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 IBC Elite Advantage (Money Market) 

A competitive interest bearing account with bonus rates on CDs for those 50 years of age or older who maintain higher than average balances and have limited check writing needs.


IBC Elite Advantage (Money Market) Account Overview 
Maximize your return on investment with additional 10 basis points on CDs.
Premium money market rates.
Maximize your investment.
Tiered variable interest rate.
No service charge if required balance is maintained.
24/7 Access to My IBC Bank Online
Interest is calculated using the collected balance.

Account Requirements and Service Fees

  • Must have an IBC Elite Checking (NOW) account
  • Maintain average collected balance of $7,500.00 OR a minimum daily balance of $5,000.00 to avoid service charge and the per debit charge.
  • Requires a daily collected balance of $5,000.00 to earn interest
  • $15.00 service charge per month if balance requirements are not met
  • Per debit charge is $0.25  
  • Debits are any and all withdrawals made from this account, except for bank associated fees and/or service charges.
    • Transactions on Money Market Accounts are limited by law. Telephone, third party (checks, drafts & debit card transactions) and preauthorized transfers are limited to six per month. Preauthorized transfers include, but are not limited to, transfers processed through IBC Voice, IBC Link and IBC Bank Online. If transaction limits are exceeded on more than an occasional basis, the account type may be changed or account may be closed. Transactions made through Automatic Teller Machines (ATM) or in person over our teller window are unlimited.
    • If third party checks written on Money Market account per statement cycle exceed 6, a $10.00 fee is assessed per check
    • Postage fee based on number of enclosures