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  • IBC Bank Personal Checking

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 N.O.W. and money market accounts

Personal Checking Accounts

IBC Bank provides a complete line of personal checking accounts. You can open a FREE checking account for only $10 and all other checking accounts with $100. All IBC Bank Personal Checking Accounts include IBC Bank Online with Bill Pay, FREE IBC Voice, and IBC Bank Instant Issue Visa Debit Card. IBC Bank offers a line of personal checking accounts that give you freedom and flexibility. Control your finances, your fees, and your interest rates. Watch your money grow with interest-bearing accounts with competitive rates.

IBC Bank offers 257 ATM locations in Texas and Oklahoma.


Choosing the Right Checking Account

Free Checking Account

Our most basic personal checking account that is free of service charge with unlimited check writing, IBC Visa debit card, and no minimum balance. 
  • Unlimited transactions and check writing
  • No monthly service maintenance fees regardless of your balance
  • Free first order of 40 checks
  • Free Visa debit card at account opening for immediate debit card transactions and purchases
  • Direct deposits and mobile deposits
IBC Bank Free Checking Account

Rite Checking

This affordable personal or family checking account is ideal for account holders who have less than 50 debits per month. It's easy to get started with a $100 opening deposit. And if you keep your minimum balance there are no service fees
  • No service charge if required balance is maintained
  • Get started with only $100 opening deposit for Rite Checking
  • IBC Bank Instant Issue Visa Debit Card
IBC Bank Rite Checking

Regular Checking

This flexible checking account provides easy access to your money and gives you the freedom to perform transactions at no additional cost. This personal checking account offers a free Visa debit card and waived monthly service fees if a minimum balance is maintained.
  • FREE IBC Bank Visa Debit Card with unlimited transactions
  • Unlimited check writing
  • Free imaged statement
  • No service charges with a daily balance of $850 or more
  • Mobile deposits
  • Various transactions with no additional fees
IBC Bank Regular Checking

Interest Checking

IBC Bank offers several interest-bearing checking accounts including IBC Connection, Check 'N Save Negotiable Order of Withdrawal (N.O.W.), IBC Elite Checking N.O.W., Check ‘N Save Plus (Money Market Account), and IBC Elite Advantage (Money Market Account). Earn interest with competitive rates and take advantage of bonus rates on CDs.
  • Competitive interest rate on accounts with higher balances
  • No service charge when minimum balance is maintained
  • Money market accounts with variable interest rates
  • Added benefits for those 50 years of age and older
  • Maximize return on investment with bonus rates on CDs
IBC Bank Interest Checking

Order Checks

Order Checks For Your Personal Account

Running low on checks? Easily order checks online in minutes.
IBC Bank Order Checks