IBC Review
International Bank of Commerce provides community banking, wealth management, and trust services in Texas and Oklahoma.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | IBC Clear Checking | $5.00/month |
Savings: | IBC Community Savings | 10.00% APY |
Credit: | IBC Cash Back MasterCard | 1% cash back |
Mortgage: | 15-Year Fixed | 3.25% interest rate |
Fee Rating
3.4/5
Lower is better
FDIC Insured
Yes
Certificate: 57628
Digital Banking
3.8/5
Online & Mobile Experience
Branch Network
100
Physical Locations
Key Features
- Bi‑national services; strong local ties; bilingual support.
Bank Information
Routing Number
113017203
SWIFT Code
IBCTUS44
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-XXX-XXXX
Mon–Fri 8am–5pm CT
Headquarters
Laredo, TX, USA
Years in Business
59 years (Est. 1966)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
Session timeout
Login Instructions
Enter ID & password → complete 2FA
Login Help
Call customer service: 1-800-XXX-XXXX
Hours: Mon–Fri 8am–5pm CT
Products & Services
Accounts & Products
Checking
IBC Clear Checking
Monthly Fee
$5
Minimum Balance
$300
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$32
ATM Fee
$2.5
Savings
IBC Community Savings
APY
$10.00%
Annual Earnings
$10.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
IBC Cash Back MasterCard
Annual Fee
$0
Cash Back
$1%
APR Range
$15.99% - 25.99%
Network
$Mastercard
Mortgage
15-Year Fixed
Interest Rate
$3.25%
APR
$3.35%
Term
$15 Years
Min Down Payment
$5%
Min Loan Amount
$40,000
Max Loan Amount
$500,000
Digital Banking Experience
Mobile App Rating
Good mobile experience
Online Banking
Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with IBC?
Visit their website to explore account options and start your application