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FAQ

Checking and Savings

On your IBC Bank check, the nine digit number on the bottom left-hand side is your routing number. The account number would be the number on the bottom right hand side. The last number is your check number. For more information, click here to learn more https://www.ibc.com/resourcefiles/pdf/ibc-abcs-of-ibc.pdf
You can order more checks by visiting your nearest IBC Bank branch or through this link: https://www.deluxe.com/. Or you never have to order checks again if you enroll in online banking where you can pay bills anytime, anywhere!
Direct deposit is dependent on whether the employer offers that service. Please contact your employer's payroll department to ensure this is something they offer.
Yes. You will need to download the IBC Bank app and follow the instructions provided for mobile deposit.
Yes. IBC Bank offers an instant issue debit card at account opening. All free checking accounts also include: free first two copies of cancelled checks per month, IBC Voice, eStatements, and 24/7 access to My IBC Bank Online.
 

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If any of the contact information we have on file is inaccurate or out-of-date, you will not be able to proceed any further.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.

Supported browsers include:

  • Google Chrome (current and previous two versions)
  • Mozilla Firefox 27 (current and previous two versions)
  • Apple Safari (MAC OS Only) (Current and previous two versions)
  • Microsoft Edge (Current and previous version)
  • Microsoft Internet Explorer 11 and up (will no longer work after October 6, 2020)

 

 

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.
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.
 

Bank Cards

Your IBC Bank Instant Issue Visa® Debit Card is provided and activated at the time you open your account at a branch. If you received your IBC Bank debit card by mail, call the number on the back of the card and select Option 1 to activate.
If you receive a re-issued Visa Debit Card, you will need to call the number on the back of your card to activate it.
Your PIN is activated when you open an account at a branch. To change your PIN, you can call the number on the back of your card and press option #3.

If your card is lost or stolen, or if you suspect fraudulent activity on your card, please call us immediately at the following numbers:

The debit card replacement fee is $10.
Yes. However, you will need to notify your local branch of your travel plans so that you don't experience any disruption with the use of your card.
 

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.
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 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.
 

Currency Exchange

You can exchange Pesos and Euros.
Please contact a bank representative to get updated on the daily rate. To find your nearest IBC Bank branch location, please go to https://www.ibc.com/atm-branch-locator.
 

Foreign Cash Letter

 

Wire Transfers

An IBC customer can make a wire transfer to a foreign country/recipient by providing the name of the recipient, the address including city, state, zip code and country; the name of the foreign beneficiary bank, address, city, state, country, where recipient has their bank account and identify if the account is in U.S. dollars or in foreign currency. The IBC customer is also required to provide the ABA # of the intermediary/correspondent bank in the U.S. where the foreign beneficiary bank does business in U.S. This expedites the process of sending the wire through the proper U.S. bank. Should the ABA # not be known, IBC Bank will locate the ABA # for the foreign beneficiary bank. If the recipient's account is held in foreign currency, Foreign Exchange (FX) services are offered.
 

Letters of Credit

Yes . At IBC Bank, we help facilitate your engagements in trade by offering Letters of Credits including Import or Domestic Letters of Credit, Export Letters of Credit, and Standby Letters of Credit. In order to qualify for Letter of Credit services, you must be an IBC deposit or loan account holder. For more information, please visit your nearest IBC Bank branch or visit https://www.ibc.com/international/other-services/letters-of-credit
 

Certification Status

You can find the form on this link:https://www.ibc.com/international/other-services/certification-status. Please fill out the form, sign it, and e-mail to us at IBC.Cert@ibc.com. You can also visit one of our branches and drop it off with a sales representative. To find your nearest IBC Bank branch location, please go to https://www.ibc.com/atm-branch-locator.
 

COVID-19 Questions

Yes! Our branches remain open with new operating hours. To locate your nearest branch, please use our ATM/Branch Locator: https://www.ibc.com/atm-branch-locator

Through MyIBCBank Online and our IBC Mobile App, you can deposit checks using the camera on your smartphone, *pay your bills, and transfer funds between your accounts. You can also deposit cash and checks at most of our ATMs (*Deposit limits apply. Deposits may be subject to a hold, and may not be immediately available, however, they will be processed just as those deposits conducted at any of our branches). You can view our banking demos here for more information.

*See Schedule of Fees and Services. 

We are observing social distancing guidelines which the local, state and federal government and the Centers for Disease Control and Prevention have established. Our floors are marked at six foot intervals, to point out where customers should stand as they wait their turn to approach the teller line. We have distributed an additional supply of hand sanitizers to all of our branches to mitigate the spread of germs, however, we encourage you to wash your hands before and after you visit any of our locations. We continue to ensure your access to uninterrupted banking services, either online, in person or via our motor banks for increased social distancing. Your health and wellness are our priority.

You can perform the following transactions at any of our motor banks: (1) checking/savings deposits, (2) checking/savings withdrawals, (3) check cashing, and (4) commercial change orders. To locate your nearest motor bank/drive-thru, please use our ATM/Branch locator: https://www.ibc.com/atm-branch-locator Please visit the branch lobby for transactions over $3,000. Non-customers should visit lobby to process transactions.

Yes, you can deposit cash and/or checks at most of our ATMs*. Deposits may be subject to a hold, and may not be immediately available, however, they will be processed just as those deposits conducted at any of our branches. *Deposit limits apply; see Schedule of Fees and Services. To find your nearest ATM with deposit capabilities, please use our ATM/Branch locator: https//www.ibc.com/atm-branch-locator.
To learn more about our IBC Bank Credit Card relief program, please call 855-550-9125 with any questions.
To learn more about mortgage payment relief, please email your hardship and loan number to LossMitigation@ibc.com or call 1-800-562--6408 (option 3).
You can call our branches with any questions. To locate your nearest branch, please use our ATM/Branch locator: https://www.ibc.com/atm-branch-locator