Message from our ChairmanAt IBC Bank, "We Do More" isn't just a slogan, it is something each of us wholeheartedly believes in and puts into practice every day. Because of this, you may have received a recent email or telephone call inviting you to complete a customer satisfaction questionnaire. IBC Bank has partnered with J.D. Power, a global leader in consumer insights, data, analytics and advisory services, to measure IBC Bank's customer satisfaction with the service quality.
Feedback from customers is being used to support initiatives to improve products and the customer experience at the branches and through digital banking services. We are going beyond banking, listening to you and implementing new initiatives to meet your wants and needs.
Part of our response to your feedback will be online account opening. We are striving to make our services and resources more convenient. I hope that you have had the opportunity to check out My IBC Bank Online and the IBC Bank Mobile App. These features allow IBC customers to securely access their personal and business accounts, pay bills, transfer funds and get help anytime and anywhere. You can learn more about the benefits of online banking, how to enroll, check account balances, view account activity, transfer funds, pay bills, deposit checks, set up account alerts and more by viewing our video demonstrations at IBC.com or on our YouTube channel at youtube.com/IBCBankWeDoMore.
Speaking of account balances, the holidays are almost here. Are you prepared? Americans accumulated more than $1,200 in holiday debt at the end of 2018. The average American adult already owes about $38,000 in personal debt and the holidays shouldn't contribute to that. Alleviate the stress by visiting your local IBC Bank branch to learn more about our saving, credit, budgeting, investments and more. We are here to support you on your path to financial success.
Finally, IBC Bank has been busy the last few months advocating for the passage of the United States-Mexico-Canada Agreement (USMCA). U.S. trade with Mexico and Canada reached nearly $1.4 trillion last year and supports 12 million American jobs in manufacturing, agriculture, technology and the service sector in all 50 states. The continuation of the world's largest free trade agreement is essential in an increasingly competitive global economy. Now is the time for Congress to act in the best interests of the American people. I encourage you to get involved by contacting your representative and senators and asking them to set aside politics and do something sensible: ratify USMCA, and keep the United States and its neighbors on the path to prosperity.