IBC Bank

National Bank, ibc.com

IBC Bank logo
B+ MyBankTracker
Rating
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

IBC was founded in 1966 to meet the needs of the small businesses of Laredo, Texas. Today, it serves as the flagship bank of International Bancshares Corporation. Since its opening, IBC has grown from less than $1 million in assets to over $12.4 billion making it Texas' largest holding company. IBC now serves more than 101 communities throughout Texas and Oklahoma with more than 265 branches and more than 435 ATM'S.

IBC Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) $32 $30
  • Stop Payment item $32 $27
  • Return Deposit $32 $13
  • Domestic Wire Transfer (Outbound) N/A $22
  • Domestic Wire Transfer (Inbound) N/A $10
  • Non-Bank ATM $4 $1

Locations & Hours

map of local branches and ATMs
Branches
132

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By Lkgreenhouse Jul 12, 2017

    Do NOT bank here!!!

    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.

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  •  
    Reviewed By renyap Jun 14, 2017

    Charging service fees without notification

    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.

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  •  
    Reviewed By Macbob May 26, 2017

    Poor Service

    Setup online banking and was a nightmare. Each and every time when trying to access account online, IBC blocks access and demands to verify security access code which they then call you, you have to enter 1, then write down code, go back to online account, enter code, then maybe can see/review your account. Why necessary every time even when you have a valid id and password? Called them for assistance and not much help other than say, oh, you need to register each and every device ( laptops, tablets, phones, etc) with them or you get blocked out from accessing your bank account. No other bank requires that. Even when can access account online, website is confusing. * Find another bank, any bank, just not IBC.

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  •  
    Reviewed By renyap Jun 14, 2017

    Charging service fees without notification

    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.

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  •  
    Reviewed By JonesR Feb 15, 2016

    Where is the Routing Number???

    I opened an account with this bank several months ago and today I am trying to link the account to an online pay service. However, I can't find the routing number on the bank's Web site, in my account when I login, the bank statements, nor in any of the paperwork that I received when setting up my account. It should not be this difficult to find a routing number. Maybe I should have ordered checks that I won't use in order to have the routing number handy. This is inconvenient and inefficient.

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  •  
    Reviewed By redfeather23 May 22, 2015

    Banking here is bad choice.

    Firstly, they end their banking day at 4 p.m or 5 p.m, depending on where your branch is. What does that mean? If you get off work at 4 or 5 on a Monday, and you want to deposit your check, you won't see any of that money until Wednesday, or even Thursday. Other banks end their day around 9 p.m.

    Their online banking app/website are a joke. Want to transfer money to an account that's not IBC, and you don't want to write a check? They will charge you for that. You'll receive the money in 3 days for $0.95 or in 1 business day for $1.50. I personally bank with a credit union, and that kind of thing is free.

    Lose your debit card? It's $10 for a replacement. Need a personal loan? You HAVE to take at least $2500, and you need at least half in your account (to be fair, those are the requirements for some other banks as well).

    This bank is ONLY in Texas and Oklahoma. They claim to be worth about 12.5 Billion dollars, and yet they charge outrageously for even the smallest mistake. They also pay their employees the smallest they can, all while spending outrageous amounts of money on "incentives" that are near impossible to earn and seem to only go to people in the Texas market.

    You know how you get charged for using an ATM that's not your bank's? Well, not only do you get charged that fee, IBC will charge you as well, even if you use an ATM in a state where IBC doesn't exist. No rebates either.

    If you decide to work here, think again. If you don't "preform" you could be let go. Because it only makes sense to fire a currently trained employee and spend too much money to train a new one, than to reduce the requirements.

    IBC is stuck in the past. Everything they do is on paper, their accounts are all terrible and the only one that's worth it is the Free Checking.You'll have long wait times due to bad software for the tellers.

    Just really think before you open an account here.

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  •  
    Reviewed By Keith May 9, 2013

    A hickey is not what i expected to see

    I went into my IBC branch today (the one on Crystal Falls Parkway in Leander, TX) to close my savings accounts and some other accounts. when i walked into the branch, I was greeted by a girl, who was not professional looking at all. asked what she could do for me, when i stated that i needed to close my accounts, she said sit down at the sales desk. she wasn't very friendly in her tone whats-so-ever. While waiting for her to pull my accounts up, she didn't really talk much to me at all. While handling my requests, i noticed she had a hickey on her neck and was not properly dressed at all, this includes a dress that was very obvious that she was not wearing a bra, that women need to wear. Her hair looked like it hadn't been brushed yet, she did not look like a true professional. i did not get her name, she did not have a name tag on nor a name plate like i saw the teller had. When i finished my business on the sales side, she stated to give these (the closing slips) to cody. I went up to Cody, the teller, who greeted me and talked to me about the day. He counted my funds back to me, and he was a great encounter for me. The rest of my business there was poor at best, and the only good encounter was when i had to walk to the teller to have my funds taken out of my account. i will be pulling my main checking out as well, in hopes this does not happen again. I don't feel my money is safe there knowing that they have tried contacting me about opening more accounts, doing this without my consent is not okay, and i would not trust anyone who looks into my funds without me present.

