Checking Accounts

Picking Your Perfect Checking Account

We offer a basic personal checking account that is free of charge, which includes unlimited check writing and no minimum balance required. You can easily get started with a $10 opening deposit!
- Unlimited Transactions
  
  Unlimited transactions and check writing
- No Hidden Fees
  
  No monthly service maintenance fees, regardless of your balance
- Free Checks Offer
  
  We offer for free the first order of 40 checks.
- Instant Visa® Debit
  
  Free Visa® debit card at account opening for immediate transactions and purchases
- Easy Deposits
  
  Direct and mobile deposits at your fingertips
Learn More Learn More For Free Checking Account
Ideal for those with fewer monthly debits. The Rite Checking account is both affordable and straightforward. Begin with a $100 deposit and avoid service fees by maintaining your minimum balance.
- Balance Benefits
  
  No service charge if the required minimum balance is maintained
- Easy Start
  
  Get started with only $100 opening deposit for Rite Checking
- Instant Visa® Debit
  
  IBC Bank Instant Issue Visa® Debit Card
Learn More Learn More For Rite Checking
The Regular Checking account offers flexibility and easy access to your funds. It's the popular checking account choice with a free Visa® debit card and no monthly fees when a minimum balance is maintained.
- Free Visa® Debit
  
  FREE IBC Bank Visa® Debit Card with unlimited transactions
- Unlimited Checks
  
  Unlimited check writing
- Clear Statements
  
  Free imaged statement
- No Hidden Charges
  
  No service charges with a daily balance of $850 or more
- Mobile Convenience
  
  Mobile deposits
- Fee-Free Transactions
  
  Various transactions with no additional fees
Learn More Learn More For Regular Checking
Earn more with our interest-bearing checking accounts. From IBC Connection to Elite Advantage, enjoy competitive rates on checking transactions and bonus rates on CDs.
- High Balance Benefits
  
  Competitive interest rate on accounts with higher balances
- No Hidden Fees
  
  No service charge when minimum balance is maintained
- Variable Interest Rates
  
  Money market accounts with variable interest rates
- Senior Benefits
  
  Added benefits for those 50 years of age and older
- Maximized Returns
  
  Maximize return on investment with bonus rates on CDs
Learn More Learn More For Interest Checking

Free Checking Account

Experience the convenience of a personal checking account without any service charges and no minimum balance requirements.

Free IBC Voice

Access your account details, make transactions, and get support anytime with our free IBC Voice service.

Bill Pay

Simplify your payments with our easy-to-use Bill Pay feature. Schedule, track, and manage your bills efficiently.

Instant Debit

Get an Instant-issue Visa® Debit Card with your account, enabling immediate transactions and purchases.

Quick Check Orders

Running low on checks? Easily order checks online in minutes.

Order More Checks Today

Why Choose IBC?

The right checking account gives you the freedom and flexibility you need.

Free Checking account with no monthly service charge
Low minimum opening deposits
Easy mobile banking and online transactions
Competitive interest-bearing negotiable order of withdrawal (N.O.W.) and money market accounts
Dedicated customer support for all your queries

Online Checking Account Services

Mobile Banking App

Manage your finances on-the-go

IBC Mobile Banking App

Access your accounts, make transfers, pay bills, and more, all from the convenience of your mobile device.

IBC Card Control

Total control over your cards

IBC Card Control

Safeguard your cards with real-time alerts and controls. Temporarily lock or unlock your card, set spending limits, and more.

Mobile Payments

Seamless and secure transactions

IBC Mobile Payments

Experience seamless transactions with IBC Mobile Payments. Pay in-store, online, or in-app with just a tap using your mobile device.

How-to Videos

Step-by-step banking guides

How-to Videos

Navigate your banking needs effortlessly with our step-by-step video guides. From account setup to advanced features, we've got you covered.

Learn More

Personal Checking Account Options

Personal IBC Connection Account

Interest-bearing accounts that leverage combined balances, offering bonus rates on CDs and premium features.

Learn More

Personal Check ‘N Save (N.O.W.)

A competitive interest-bearing account.

Learn More

Personal IBC Elite Checking (N.O.W.)

An interest-bearing account with premium benefits for those aged 50 and above.

Learn More

Check ‘N Save Plus (Money Market)

A money market account that offers competitive interest rates and easy access to your funds.

Learn More

Personal IBC Elite Advantage

A premium checking account designed to offer our esteemed customers the best interest rates and benefits.

Learn More