FAQs

IBC Bank and Commerce Bank are divisions of International Bancshares Corporation (NASDAQ: IBOC), a $16.3 billion multi-bank financial holding company headquartered in Laredo, Texas, with 166 facilities and 255 ATMs serving 75 communities in Texas and Oklahoma. IBC Bank’s slogan “We Do More” reflects the bank’s dedication to the growth and success of the customers and the communities it has been serving since 1966. IBC Bank has been recognized by Forbes as one of America’s Best Banks and one of the World’s Best Banks. Additionally, IBC Bank ranked No. 1 on S&P Global Market Intelligence’s Top 50 Public Banks for 2023. MEMBER FDIC / INTERNATIONAL BANCSHARES CORPORATION. Follow our Facebook and Instagram page, @IBCBankWeDoMore. More information is available at ibc.com.

Dennis E. Nixon is the CEO and Chairman of International Bancshares Corporation.

We have over 160 bank branches and over 250 ATMs in about 75 Texas and Oklahoma cities, including Laredo, Houston, San Antonio, Corpus Christi, McAllen, Oklahoma City, Tulsa, Lawton, Austin, Port Lavaca, Eagle Pass, Brownsville, Zapata, and Dallas.

Products and services include:

• Checking Accounts
• Savings Accounts
• Certificates of Deposit
• Mortgage Loans
• Personal Loans
• Commercial Loans
• ATM Services
• IBC Bank Online with Bill Pay
• 24-Hour Banking by Phone on IBC Voice
• 7-Day Banking
• Extended Banking Hours
• Investments**
• Insurance Policies***
• Trusts and Estate Planning
• Letters of Credit
• Foreign Exchange
• Wire Transfers
• International Trade Services

**Not FDIC insured. May lose value. No bank guarantee.

***Products distributed by IBC Insurance Agency, Inc., a wholly owned subsidiary

For customer service, contact our main branches per city so we can assist you, or visit your nearest IBC Bank branch for assistance.

Commerce Bank is a full service bank within the International Bancshares Corporation that services its customers' banking needs.

Products and services include:

• Checking Accounts
• Savings Accounts
• Certificates of Deposit
• Mortgage Loans
• Personal Loans
• Commercial Loans
• ATM Services
• IBC Bank Online with Bill Pay
• 24-Hour Banking by Phone on IBC Voice
• 7-Day Banking
• Extended Banking Hours
• Investments**
• Insurance Policies***
• Trusts and Estate Planning
• Letters of Credit
• Foreign Exchange
• Wire Transfers
• International Trade Services

**Not FDIC insured. May lose value. No bank guarantee.

***Products distributed by IBC Insurance Agency, Inc., a wholly owned subsidiary

Commerce Bank has three operating branches in Laredo, Texas.

Yes! To find your nearest IBC Bank branch location, please go to https://www.ibc.com/locations. You can also find an IBC Bank branch location within Online Banking.

On the ibc.com website home page, click on Secure Sign In (located in the top left corner of the page) and enter your User ID and select sign in. Select "I am a new user". Enter your User ID and click 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. Read the Online Banking Agreement and click "I accept".

You can use any of the following commands with Text Banking: 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

On the ibc.com website home page, click "Sign-Up". Enter your account number and account type. You will be asked to enter several verification tokens to help us better verify your identity in the future. 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 be displayed for your acceptance.

No. However, if you choose not to register your computer, you will be asked to go through the security authentication process 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.

To change your Online Banking password, first log in to your Online Banking account. Under Settings, click on Security Preferences. You will be asked to change your password: first enter your old password and then your new one. Then, enter your new password once more to confirm. Click change password.

First, log in to your Online Banking account. Click on Settings in your menu bar, then click on "Text Enrollment". Verify the mobile number is accurate. Review the Terms and Conditions and Privacy Policy. Then you will have to activate the enable and authorize on the mobile device button. Once you complete these steps, you will receive a notification of your success.

First, log in to your Online Banking account. Click on Settings in your menu bar, then click on "Profile". You can update your Primary and Secondary phone numbers here. To update your phone number for Text Banking, select Text Enrollment and enter your new cell phone number in the SMS Text Number field. Check the box to Agree to Terms and Conditions, then click Save. To receive your Secure Access code to your new cell phone number, click on Security Preferences. Select Secure Delivery and you will be able to add/remove phone numbers.

Text Banking will work with any phone that accepts SMS text & short code messages. Data and message rates may apply.

