IBC Link Login – Everything You Need to Know

Last Updated on October 12, 2022 by

IBC Bank stands for International Bank of Commerce, a multi-bank financial holding company owned by International Bancshares Corporation headquartered in Laredo, Texas. They have 167 facilities and 259 ATMs serving 75 communities in Texas and Oklahoma. In this article, we will cover everything you need to know about the IBC link login portal including how to recover your IBC Bank app user ID, reset your password, information about their services, interest rates, and more.

ibc bank app logo

Website https://www.ibc.com/
Branch/ATM Locator Location
Routing Number 114902528
Swift Code IBCLUS44
Contact (956) 722-7611
IBC Bank Mobile Banking Apple’s App Store | Google Play Store

How to Login to IBC Link Login Portal

In order to access all of IBC Bank’s services, you need to login into your personal account. Follow the guidelines below.

Step 1: Go to the IBC Bank website.

Step 2: Locate the Secure Sign In box towards the top left corner of the homepage.

ibc link login

Step 3: Insert your user ID and click sign-in.

ibc bank user id

Step 4: Insert your password and click submit.

ibc bank password

Now you can successfully enjoy all the banking services IBC bank has to offer online!

How to Reset Your Password on IBC Link Login Portal

You may have problems recalling your password if you have multiple financial accounts online. You need to reset it so you can gain access to your account. To do so, follow these steps.

Step 1: Click the Forgot Your Password? button under the user ID field.

ibc bank forgot password link

Step 2: You will redirect to the user ID page. Insert your user ID and click submit.

input ibc user id for resetting password

Step 3: Then, follow the next couple of instructions carefully. Once you have done so, the bank may contact you via email or phone to reset your password.

Now, you have successfully reset your password.

How to Recover User ID on IBC Link Login Portal

Forgot User ID on IBC Bank Online Banking? Read on to discover how to recover it.

Simply call your local IBC Voice phone number and follow the prompts. Go to https://www.ibc.com/ibc-voice and locate your city’s IBC Voice line. You can contact an IBC Bank representative or visit the nearest branch. They will assist you to recover your user ID on IBC Bank.

How to Enroll on IBC Link Login Portal

If you have not already enrolled on IBC online bank follow the instructions below.

Step 1: On the homepage, locate the Sign-Up link in the secure sign-in box.

ibc sign up link on the login box

Step 2: Fill in the respective fields with your account number and account type.

ibc bank registration

Step 3: Enter several verification tokens (such as SSN, date of birth, etc.) and click Continue.

Step 4: You will be asked to obtain a Secure Access Code by displaying your profile information to be reviewed.

Step 5: Tick the Terms and Conditions after reading through them carefully.

We hope this information was helpful. If you need extra help, contact the bank customer service to assist you. Find the number of their main branches per city here.

IBC Bank Type of Services for Personal Clients

IBC Bank offers many services for your personal needs. Relationship banking is the core of its mission and values. They strive to know their customers personally so they can easily customize the best services for your daily needs.

From free checking accounts to mortgages, IBC Bank offers banking solutions that allow you to “Do More” in your life.


IBC Bank provides two types of personal checking accounts: Free Checking Account with only a $10 deposit, and Rite Checking starting with a $1000 opening deposit. There are also Regular Checking, Interest Checking, and Order Checking.


IBC Bank offers various saving accounts to meet your personal saving goals. Whether you are opening savings for a home or investing in your retirement, IBC Bank provides three types of saving accounts: Basic saving accounts with competitive interest rates, a high-yield Certificate of Deposits (CDs), and Individual Retirement Accounts (IRAs).

Bank Cards

IBC Bank Cards are made to simplify your everyday purchases. IBC has some convenient and easy-to-use bank cards that will meet your personal needs. They offer ATM Cards, Debit Cards, Cash Cards, Gift Cards, and Credit Cards.

Using bank cards can help you keep track of your spending. You can always check your balance or statements to see exactly where your money is going. IBC Bank offers cashback programs which means you can get money back on your purchases.


IBC Bank also offers personal loans that can help you meet your goal of having your dream vehicle. There are three options you can choose from: Automobile loans, motorcycle loans, and recreational vehicle loans. Besides purchasing a new vehicle, you can also save money on your current vehicle loan by refinancing at a lower rate.


If you want to buy or refinance your home, you will need an experienced mortgage professional who understands the right mortgage loan that suits your lifestyle and disposable income. IBC Mortgage will help you select the best home loan and offer competitive financing through some mortgage programs, including Purchase and Refinance, Home Improvement Loans, and Home Equity Lines of Credit.

IBC Bank also offers other banking services, including free products, insurance, investments, currency exchange, online banking, and mobile banking.

Mobile Banking Capabilities of IBC Bank 

The IBC Bank app offers convenience and security for all your financial transactions online. All of the online banking features are available on your mobile device. With it you can pay bills, transfer funds, make mobile check deposits, help you prevent fraud and set up alerts, and more.

