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If any of the contact information we have on file is inaccurate or out-of-date, you will not be able to proceed any further.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