IBC Bank Reviews

iPhone no problem if you don’t need a transaction number when paying bills. iPad is a different story: bill pay launches a small window but the information inside the window is oriented for full screen viewing which means you have to navigate to see information designed to be seen without navigation. When navigating from one pay amount field to the next pay amount field the screen re-centers in the window which means you can no longer see who you are sending the money to! And when you go to the verify screen you can’t see the pay to and amount fields at the same time! Finally you can navigate to “change payee information” and enter new info but you can’t save the changes! FAIL These problems have existed for many months, support is aware but no update to remedy the problems. Bottom line: since I can’t fire the programmer I will fire the bank and take my business elsewhere

Mobile check deposit process is ridiculous, you make a deposit at the begging of a work week just to find out they put a hold and won’t clear out till the end of the week. I never had any issues when I started depositing until a couple of months ago that they started putting holds on my payroll checks. The first time they put a hold on my check I called and supposedly they put a hold on it for like a week because of the holidays which was a ridiculous answer since I deposited 2 checks at the same time but only one got cleared. When it happened again I called just so they can tell me that they put holds on checks over$200 which isn’t a good answer since they never put holds on my checks before. The bank needs a better mobile deposit process or at least train team members to stick to one story instead of making up one every time someone calls with the same issue.

App is normally very accurate. Very quick to update. One of my credit cards sometimes the payment takes too long to come out but it’s only that one so I don’t think it’s this apps fault. However. You can be completely screwed over using IBCBank. At one point I thought I had just been saving my money really well and decided I had earned the pair of boots I had been wanting. Turns out IBCBank was down all weekend and I ended up just have 7 dollars left after buying the boots. No apology no message sent out to consumers using IBCBank . Honestly the only thing that’s upset me so far and it was a big one. Couldn’t pay my phone bill.

Need to add face recognition please. Need to be able to apply for a loan from IBCBank . Complementary credit score information should be provided. Should offer cashbacks to debit card. Should have the credit card be able to see from the same account. Should be able to pay the credit card from the checking account. Should be able to chat with a representative from IBCBank . Should be able to status check of aloan from the account. Hope all this will be implemented soon. - Hem Ramachandran, happy user and IBC bank retail employee.

Good bank but IBCBank needs major updating, no push notifications, no travel set up, it’s extremely basic , you don’t even have access to your routing number or account number whenever I need it I gotta go look for my checks that I don’t use .. leaves you wanting so much more tbh
Update, I’m constantly confused because even though I don’t do much purchases my transactions get all messed up like one day I’ll get a deposit then I’ll see it added then a few hours later by total goes down or it stays up but then the deposit disappears. Or it’s there but for some reason it doesn’t show on my total. It makes me concern that I’m loosing money and I can’t even tell!!!!! I use this card mostly for savings so I don’t really touch it but I swear it concerns me

You have to request some sort of verification to be able to use the mobile deposit service, a service that is near impossible to find and I almost always forget how to get to IF I decide I’m desperate enough to use it. Did I mention it can take up to 11 days for mobile deposit to go through? I almost ALWAYS wait over a week! What’s the point of IBCBank ? It’s only function for me at this point is to check my balance. Bank apps are meant to be convenient, but there’s nothing convenient about waiting a week for your money to deposit- may as well have used the gas to drive to the bank and deposit a check there. IBCBank needs a HUGE redo before it will actually be useful- an appealing layout, easier navigation, and MUCH quicker mobile deposit.

It’s a huge pain to try and transfer money to people or another bank without having to wait several days for it to clear. And they place a hold on everything. I was on the phone with the bank and they helped me through the transfer and hung up and as soon as they did I had a notice flash up saying they had a hold on my account and to call back in. I spent over two hours dealing with this just to have the transfer show up twice on my account. I have two charges of $35 for insufficient funds that they won’t take away. It’s annoying and stressful. Now instead of having what I need I have less than half because of this. It’s ridiculous.

I have no gripes with IBCBank and it’s functionality, it’s my first ever banking app and I think it does everything it needs to do in terms of giving you information and laying the ground work for all of your purchases and accounts. I just wished the control app was embedded within the banking app to have everything uniformed and there for you in all in one app. Nevertheless it’s everything it needs to be.

I like the new look of the application and the easy way to access my account. I would love that the options to transfer and quick pays have an explanation about the operation to make sure I’m using the correct one. I want to pay my rent to a different bank and I find only the option to send check instead making a transfer, I would hope there was an easier way. I want to see my money discounted when I sent the money out and no until the check is cashed. Hope you can develop those options.

Easy to use as a guideline to what's happening in my account. The withdrawls from locations show up very quickly once I've made a purchase, but pending approval of course. Helps me to be sure I'm the only one with access to my money. And while the password check is tiresome, "Remember me" button never seems to remember, I am assured only I have access to my app too.

While IBCBank serves basic transactions, I would encourage the team to look at other apps, that provide easier maneuvering and more options online.

It would be good to have a place to see your account numbers and routing numbers. It would be great to have debit card control in IBCBank as opposed to having a second app for that. I’m coming to IBC from BBVA USA and IBCBank was very robust and professionally done. Again, the current IBC app is good for basic functionality but it could be so much nicer with a little effort. Thanks.

Chuck Salser

I’ve noticed that i check my balance and it tells me a certain amount but if i make a purchase and pay with my card it won’t deduct the money i spent. I check my transactions and several don’t appear until days later (which then the money deducts) so i spend money thinking that’s my actual balance (what it shows me) when in reality that’s the not amount i actually have. Can someone explain to me or help with this issue? Also I don’t like how IBC takes 2 days to deposit a check into my account.

