have to offer?

With Online Banking you can:

  • View and track your accounts 24/7.
  • Pay bills online.
  • Transfer funds between IBC accounts.
  • Review transactions posted to your IBC accounts.
  • Receive statement notices and account alerts via e-mail, cell phone or mobile device.
  • Access E-statements for the past 18 months, that you can download and print.
  • Reconcile your checking and savings accounts.
  • View real time account activity.
  • Review your loan and line of credit.
  • Communicate with IBC via Secure Messaging.

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What is Bill Pay?

Bill Pay is a feature of Online Banking that allows you to transfer funds from your IBC account to your creditors, online. See Online Bill Payment demo.

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What are the costs of Online Banking?

Online Banking costs you nothing. It is a free service. Other account-related fees, however, may still apply.

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How do I enroll in Online Banking?

To enroll in IBC Online Banking, you will need:

  • An IBC checking account
  • Internet access
  • Internet browsers Microsoft Internet Explorer 6.0 or higher, or Firefox 2 or higher
  • An e-mail address
  • Your ATM or check card number and PIN
  • Your Social Security or Tax ID number

To use the Bill Pay feature you will also need:

  • Copies of your bills

Enroll Now

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How soon can I begin using Online Banking?

If you have an IBC ATM, Check Card you can begin using Online Banking as soon as you enroll.

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How do I access my accounts?

To access your accounts online, simply enter your User ID and password in the sign in box on the IBC homepage and continue.

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What if I forget my User ID or Password?

If you forget your IBC Online Banking User ID or password, you can reset them through the IBC homepage link “Forgot your password?”

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What is IBC Deposit Express?

IBC Deposit Express is a software program that gives you the ability to create images of the checks you receive throughout the day and deposit them to IBC electronically.

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How long are the images of the checks stored once I scan them?

Images and reports are stored for 20 days in the Deposit Express database

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Can I print reports and the images of the checks?

Deposit Express allows you to print a summary and detail report along with front and back images of your checks.

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Do I have to endorse my checks?

You have the choice of creating a virtual endorsement to the check image once it is scanned or stamping your endorsement.

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What do I do with my checks once I scan them?

According to your company policy, you may want to store or destroy them.

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What is Check 21?

Check 21 allows banks to replace original paper checks with “substitute checks” that are made from the digital copies of the originals.

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Why was Check 21 created?

Check 21 was created to reduce the time, risks and costs associated with paper check processing.

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What does Check 21 do?

Check 21 will create a more efficient check processing system, without changing the way you write checks. It simply requires banks and customers to accept paper copies of their original checks called “substitute checks.”

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What is a substitute check?

A substitute check is a paper copy of the digital image of your original check – both front and back, with all endorsements.

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How will I benefit with Check 21?

  • You may have earlier access to your funds and faster, more convenient access to information about your checks – such as online images.
  • You will have better fraud protection. Faster processing means faster detection and faster resolution.

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What items are subject to Check 21?

All checks, including cashier’s checks, payroll checks, personal checks and business checks are subject to Check 21.

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