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 Business 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.
Maximize your investments with IBC's variable rate of interest.
Easy to get started
Visa Business Debit Card
Interest is calculated using the investable balance.
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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