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 Personal Savings 

A traditional low-cost savings plan with competitive interest rates.

Enjoy the following great benefits of IBC's Personal Savings Account:

FREE for account holders under 18.
No service charge if required balance is maintained.
Savings can be used as collateral for a loan.
Direct deposit makes it convenient for you to save money.
24/7 Access to My IBC Bank Online

Account Requirements and Service Fees

  • Minimum deposit $100
  • Maintain a minimum daily balance of $500.00 OR an average collected balance of $1,500 to avoid service charge
  • Requires a daily balance of $500 to obtain the disclosed Annual Percentage Yield
  • Interest rate is variable and interest is paid and compounded quarterly
  • Transactions on savings accounts are limited by law.
  • $5.00 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.
  • 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.