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FAQ

About IBC Bank

IBC Bank was founded in 1966 to meet the needs of small businesses in Laredo, Texas. Today, it serves as the flagship bank of International Bancshares Corporation. Since its opening, IBC Bank has grown from less than $1 million in assets to more than $12.2 billion, making it one of Texas' largest holding companies. We now serve about 89 communities throughout Texas and Oklahoma, with over 189 facilities and more than 288 ATMs providing full service banking seven days a week. At IBC Bank we make banking convenient for our customers by offering late and weekend hours at many of our locations.
Dennis E. Nixon is the CEO and Chairman of International Bancshares Corporation.
We have over 189 bank branches and over 288 ATMs in about 89 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
  • Personal Private BankingTrusts and Estate Planning
  • Letters of Credit
  • Foreign Exchange
  • Wire Transfers
  • International Trade Services
  • Personal Private Banking
 

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

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

 

About Commerce Bank

Commerce Bank is a full service bank within the International Bancshares Corporation that services its customers' banking needs.
Ignacio Urrabazo is the CEO & President of Commerce Bank.
Commerce Bank has four operating branches in Laredo, Texas.
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
  • Personal Private BankingTrusts and Estate Planning
  • Letters of Credit
  • Foreign Exchange
  • Wire Transfers
  • International Trade Services
  • Personal Private Banking
 
**Not FDIC insured. May lose value. No bank guarantee.
***Products distributed by IBC Insurance Agency, Inc., a wholly owned subsidiary
 

ATM/Branch Locator

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

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".
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.
The Secure Access Code is a one-time code that allows you to authenticate your Online Banking session when you log in. 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 any 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 information to properly verify your identity.
If you are using an older or otherwise unsupported browser, please install one of the following in order to get the most out of IBC's website:
  • Best viewed on Google Chrome 38 and up
  • Microsoft Internet Explorer 11 and up
  • Microsoft Edge - all versions
  • Mozilla Firefox 27 and up
  • Safari (Desktop) 7 and up for OS X 10.9 (Mavericks) & higher
  • Safari (Mobile) 5 and up for iOS 5 & higher
  • Android (Mobile) Lollipop 5.0 & higher
There could be a number of different reasons, such as:
  • The browser cookies for Online Banking may have been removed
  • You may be running a browser plug-in that automatically removes browser cookies when you close the browser
  • Your account may require a Secure Access Code each time you log in
  • You may have logged in with a different browser on the same registered computer
  • You may have deleted and reinstalled the mobile banking app
 
For security reasons, we reset all active registrations for all users
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.
Your log in credentials will reset within 24 hours. Please contact Online Banking Support at 210-841-3000 during normal banking hours (Mon - Fri: 8:30AM-5:30PM; Sat : 8:30AM -1:00PM; Sunday and Holidays: Closed) if this has occurred, and we will be happy to assist you.
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.
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
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.
 

Mobile Banking

Available to all IBC online banking customers, the app allows you to check balances, pay bills, make transfers, make deposits and find locations.
Yes. You will need to download the IBC Bank app and follow the instructions provided for mobile deposit.
Yes, please endorse with "For Mobile Banking Deposit Only". Please also include your signature on the back of the check you wish to 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.
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.
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.
Yes. The system offers a 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.
Available to all IBC online banking customers, the app allows you to check balances, pay bills, make transfers, make deposits and find locations.
 

Careers

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

Privacy & Security

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.