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FAQ

It is a prepaid card that allows you to shop everywhere Visa Debit Cards are accepted.
You can purchase an IBC Bank Visa Cash Card in any whole dollar amount you choose from $25 and $2,500. IBC Bank Visa Cash Cards are sold to IBC Bank customers only.
Yes, the cardholder can cancel the card and replace it with the remaining amount on the card by visiting any IBC Bank branch. The service charge will not be refunded and the replacement fee is $10.
You can view your transaction history & reload your IBC Bank Visa Cash Card online. Register it at www.ibcvisacashcard.com to access your account balance information online. If you do not have internet access, call 1-866-436-1965, 24 hours a day, 7 days a week. Balance inquiry fees may apply. Refer to the terms and conditions for specific fees.
They are personalized and take approximately 5 - 7 business days to be mailed to the purchaser or recipient's address.
The IBC Bank Visa Cash Card can be activated by calling 1-866-436-1965.
Yes, but you must let the cashier or merchant know the amount you want to pay on your IBC Bank Visa Cash Card and then pay the remainder through other means. Failing to tell the cashier or merchant while trying to make a purchase for more than the remaining amount will cause the transaction to be declined.
No, it is a stored value debit card with a prepaid value between $25 and $2,500.
Yes, the card may be used at any number of merchants as long as Visa is accepted and the card has sufficient funds.
Yes, the card can be used to withdraw cash from ATMs across the country and anywhere you see the PLUS or Visa logos. The PIN can be selected by calling 1-866-436-1965. Transaction fees may apply. Refer to the terms and conditions for specific fees.
Depending on the merchant, you can get cash back when you use your card to make a purchase. Just enter your PIN number and follow the instructions on the PIN terminal.
Immediately report your card lost or stolen card at 1-866-436-1965. The card number is required to cancel card.
Yes, the expiration date will be in front of the card, which will be at least 3 years from the date of purchase.
Yes, the IBC Bank Visa Cash Card can be reloaded by visiting an IBC Bank Branch or setting up automated reloads at www.ibcvisacashcard.com
Yes. If you use your card in a foreign country or in a transaction involving a currency other than U.S. dollars, then each transaction will be converted to U.S. dollars under regulations established by Visa International. A 3% multi-currency conversion fee for foreign currency transactions will be added to the transaction amount. Please refer to the terms and conditions for further details.
The card terminal at the "pay at the pump" stations checks if your  IBC Bank Visa Cash Card has enough funds left to pay for an "average purchase of gas". If your cash card does not have enough money to pay for an average amount, your attempt to pay at the pump will be declined. The average gas purchase amount changes just as retail gas prices change. This check is in place to prevent people from spending more than the balance left on the cash card. We recommend that you prepay the dollar amount of gas you want to purchase to the cashier.
Restaurants have programed their card terminals to account the food server's tip in addition to the total amount of the overall bill. The card terminals are typically programmed by restaurants to "up charge" the tip amount (usually between 15% - 20%) based on a percentage of the total bill. This "up charge" is to ensure you have available funds to cover the total of your food bill plus tip. However, you will not be charged this "up charge" if you choose to pay a different tip amount or pay the tip in cash. Your cash card balance will reflect the total that you sign on the restaurant receipt.
If you have already enrolled in online banking, follow the steps below. See Online Banking demos.
  • On the ibc.com website homepage enter your User ID and select go.
  • Select I am a new user and submit
  • Select your secure access code preferred contact method. A secure access code will be delivered to you.
  • Enter the secure access code you received in the secure access code field.
  • Establish your new password.
  • Verify/update your Online Banking Profile and submit.
  • If you are using a trusted device, at this time please register your device.
  • Read the Online Banking Agreement, and click I accept.
To conveniently enroll for the first time, follow the steps below.
  • Visit the ibc.com home page and click "Sign-Up Today!"
  • Enter your ten digit account number and account type.
  • You will be asked to enter several verification tokens; once you have done so click continue.
  • Upon validation of your information, you will be asked to obtain a Secure Access Code.
  • Your profile information will be displayed for review.
  • Next, the Terms and Conditions will display for your acceptance.
The Secure Access Code is a one-time code that allows you to authenticate your Online Banking session. Your Secure Access Code will be delivered to you via e-mail, phone, or text. The one-time Secure Access Code is received within seconds but is only valid for 60 minutes.
