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 Business Savings Account 

IBC's Business Savings Account offers the following:

Business Savings Account Overview 
Variable Interest Rate.
No service charge if minimum balance is met.
Direct Deposit
Interest is calculated using the investable balance.
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Account Requirements and Service Fees

  • Minimum opening deposit $100
  • Maintain average collected balance of $1,500.00 or a minimum daily balance of $500.00 to avoid service charge
  • Interest is compounded and paid quarterly and calculated using investable balance
  • Requires a daily balance of $500 to obtain the disclosed Annual Percentage Yield
  • Transactions on savings accounts are limited by law.
  • The investable balance is calculated by using the average balance less uncollected funds, less reserve requirement and a premium assessment factor.
  • $3.00 service charge per month if balance requirements are not met
  • Business Line of Credit available
  • Telephone, third party (checks, drafts & debit card transactions) and preauthorized transfers are limited to six (6) per month. Two free teller counter withdrawals per month; additional withdrawal is $1.00. Unlimited IBC ATM transactions.
  • Preauthorized transfers include, but are not limited to transfers processed through IBC Voice, IBC Bank Online or Overdraft Transfer Protection. If transaction limits are exceeded on more than an occasional basis, the account type may be changed or the account may be closed.