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I opted out of overdraft protection and while on vacation in Florida, someone used my card in Texas and made 3 $100 purchases at a corner store. Mind you I didn't have that amount of money in my account so the transactions should have declined. I called to file a claim and was told it takes 10 business days for me to receive a credit. The agent was very rude and inconsiderate. I also have to go into the bank to get my card replaced and there are no banks close to me. I will be canceling this account as soon as I receive my money.

IBC has a practice that should be changed. We had two checking accounts established in the early eightys which had become dormant. We stopped getting statements in January 2016. Since my wife and I both open mail and the accounts were both dormant, neither of us noticed the statements had stopped. In January 2017 we received a final statement on each account showing a monthly $5.00 service charge. The service charges started in January 2016 on one account and in July 2016 on the other. The monthly fees continued until the account balances were zero. Upon receiving the final statements in 2017, I contacted the bank where we did business. To make a long story short I had twelve conversations with numerous employees about reimbursements for all or some of the money. Our complaint went all the way to Bob Shepherd, the manager of the Oklahoma IBC banks. He declined to do anything. I have no problem with IBC charging a service charge on dormant accounts. What irritates me is after all the years of no charges they suddenly start them and purposely kept it from us by stopping the statements. I'm sure this may have happened to hundreds of other account holders.