Get it now on Apple’s App Store or Google Play Store.

Forgot user ID on the IBC bank app? Read on to learn how to retrieve it on the app.

Step 1: Open the IBC Bank app and click the More button on the login screen.

Step 2: You will be redirected to the next screen, and click on Recover Credentials.

Step 3: Click on the I Forgot My Username button.

Step 4: Insert your registered email address and click Submit.

You will receive an email with your user ID within a few minutes. If you don’t see the email in your inbox, be sure to check your spam folder. Once you have your user ID, you can log in to mobile banking and start managing your finances on the go!

Common Banking Fees and Registration Fees of IBC Bank

In this section, we will give you information about the standard banking fees that are mentioned on the IBC Bank website.


Open your Free Checking Account with only a $10 deposit and no monthly service maintenance fees. As for the Rite Checking, you need an opening deposit of $100, and there will be no service fee. You have to maintain an average collected balance of $3,000 to avoid a service charge of $7.95 per month.


Start your basic savings with a minimum deposit of $100 in your account and maintain a minimum daily balance of $500 or an average collected balance of $1,500 to avoid service charges.

The minimum amount required to open a CD is $2,500 and CD terms range from 60 days to 4 years. If the CD term is less than 90 days, the minimum deposit is $40,000.

As for IRA, the minimum deposit amount to open an account is $50.

Credit Cards

There is no annual fee for the Maximum Rewards Visa Signature Card. 0% introductory APR on purchase and balance transfers for the first 12 billing cycles after the opening account.

The Secured Card will charge a $35 annual fee. You can request your own credit limit by providing a single deposit between $300 and $5,000 when you apply.

IBC Bank’s Interest Rates

At IBC Bank, they help members earn more on savings and pay less on personal loans. You will find some of the best rates around at IBC Bank.


Account type Minimum balance
IBC Connection <$1,500 to earn variable interest rate

<$5,000 to earn tiered variable interest rate

Check ‘N Save (N.O.W.) <$1,500 to earn variable interest rate (calculated using investable balance)
Check ‘N Save Plus (Money Market) <$2,500 to earn tiered variable interest rate
IBC Elite Checking (N.O.W.) <$850 to earn variable interest rate
IBC Elite Advantage (Money Market) <5,000 to earn tiered interest rate

Saving accounts require a daily balance of $500 to obtain the disclosed Annual Percentage Yield. The interest rate is variable and interest is paid and compounded quarterly.

Credit Cards:

Maximum Rewards Visa Signature Card 0% APR for the first 12 billing cycles. After that, a variable APR between 19.49% and 24.49%
Secured Visa Card A variable 25.49% APR on purchases and balance transfers.

How to Contact IBC Bank

If you need any help, you can contact their main branches per city. See the table below:

IBC Laredo (956) 722-7611
IBC Zapata (956) 765-8361
IBC Eagle Pass (830) 773-2313
IBC San Antonio (210) 518-2500
IBC Houston (713) 526-1211
IBC Port Lavaca (361) 552-9771
IBC Austin (512) 397-4606
IBC Brownsville (956) 547-1000
IBC Corpus Christi (361) 888-4000
IBC McAllen (956) 686-0263
IBC Oklahoma (405) 841-2100

There is also IBC Voice, an automated phone banking system that allows you to easily access your account information. Click here to locate your city’s IBC Voice line.

Banks of Similar Capacity in Texas and Oklahoma

IBC Bank’s slogan “We Do More” reflects their dedication to helping and growing customers since 1966. IBC Bank offers many services, such as savings, foreign exchange (pesos and euros), lending, and many more.

For more banks of similar capacity, check out these links on our website.

Let’s look at all three in detail!

SunTrust Bank

If you are still looking around for a savings account, SunTrust Bank, now called Truist Bank, offers you only a $50 minimum deposit to be able to open an account, and it has a 00.01% APY. As for the CDs, you only need $1,000 of minimum opening deposit and a $0 monthly maintenance fee.

Bank of Oklahoma

Bank of Oklahoma also offers similar service capacities, including free checking, home loans, auto loans, savings, and IRAs. However, if you are looking for a lower APR for New and Used Auto Loans, you can find it at the Bank of Oklahoma, with APR as low as 5.74% for a 36 month term.

Ally Bank

As for Ally Bank, it offers you a higher rate for online savings accounts, than Truist and IBC do. You will earn 2.10% APY and no monthly maintenance fees or minimum balance requirements. Ally Bank’s CDs also offer 3.00% APY for 12 months with no minimum deposit to open.

In conclusion, while IBC Bank offers great rates for their business and personal clients, there are also banks of similar capacity in the region for you to get a second opinion on where to invest your wealth.

Check out these related articles on online banking login:
·       Bank of America EDD Sign In
·       BB&T Online Banking Login
·       BBVA Compass Online Banking Login
·       CEFCU Online Banking Login
·       Greekbill Online Login

Hope this article gives you some useful information. Feel free to contact us with questions you may have.