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FAQ

Checking and Savings

We are not currently able to open personal accounts online. However, we are glad to help you at any of our branches. To find your nearest IBC Bank branch, go to https://www.ibc.com/atm-branch-locator
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 find out if 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.
 

Free Products

Free Checking accounts provide the following features: $10 opening deposit, unlimited transactions and no service charge, free IBC Bank instant issue Visa debit card, free IBC voice, and online banking.
IBC Voice is an automated phone banking system that allows you to confidentially and easily access your IBC Bank account information. Just dial the automated IBC Voice line and enter your IBC Voice Personal Identification Number (PIN) to access your account easily, conveniently and securely.
 

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 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 number:
Domestic Personal 1-866-902-5860)
The debit card replacement fee is $10.
You receive an IBC Bank Instant Issue Visa Debit Card at account opening.
Yes. However, you will need to notify your local branch of your travel plans in advance so that you don't experience any disruption with the use of your card.
To apply for a credit card, you will need a government issued personal identification form (i.e. passport, driver's license, etc.) and a Social Security Number. If you are declined, you will still have the option to apply for a secured credit card in order to rebuild your credit or start a credit history. Please visit https://www.ibc.com/personal/bank-cards/ibc-credit-cards to learn about the various types of credit cards IBC bank offers and to apply for the card that best suits your needs.
Yes. Please contact your local branch to add an authorized user.
You should receive your credit card within 7-10 business days after the application is approved.
Yes, but you will need to contact the First National Bank of Omaha (FNBO) prior to traveling overseas. You can contact them at 1-800-642-0014.
 

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.
First, log in to your Online Banking account. Click on Settings in your menu bar, then click on "Text Enrollment". Verify the mobile number is accurate. Review the Terms and Conditions and Privacy Policy. Then you will have to activate the enable and authorize on the mobile device button. Once you complete these steps, you will receive a notification of your success.
You can use any of the following commands with Text Banking:
  • Text LIST to 226563 to receive a list of all text banking commands
  • Text BAL to 226563 to receive account balance
  • Text XFER to 226563 to transfer amount from account 1 to account 2
  • Text HIST to 226563 to receive account history (by account nickname)
  • Text HELP to 226563 for information about text banking and contact information
  • Text STOP to 226563 to Stop all text messages to the mobile device
Yes. First, log in to your Online Banking account. Click on Settings in your menu bar, then click on "Profile". You can update your Primary and Secondary phone numbers here. To update your phone number for Text Banking, select Text Enrollment and enter your new cell phone number in the SMS Text Number field. Check the box to Agree to Terms and Conditions, then click Save. To receive your Secure Access Code to your new cell phone number, click on Security Preferences. Select Secure Delivery and you will be able to add/remove phone numbers.
Text Banking will work with any phone that accepts SMS text & short code messages. Data and message rates may apply.
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.
Depositing checks is free using our app!
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 a 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.
 

Lending

Please visit your local branch to obtain a loan application. To find your nearest IBC Bank branch location, please go to https://www.ibc.com/atm-branch-locator.
Yes. Our minimum loan amount is $2,500. For more information, please visit your local branch to obtain a loan application. To find your nearest IBC Bank branch location, please go to https://www.ibc.com/atm-branch-locator.
IBC Bank can lend up to 100% of the National Automobile Dealers Association (NADA) retail, trade or loan value depending on the vehicle year model. To find your nearest IBC Bank branch location to apply for a loan, please go to https://www.ibc.com/atm-branch-locator.
Many factors are considered when determining the payment including length of loan, interest rate, and your credit score. An IBC Bank representative will be able to assist you at any of our branches. Use of personal loan calculator to estimate your loan: https://www.ibc.com/personal/lending/personal-loan-calculator
 

Insurance

Yes. For information about any of IBC Insurance Agency's products, please contact us at https://www.ibc.com/personal/insurance/contact-us and we will get back to you with responses to your inquiries.
Yes. All of our policies and services are available to the general public. We do encourage our clients to take advantage of all of IBC Bank’s available products and services.
Independent agents represent a number of different insurance companies/carriers and are not required to sell a particular product or service over others. This gives us the flexibility and independence to find the best product at the best price for you.
 
