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 Savings Account 

A traditional low cost savings plan with competitive interest rates.

Savings Account Overview 
FREE for account holders under 18.
Savings can be used as collateral for a loan.
No service charge if required balance is maintained.
Interest is calculated using the investable balance
FREE IBC Bank Online
Direct deposit available.

Account Requirements and Service Fees

  • Minimum deposit $100
  • Maintain average collected balance of $1,500.00 OR a minimum daily balance of $500.00 to avoid service charge
  • Requires a minimum daily balance of $500 to obtain the disclosed Annual Percentage Yield
  • Interest is paid and compounded quarterly
  • Transactions on savings accounts are limited by law.
  • $3.00 service charge per month if balance requirements are not met
  • 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.
  • Postage fee based on number of enclosures
  • 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 account may be closed.