Yes, as long as the other account is under your name. In My IBC Bank Online, you would have to do this through Bill Payments and Transfers.

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.

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.

Available to all IBC online banking customers, the app allows you to check balances, pay bills, make transfers, make deposits and find locations.

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. You will need to download the IBC Bank app and follow the instructions provided for mobile deposit.

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 account by checking online banking or on your bank statement. Checks may be rejected based on limits, quality of the image or other reasons found necessary by IBC Bank.

Depositing checks is free using our app!

Yes. The app will prompt you to take a photo of both the front and back of the check.

Your deposit may not be available immediately. For accounts opened less than 30 days, the funds will be available on the 11th business day after the day of deposit. For accounts opened greater than 30 days, the funds may not be available until the 4th business day after the day of deposit. If a hold is placed on your mobile deposit, you will receive an email with the specific availabiltiy of your deposit.

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.

Yes. IBC Bank offers a variety of positions in different business areas. Please visit our careers page and explore our current openings at https://www.ibc.com/careers.

Yes, IBC Bank offers both full-time and part-time positions .Please visit our careers page and explore our current openings at https://www.ibc.com/careers.

We want to ensure you feel safe having an account with IBC Bank!

IBC Online Banking security measures are thorough and effective:

• Encryption technology scrambles information as it travels over the Internet.
• Firewalls only allow messages from authorized sources into the system and keep unauthorized users out.
• Access to IBC Bank Online requires a private user ID and password
• IBC Bank Online sessions automatically terminate if there is no computer activity for ten minutes and a repetition of the login process is required for reconnection.
• If a wrong user ID and password are entered at sign on for the third time, the user ID is automatically locked out and you will be required to contact an IBC Bank representative to reset your password

There are definitely measures you can take to protect your online identity. For more information, please visit: https://www.ibc.com/online-banking/online-banking-security.

Click2Switch is an automated account switching solution that makes it easy for you to switch your recurring direct deposits quickly and securely from your current financial institution account to your new IBC account.

Submitting your request can be completed in a matter of minutes.

Once a company receives the form, a direct deposit switches typically take 5-15 business days. Since the timeframe depends on the company receiving the switch request, it is always a good idea to review your switch status page for the most current information regarding each switch and to continue monitoring your accounts.

A direct deposit is any credit that you receive from an organization directly into your account. These could include payroll direct deposits, government direct deposits (Social Security, Disability, etc.) and dividend direct deposits from investment accounts.

We display the status for each direct deposit on the home screen under the button titled “View Existing Switches.” If a switch shows a “Completed Status” there is no need to contact the Financial Institution. For switches that are marked as “Mailed Status” for more than fifteen business days, you may want to contact the Financial Institution to confirm the status and see if the company needs additional information.

Click2Switch removes the hassle of contacting your bank to inform them of your new account information. You input your account and direct deposit information to our secure Click2Switch system, submit the switch and we will do the rest. You can monitor the progress of your switches by clicking on the “View Existing Switches” on the home screen of your Dashboard.

If a field has an asterisk on the right, this information is required for the switch to be submitted. If you are in the middle of a switch, you can click “Save and Continue Later.” It will save as an “Information Needed” status and you can either log back in later when you have the required information or contact the financial institution for help.

Yes. Click2Switch uses the latest in online encryption protection to gather and store your switch information. Additionally, our facilities adhere to the highest industry standards regarding the security of your personal information.

We recommend keeping enough money in your old account to cover any automatic payment until the switch status is “Completed.”

For questions about Click2Switch, please contact your bank officer or call the Call Center at 210-841-3000. To file an ACH dispute related to Click2Switch, please visit your nearest IBC Branch location

You will need to gather your direct deposit information to get your switches started. You will need to know your account number, routing number and your employer’s information.

Note: A domestic address associated to the customer’s account is required and the employer may or may not require a social security number. If the customer does not have a social security number and the employer, has it as a required field, please refer them to their employer to complete the switch.

Switches are processed and sent out within 24 hours of the switch being submitted whether it is electronic or a manual request.

A large number of depositors are already in our system. However, if we do not have a company’s address, please use a corporate address used by your employer.

You can easily add additional switches any time! Simply log back into your Click2Switch account and resume your session.

Occasionally, after you have submitted a switch for processing, our research team determines that the company requires you to update your banking information with them online. When this happens, your switch will show an “Action Needed” status. You may also see an “Action Needed” status if the switch is rejected for other reasons. To see the details of the action you need to take, you can click on the Edit icon in the Actions column.