There are a number of advantages in dealing with an independent agency:
  • IBC Insurance agents will work with you to create a customized insurance program to protect your home, family and business
  • Our agents can save you time and money by shopping multiple carriers to find the best coverage and value available
  • All of your policies (home, auto, life, group health, business, etc.) can be serviced within our agency, providing a single contact for your insurance needs
  • We are able to move your policies to different carriers/companies as your insurance needs change or premiums increase, while still providing the consistent service and support you deserve
Generally speaking, insurance companies should provide the same pricing whether you go to them directly or through an independent agent. However, going through an independent agent has the added benefit of having a knowledgeable person in your corner who can help you choose the coverage that fits your needs as well as negotiate with the carrier to get the best value. Additionally, if the carrier raises premiums or decides not to renew your policy, you already have someone that is a familiar with your needs to find a replacement carrier, without having to start the process over with someone new.
While our main office is located in San Antonio, we also have agents in several other IBC Bank branches all over Texas, ready to talk to you on the phone or in person. You can call us at 1-800-443-3852 or fill out a request form on our website (https://www.ibc.com/personal/insurance/contact-us) to have one of our knowledgeable agents assist you.
The term “bundling” is widely used to refer to buying your home and auto insurance with the same carrier to save money, although most companies/carriers provide discounts for purchasing multiple policies for your home or business. However, bundling only really saves you money overall if all the policies are competitively priced. While there are many advantages to having multiple policies with the same carrier, sometimes it is necessary to have multiple carriers to get the best coverage at the best price.
This is a very common saying in the insurance world. Consumers want to be able to compare the quotes they receive and make an informed choice to protect their home, family, and business. Unfortunately, a direct comparison is rarely possible because most carriers have their own coverage forms, exclusions and options. For this reason, we highly recommend that you work with a knowledgeable agent who can assist in comparing quotes so you can make an informed choice to meet your needs.
The biggest thing to know when going to the internet to buy insurance is that, for the most part, when you fill out an application online, you are not able to buy a policy immediately. Usually this form is sent to multiple agencies, who will call or e-mail you to finish the quoting process. For home and auto policies, the necessary driver and claim history reports are not run until they verify the information with you. Business insurance requests usually require even more information to get a final quote. It is likely you will go through the same time and effort online as you would working with an independent agent, but without the advantages. For advantages of working with an independent agent, see the question above in the FAQs section.
Yes. IBC Insurance Agency is able to provide policies for all of your insurance needs with our extensive network of carriers and insurance companies. You can click HERE for a list of some of the policies we are able to provide. Please contact us for a complimentary consultation to help choose the policies that are right for you.
While all of our products are available in Texas, IBC Insurance Agency is also licensed in multiple states to meet your insurance needs. Please contact us online at https://www.ibc.com/personal/insurance/contact-us or by phone at 1-800-443-3852 to discuss your specific situation.
IBC Bank is a community bank, and IBC Insurance is a community agency. We can provide customized solutions for all of your insurance needs while providing the high level of customer service you deserve. Our access to numerous insurance companies gives us the flexibility to serve any size client. Become part of the IBC Insurance family today.
 

Mortgage

IBC Mortgage makes the home loan process simple with our resources and loan calculators that help you determine how much you can afford by calculating monthly payments. We offer competitive financing through a variety of mortgage programs.
 

Investments

IBC Investment Services is your local and trustworthy source for a variety of investment products. We believe that the key to successful investing is a function of time, having a portfolio diversified across different asset classes, and recognizing the interrelationships between investment goals, insurance needs and appropriate tax strategies.
Our investment professionals' background can be reviewed on FINRA's BrokerCheck: http://brokercheck.finra.org.
If you have any questions regarding our investments products, please go to https://www.ibc.com/personal/investments/contact-us.
As you begin to plan for retirement, there are numerous factors to consider, such as how much you will need to save, the type of retirement plan that is best suited to your particular situation, and the appropriate investment vehicles that will help you work toward achieving your goal of a comfortable retirement. For detailed information, please visit https://www.ibc.com/personal/investments/contact-us.
We can help you establish a tax-deferred plan such as an Education IRA or a 529 Plan that is funded with after tax-dollars but generates earnings that grow tax-deferred. Distributions may be tax-free when used to pay for college expenses.
Yes, to get more detailed information from IBC Investment Services, please contact us at https://www.ibc.com/personal/investments/contact-us.
Please contact one of our financial advisors who can help guide you through the process. https://www.ibc.com/personal/investments/contact-us.
 

Overdraft Courtesy

IBC Overdraft Courtesy® is a discretionary service that comes with some accounts for U.S. customers. Your account must be open for 30 days and be in good standing to be eligible for the Overdraft Courtesy® program. To learn more, visit: https://www.ibc.com/personal/other-services/overdraft-courtesy