If all of the contact information we have on file is inaccurate or out-of-date, you will not be able to proceed any further. Please contact Online Banking Support at 210-841-3000; be prepared to provide your email, cell phone, and/or home phone.
The minimum browser requirements are as follows:
  • Microsoft Internet Explorer 11 and up
  • Microsoft Edge - all versions
  • Google Chrome 38 and up
  • Mozilla Firefox 27 and up
  • Safari (Desktop) 7 and up for OS X 10.9(Mavericks) & higher
  • Safari (Mobile) 5 and up for iOS 10 & higher
  • Android (Mobile) Lollipop 5.0 & higher
The browsers listed above have been tested and provide a reliable banking experience. Some of the listed browsers may have slight behavioral and cosmetic differences. We recommend always using the latest versions of Internet Explorer, Safari, Chrome, and Firefox. Click here to download the latest browsers.
There are several possible reasons that you may need to register a browser or device again, including:
  • Your browser settings are configured to delete cookies
  • Your browser cookies for Online Banking were removed
  • You use a browser plug-in that automatically removes browser cookies when you close the browser
  • Your account requires a Secure Access Code each time you log in
  • You logged in with a different browser on the same registered computer
  • You deleted and reinstalled the mobile banking app
  • For security reasons, we reset all active registrations for all users
If you choose not to register your computer, you will be asked to go through the security authentication to obtain a Secure Access Code upon each log in. You should not register a public computer or a computer that others might use outside of your control.
Your log in credentials will reset within 24 hours. Please contact Online Banking Support at 210-841-3000 during normal banking hours if this has occurred, and we will be happy to assist you.
Under Settings, click on Security Preferences. You will be asked to change your password: first enter your old password and then your new password. Click change password.
Yes. An endorsement will be required in order to process your deposited check.
The app will inform you once the check or checks that you are depositing have been submitted. This does not mean that your deposit is complete. You should hold onto your deposited check until you see it posted on your bank statement. Checks may be rejected based on limits, quality of the image or other reasons found necessary by IBC Bank.
Typically checks will become available the next business day if deposited before 7 PM Central time. You can view your depositor's agreement for full details. ALL DEPOSITS ARE SUBJECT TO HOLD. THIS INCLUDES PAYROLL CHECKS
Yes, the app will prompt you to take a photo of both the front and back of the check.
The app will review your submission. If the picture is not clear you will receive an error message informing you to retake the image. At that time you will need to recapture the images.
Yes, the system offers two-factor authentication requiring a Secure Access Code to complete the log in process. The system also has a built-in timeout feature that will log you out after 10 minutes of inactivity. Also, no account information is ever stored on your mobile device.
In the instance that your mobile device is lost, rest assured that no account data is ever stored on your device. You can have your mobile banking access disabled by calling 210-841-3000. It is best practice to refrain from storing your log in credentials on your device.
No. You may enroll directly to Mobile Banking.
You can download the IBC Mobile Banking app by visiting the Apple App Store or Google Play and searching for IBC Bank. Data rates may apply.
  • Log in to your online banking account.
  • Click on Text Enrollment under Settings in your menu bar.
  • Fill in the appropriate information to enable and authorize; click Save.
  • Once prompted with enrollment success select Visit Preferences.
  • On the account preferences screen select Enabled to have text banking access on desired accounts. Give each account a unique 4 character display name and a display order.
  • Text LIST to 226563 to receive a list of all text banking commands
  • Text BAL to 226563 to receive account balance
  • Text XFER to 226563 to transfer amount from account 1 to account 2
  • Text HIST to 226563 to receive account history (by account nickname)
  • Text HELP to 226563 for information about text banking and contact information
  • Text STOP to 226563 to Stop all text messages to the mobile device
  • Under the Settings menu tab, select Text Enrollment.
  • Enter your new cell phone number in the SMS Text Number field; agree to terms and conditions, and select Save.
You can use any phone that accepts SMS text & Short Code messages. Data and message rates may apply.
Yes, you can transfer funds to accounts that you have at other financial institutions.
The service itself is free; however, some expedited transactions do have minimal fees. The fee will be clearly listed on the screen. Only some payees offer the expedited services. Click here to view the Schedule of Fees.
Select Transactions from your online banking menu bar, select Bill Payment & Transfers, and then select the accounts you would like to enroll into bill pay.