The IBC app makes banking way easier with its user interface and the services it provides. Securely handles your account information and gives you access to all your financing needs. The features makes everything easier and as made my life easier by giving me access to all my banking needs straight from the convenience of IBCBank.

It’s very clean and organized. It’s clear as knowing where to go with such ease. IBCBank itself has additional perks rather then using the original website. Runs very smoothly on my phone; also works terrifically when you change tabs; especially while selecting options and other stuff on IBCBank . I like it very much and will continue to use it.

The worst! IBCBank is so frustrating! My whole reason for using IBCBank is to be able to do mobile deposits. It almost never works! Practically every time I try to deposit a check, I end up being kicked off and bounced back to my log in screen before I am able to hit “Submit Deposit”. The only time I can sometimes get it to work is if I delete IBCBank and reinstall it. Then if I am lucky, it might work for me but only once and then it stops working again. I am never able to deposit 2 checks in a row. I am so disappointed with IBC banks mobile deposit.

I have been having trouble setting up person to person transfers .I had messaged customer support and they helped and said that it should work but every time I try to set it up on my phone I keep getting the same error message it takes me to an error 411 or something like that please log in again.I have tried logging out and logging in and it still does not let me I keep getting the same error over and over again it is frustrating.I end up having to use my other bank institution and I write a check to deposit to my friend instead.

Overall this is a pretty good app but does not always send a text or an email for the two part identification and authentication. Also I wish they had the ability to upload a check using your phone to take a picture as with other banks. The thing I like about this bank is that they have branches everywhere in my area.

I really like IBC bank I like IBCBank on my phone it helps me but I still go in person to the branch the only thing I do on my phone at home is check my balance and check to see if anything has come through that I don’t remember putting down but when I go to the bridge the people are so incredibly nice I really like this bank

I have been using IBCBank for years now and I have to say that I don’t have any complaints. It never crashes, stop working, or any other annoying thing so many apps do. It actually works every time I log in. It’s extremely user friendly and has a good layout.

IBCBank gets a big fat zero from me. I always have to reset my password. As this not my primary account and I do not use it but maybe once a month or so. Without fail I have to reset my password, due to,to many attempts to login. Which usually means I have to call customer in order to take my account of hold. But guess what they don't have extended hours. Which means I have to make special effort during during regular business hours to have my account unlocked. Big problem for me as I usually reconcile my accounts and pay bills.

I have downloaded IBCBank numerous times on occasion just to look at my balance when my laptop wasn't available & didn't register my phone. The last time I downloaded I registered my phone, I can't tell you how easy & precise IBCBank is to the actual IBC website. You get all the information, notices, features & updates. Plus the site is secure & safe to use. I would recommend the IBC app to anyone who is needing to look at there banking needs when a laptop is not accessible. Thank you for a great website. dpetunia29 😎 👍

The mobile app for IBC compared to other banks mobile app is HORRIBLE. You spend the amount of money that it says you have in your bank knowing that you won’t overdraft but then the next day will come and it will say that you are negative even when you only spent enough to not go negative. IBC needs to work on making their mobile app more accurate with how much funds you have left in your bank account so this won’t happen. This is the reason why I left in the first place and went to BOA and I’m considering leaving IBC again for this reason

I’ve used IBCBank for many years and never had problems with it but when I recently got a new phone I also had to reinstall app and it freezes the majority of the times I access it! This is so inconvenient because once you log in, you can’t even use it or close it. In order to close it you have to turn off phone or access the mobile website so what’s the point of having this if it’s not convenient or easier to use. I don’t know if it’s my new phone or app?

IBCBank it’s self runs flawless but what I don’t like is they charge .50 cents to make a mobile deposit. Every bank I know doesn’t charge you to make a mobile deposit. They actually encourage you to. So they cut down on foot traffic in the branch’s to free up the cashiers time for other things. But not here. If your thinking of opening a new account you may want to try BBVA. I push all my employees there when opening new accounts.

IBCBank NEEDS an upgrade it tells you it has so many options yet I can never find one I can’t make transactions from one account to the other one it doesn’t have fingerprint it’s difficult and it takes you to other websites. I am even thinking about changing banks because every other bank has a really nice app that allows your trips to the actual bank to a minimum and has a bunch of easy to use features. Y’all need something else cause you’re falling behind IBC

IBCBank is good, but they do charge you .50 cents for a mobile deposit, which is ridiculous and then hold my paychecks for seven days. I have to call every time I mobile deposit for them to release it and they tell me if I come to the bank there will not be a hold. What is the purpose of the mobile deposit??!! No other banks hold any checks for seven days nor do they charge 50 cents per deposit. Four years of dealing with this, think I’m going to change!

Two years ago, this was never a problem. I bragged about how quickly and accurately IBC ran their app. Now it sometimes shows I’m OVERDRAWN. That’s not even supposed to be allowed to happen?! IBCBank shows it happens constantly when it’s only truly been overdrawn twice in the last five years I’ve had my account. Not to pull a Karen but with the holidays approaching I don’t have time to question whether IBC has their crap together this week. I’m sincerely considering closing my account. It angers me and disgusts me that much.

My husband and I recently opened a checking and saving account. We had Andrea Lomax help us with our needs regarding investments as well. She is gifted with a human element, expertise and knowledgeable with banking services. When we go to the bank she remembers us by our names. Andrea is a tremendous asset to your organization.

Respectfully,

M. L. Ybarra

IBCBank is very accesible and easy to use. You don’t need to be too savvy to use it. Moreover, IBCBank doesn’t easily allows someone else to access to your account. It’s a lot of steps to gain the access back when you lost the username/password, specially when you are in a hurry. However, I feel protected the way it should be.