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IBC.com > Business > Checking Options > Business Interest Checking

 Business Interest Checking 

Checking Options
Interest Checking

IBC offers the following interest bearing Business Checking Account:

Check 'N Save (NOW) - Combines unlimited check writing privileges and interest earnings.


Check 'N Save (NOW) Overview 
Combines unlimited check writing privileges and interest earnings.
No service charge if required balance is maintained.
See account requirements and service fees below.
Maximize your investments with IBC's variable rate of interest.
Easy to get started
Minimum opening deposit of only $100.
Visa Business Debit Card
Use at any IBC ATM and at over 30 million Visa locations worldwide.
Interest is calculated using the investable balance.
FREE IBC Voice
Bank from home or anywhere you want, anytime you want. Check your balance, make transfers or order checks.
FREE IBC Bank Online with Bill Pay
Bank from home or anywhere you want, anytime you want. Check your balance, make transfers or order checks, and see your check images. Pay bills fast and easy.
IBC Link
Access to the most comprehensive PC-based corporate cash management system. Review account balance, review history, produce interim bank statements, transfer funds, initiate wire transfers and verify check clearing/deposits. Password protected.

Account Requirements and Service Fees

  • Maintain average collected balance of $3,000 to avoid service charge.
  • Available only to sole proprietorships, non-profit organizations and certain other entities allowed by law.
  • $10.00 maintenance fee if minimum balance is not maintained
  • $0.25 per debit posted; $0.20 per credit posted
  • $0.08 per item deposited that is drawn on IBC Bank/Commerce Bank; $0.12 per item deposited that is drawn on another bank
  • Postage fee based on number of enclosures
  • Requires a minimum daily balance of $1,500 or a $3,000 average investable balance throughout the statement cycle to earn interest. Interest is calculated using investable balance
  • The investable balance is calculated by using the average balance less uncollected funds, less reserve requirement and a premium assessment factor.
  • Business Line of Credit available

Business Options