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Enhanced Security Program - IBC Bank

Enhanced Security Program

The increased use of online banking and financial services and the surge of identity theft have prompted Federal regulators to mandate security enhancements for internet-based financial services for all financial institutions. We want to keep your information safe and secure, so these security enhancements continue to be a top priority for us. These changes are designed to validate authorized users for your account and thus help provide even greater security for your financial information. For Internet-based financial products and services, single-factor authentication - such as User ID and Password provided at login - may be insufficient as the only validation for identity. Therefore, we will begin asking for additional information to be used intermittently when you log on to your account.


In keeping with the Federal regulator’s mandate, we will request additional information which will be stored in IBC Bank Online for future use in helping to confirm your identity. Beginning soon, after you log in to IBC Bank Online using your usual User ID and Password, you will be greeted with a new security page. This page will prompt you to select and provide answers to several security questions.
The information collected may be used as a second level of identification during the IBC Bank Online login process at any time.
No. At times, we may prompt for this information as an additional layer of security if your IBC Bank Online session meets a pre-defined set of criteria.
In the event that you are prompted to answer your security questions and you do not remember your answers, you should contact Online Banking Support during normal business hours. You can call your local IBC Voice and choose the option to speak to an Online Support representative during normal business hours. (Monday-Friday, 8:30 am – 5:30pm CST, and Saturday 9:00am – 1:00pm CST.)
Only one set of answers is allowed for each User ID. Customers who have answered security questions will also need to ensure that they provide the information to all of the users they have authorized to access the account through IBC Bank Online.
In order to insure the success of the additional security measures, you are not allowed to skip the security question page. You will be required to answer the security questions before you will be allowed login to IBC Bank Online.
You may contact us at during normal business hours by calling your local IBC Voice and choosing the option to speak to an Online Support Representative during normal business hours. (Monday-Friday, 8:30 am – 5:30pm CST, and Saturday 9:00am – 1:00pm CST.)