IBC Bank Online Banking Login

International Bank of Commerce (IBC) was established in 1966. It is owned by International Bancshares Corporation. It provides various banking solutions to both individual and commercial clients through its 215 branches.

International Bank of Commerce (IBC) is a leading banking corporation headquartered in Toledo, Texas. The bank offers a number of solutions to customers who include individuals and corporations. Customers can also perform online banking through its website and mobile applications.  The bank has received a number of awards such as the America’s 100 Most Trustworthy Financial Companies by Forbes where it appeared in the 50th position.


Step 1. The first step to access your online bank account is to go to www.ibc.com.

Step 2. After visiting the website, you should enter your account number in the space shown below.


Step 3. In the next page, you should enter your password. As always, you should always be careful with your password.


After entering the password, you will now have access to your online account.


Step 1. To recover your password, you should follow the steps in the above part.

Step 2. In the password stage, you should click the FORGOT YOUR PASSWORD link.


Step 3. In the next page, you should enter your username. This will take you to another page where you will be required to enter your new password.



Step 1. The first step to create an online account is to go to the homepage as shown in the first step above.

Step 2. In the homepage, you should go to sign up as shown below.


Step 3. This will take you to another page where you will be required to enter your Account Number and your Account Type. You should only enter the correct account type.


Step 4. After entering the information above, you will be taken to the Social Security number.

Social_SecurityIf you have the number, you should select YES which will take you to the next step.

Step 5. In this stage, enter your Social Security Number, Date of Birth, and Login ID.


You should then follow the next step to complete the registration.


The online account will give you a chance to perform a number of online banking services. Some of these include: check bank balance, funds transfer, reach customer service, and send money among others.

IBC Bank Review

International Bank of Commerce (IBC) operates as a subsidiary of Internal Bancshares Corporation. The bank is headquartered in Laredo, Texas and is one of the largest banks in Texas and ranks No. 38 in assets in the United States. However, all its states are within two states only: Oklahoma and Texas.

The bank was founded in 1966 will less than $1M in capital, but they now have assets valued a $12B.


IBC started with a strong emphasis to help small businesses to grow and still works hard towards the same objective, but it has also branched out to offer personal accounts and as well as other areas of service

Business accounts

Business checking-The bank offers a basic Great value checking account that is designed to meet the specific needs of small businesses and other organizations. A business line of credit comes with a business visa debit.

There is also an interest-bearing option for small businesses. The business checking account are mirrored by their personal account counterparts in many ways although certain details differ that make it the perfect for businesses.

Business savings-This account requires $100 deposit to open and the $3 fee can be avoided if a customer maintains a daily balance of $500 or an average collected balance of $1,500. The bank also offers an interest-bearing business savings account which works well for businesses that have very large cash flows.

Personal accounts

Personal checking-You can open a free checking account with the bank for only $50. For other checking options, a deposit of $100 is required.

IBC personal checking is accompanied by free bill pay and online banking, debit card and ATM use, access to automated voice-operated banking via the telephone and the introductory set of fifty free checks.

When you add a “Do More Package” for $5 per month, you can enjoy more benefits like accident death insurance and travel discounts.

Great Value checking is another account which requires $3,000 balance in order to avoid a fee of $7. Money market and NOW account are interest-bearing accounts. Individuals who are 50 years and above can open an Elite Checking NOW account and it has competitive interest rates.

Personal savings-Individuals who are under 18 years can open a free savings account. They can avoid a fee by maintaining a collected balance of $1,500 or a minimum daily balance of $500. The bank accepts savings accounts as collateral on loans, and there is also CD’s and IRA’s

Other services and types of accounts

IBC also offers a number of international accounts; auto, commercial, health and other varieties of insurance; home loans; and several investments accounts for businesses and individuals. Personal investments that are offered include mutual funds, stocks, annuities, bonds, and more.

The business investment options offered by the bank help to create employee benefit packages and good retirement packages such as profit sharing, Pension Plans for OK businesses,  401K’s and SEP or simple IRA’s.


  • Wide range of services to care for both individual and business needs
  • They also seem somehow stronger on business accounts and the provision of free checking is a plus for the bank
  • Another strong point is the business investment program
  • The bank provides online customer support through its website
  • The bank’s website has a user-friendly interface that enables customers to easily bank online
  • Mobile apps for Android and Apple allows customers to bank even when they are on the go
  • Fees can be waived if certain requirements are met
  • Customers can also transfer money between accounts within the bank through internet banking
  • Free online banking with bill pay


  • Only a few of the business investment programs exist in Oklahoma
  • Monthly service fee is high
  • Requirements for the monthly service fee to be waived cannot be met by many customers
  • Limited locations


IBC Bank is one of the most reliable financial institutions in Texas. With many years of experience, the company has done everything possible to make sure that customers are happy.

The banks offers individual and business banking accounts with monthly service fee which can be waived when certain requirements are met. There is also online banking which allows customers to bank from any location.