    If i could give this bank 0 ratings i would across the board, when i opened my account, the lady who opened it, didn't order the card correctly, after waiting 3 weeks with no debit card, i had to pay the $5 fee for another one, then a few weeks ago, my magnetic strip stopped working, and i had to pay another $10.00 fee for a new card. Run far away.

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  •  
    Reviewed By Desiree May 5, 2013

    Horrible

    IBC is a horrible bank to work with. I have had unauthorized transactions from February and they refuse to refund the money and the overdraft charges! I am still working on trying to get my money back and it is May. Customer service is horrible and won't do anything. The best I could do was freeze my account to stop the charges.

    For my savings I was told I only needed 100 dollars to be OK and have no fee. They lied and said 200 with a lower interest rate. I was pissed to say the least and closed the account.

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  •  
    Reviewed By Yolanda C. Jun 4, 2013

    Ibc Bank North Star Management Exels In Rudeness And Poor Customer Service!

    I utilize 3 different banks which i was hoping to consolidate all of my accounts into one bank. I am a new checking member for about 3 months. I had just signed up for a life insurance policy with ibc bank and wanted to speak to someone about the possibility of transfering my mortgage insurance and auto insurance, as well as obtaining disability insurance coverage. When i first signed up, i would go to the branch to request to speak to the branch manager. She was never in the office. I left numerous phone calls, she never returned my calls. I am in executive management and always feel more comfortable conversing with management for numerous reasons. I decided to give the sales representatives (two young ladies at the counter) a chance to answer my questions. They were both very knowledgable and friendly. Great! No problem! I opened my checking account and all was well. I called yesterday 6/3 to speak to one of the two representatives to go over some questions i had. When i asked for her, i received a very rude "she's not in"! And then hung up on me! Needless to say, after a moment of shock, i called back and asked to speak to the branch manager, who to my surprise, (was actually in the office today). She said, "this is teresa". I asked, "i need to speak to the branch manager. "she said, "you're talking to her"! I hung up. I am shocked that someone representing numerous employees would be allowed to "visit" work and be rude to customers, when there. This horrible excuse for management and a poor representative of your company, did not feel good about actually having to show up at work? Since, in about 3 months, i have never seen her in the branch. I work nearby so banking where i shop was very convenient and i would visit frequently. I am closing my account, have retracted my application & blank check for my proposed life insurance policy and will never do business with a bank that employs management that is never in the office and hangs up on customers

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  •  
    Reviewed By Lkgreenhouse Jul 12, 2017

    Do NOT bank here!!!

    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.

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  •  
    Reviewed By Bradlek_5 Jul 7, 2016

    Poor Banking Services

    IBC bank operates like no bank I have seen before - recently they made an error with my account- closed it (after they failed to credit me with a deposit that I made) - When I realized the error and brought it to their attention, I received such runaround, spoke with so many bank officials - who claimed my account would be reopened - within days - after almost 2 weeks the problem still wasn't resolved- customer service officials not knowledgeable about their own bank rules, failing to call back to follow up, and basically - treating me as if I was wrong and making me start from fresh explaining their error- really frustrating an unprofessional on their part- (do they not document things in their account /computer system)

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  •  
    Reviewed By Angryashell Jun 6, 2016

    The worst bank you can EVER bank with!!!!

    IBC went ahead and let my account be charged FOUR transactions that were not done by us!!! Not one call or e-mail was sent to us to notify us that there were transactions done in FLORIDA AND we live in TEXAS!!! We only found out because our card got declined when we tried to use it. We called to say they were not done by us while the transactions were still PENDING and two days later those transactions were completed. They couldn't even give us a temporary credit while THEY waited to complete the dispute. Our account was charged $200 that was saved towards our rent! So inconvenient for our family. If you ever want to bank with a great bank, this is not your bank!!! Run away!!!!!!!!!!!

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  •  
    Reviewed By sickofibc Mar 2, 2014

    This bank is terrible!

    Their customer service can't be trusted. They will tell you one thing and do something else. I have had this checking account for over 20 years but will be closing it soon. The most recent problem is over holds that are placed on my deposits, even my pay check, and to make matters worse they don't tell you they placed a hold on the funds. I recently deposited my paycheck and told them it was my paycheck and that it should not have a hold placed on it, I was told there was no hold placed on the deposit, 4 days later my debit card is rejected and I find out that they did indeed place a hold on it, we had to go through the weekend with no money as the branch manager told me that he would remove the hold that day (Sat.) but it never came off.

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  •  
    Reviewed By Zapata Feb 28, 2014

    The vice predsident of IBC at ZApata is a fraud!

    By many people and proof she steals from deseased bank accounts. She is not honest!!! One day she will get caught! Her best friend is a wanted fugitive from US marshal (Anabel G Garcia) look it up! There is so much proof Patricia PErez Vice-President from Ibc Roma Texas Steals from IBC and protects bad people like her best friend Anabel Grandos GArcia.

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  •  
    Reviewed By linehanpc Jan 21, 2014

    Poor

    Extreme employee turnover. Routinely walk into any IBC branch bank and you will find find 2 or more "employees" playing video games on their cellphones and only one person working. The videogamers are "in training".
    Employees are always "new" and you always appear to be their first ever customer as they are completely lost on the the simplest of transactions. Today I had a single check to deposit. No other customers in sight. 2 employees "in training" and 1 working. Took 22 minutes for that one employee to make my single deposit.

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