Personal Accounts
Personal Accounts:
| Account Features |
Premier |
Rewards |
Freedom |
Prestige Club |
Health Savings |
Money Market |
Savings |
Christmas/Vacation Club |
| Free Online Banking & Bill Pay |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Free Personal Checks
|
No |
No |
No |
Yes |
No |
N/A |
N/A |
N/A |
|
Cell Phone Protection
1,
2
|
Yes |
Yes |
No |
No |
No |
No |
No |
No |
| Roadside Assistance |
Yes |
Yes |
No |
No |
No |
No |
No |
No |
|
Personal Identity Theft Protection
1,
2
|
$2,500 |
$2,500 |
No |
No |
No |
No |
No |
No |
|
$10,000 Travel Accidental Death Insurance
2
|
Yes |
Yes |
No |
No |
No |
No |
No |
No |
|
Identity Restoration and Payment Card
Fraud Resolution
|
Yes |
Yes |
No |
No |
No |
No |
No |
No |
|
Additional Benefits: Savings on Travel,
Entertainment, Dining, Prescriptions, Groceries,
Clothing & More
|
Yes |
Yes |
No |
No |
No |
No |
No |
No |
| Statement Options - Paper or Electronic |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
| Unlimited Checking |
Yes |
Yes |
Yes |
Yes |
No |
No |
No |
No |
| Service Charge |
$7 monthly |
$6 monthly |
$3 monthly |
None |
None |
None |
None |
None |
| Service Charge Waiver |
Waived with $4,000 minimum balance.
$5 with e-statements
|
Waived with $2,000 minimum balance.
$4 with e-statements
|
Waived with e-statements
|
Customers 55 & Over |
N/A |
N/A |
N/A |
N/A |
| Earns Interest |
Yes |
No |
No |
No |
Yes |
Yes |
Yes |
Yes |
|
Learn More
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Learn More
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Business
Business Accounts:
Our community businesses are vital to our trade area,
which is why we aim to keep your business account
operating at a high level and give you one less thing
to worry about.
Features:
| Type of Account |
1Minimum to Open
|
Monthly Service Charge |
2Earns Interest
|
APR |
3APY
|
Limit on Withdrawals |
| Commercial Checking |
$50 |
$3.00 Waived with e-statements signup
|
|
|
|
Unlimited |
| Commercial Money Market Savings |
$50 |
No
|
Yes |
.25% |
.25% |
|
| Commercial Savings |
$50 |
No |
Yes |
.40% |
.40% |
|
ALL OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
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Investments
Investments:
Let us help you with one of our investment accounts that are set up to
help prepare for the future and grow investments in a safe and steady environment.
Features:
| Type of Account |
Minimum to Open |
No Monthly Service Charge |
Earns Interest |
No Limits on Withdrawals |
| Individual Retirement Account (IRA) |
$500 |
|
|
|
| Certificate of Deposit (CD) |
$500 |
|
|
|
We offer a variety of terms from 6 months on up to 60 months for our IRA and CD accounts.
| Type of CD |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
| 6 Month CD |
1.75% |
1.76% |
| 12 Month CD |
2.00% |
2.02% |
| 18 Month CD |
2.25% |
2.27% |
| *24 Month CD (ADD-ON) |
2.45% |
2.48% |
| 30 Month CD (BUMP-UP 1 TIME) |
1.15% |
1.16% |
| 36 Month CD |
1.20% |
1.21% |
| 48 Month CD |
1.25% |
1.26% |
| 60 Month CD |
1.30% |
1.31% |
* Additional deposits to the 24 month (add-on) can't exceed the original deposit of the certificate.
| Type of IRA |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
| 6 Month IRA |
1.75% |
1.76% |
| 12 Month IRA |
2.00% |
2.02% |
| 18 Month IRA* |
2.25% |
2.27% |
| 24 Month IRA |
2.45% |
2.48% |
| 30 Month IRA |
1.15% |
1.16% |
| 36 Month IRA |
1.20% |
1.21% |
| 48 Month IRA |
1.25% |
1.26% |
| 60 Month IRA |
1.30% |
1.31% |
* This is a variable rate IRA and the interest rate may change after the account opens.
Looking for a secure investment opportunity with a guaranteed return on your money? Let IFB help you set up the investment account that is right for you.
Certificate of Deposits
We offer Certificate of Deposits from terms 6 months to 60 months. You can deposit your money for a specific period of time knowing your money is safely earning interest for you. You can choose various terms and rates, as well as a Certificate of Deposit that allows you to make deposits into the certificate on a regular basis. We offer competitive rates with various terms to suit your needs. The rate and term selected by our customers is guaranteed for the life of the certificate.
Individual Retirement Accounts (IRA)
Choosing the right retirement account to meet your needs is important. From 6 months to 60 months, IFB offers IRA Certificate of Deposits with various terms and rates to meet your needs. Invest in your future by selecting a secure investment account tailored to your individual retirement needs.
ALL OFFERING RATES SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
Interest compounding varies with account type. Annual Percentage Yield assumes reinvestment
of principal and interest at the same rate. All offering rates subject
to change
at any time without notice. Early withdrawal penalty may apply.
Fees can reduce earnings on the account.
Products
Products and Services:
To meet you where your needs are, we offer a variety of products and
services here at IFB. If you would like more information,
please contact us directly.
Features:
| Safety Deposit Boxes |
Mobile Deposit
Guidelines for enrollment
- >End user must be 18 years of age or older.
- >Account holder must have an established relationship with the bank and be in good standing for a minimum of 60 days.
- >Accounts of end user must not have been overdrawn excessively in the past month.
- >All loans for the end user with IFB must not be currently past due 15 days or more.
- >End user must not have declared bankruptcy in the last 7 years. *As part of the pre-enrollment process for Mobile Deposit,
IFB may pull a credit report to determine the applicant's eligibility
- >Check CaseNet for any fraudulent charges in the past.
- >See current loan officer or senior officer for further clarication.
|
|
|
Internet Banking |
| Kroll ID Theft Smart |
Online Bill Pay |
| Public Notary |
Electronic Statements |
| Fax and/or Copy Documents |
Mobile Banking App
Download the app now!
|
| Debit/ATM Card |
Wire Transfers |
| Coin Exchange |
Cashier's Checks/Money Orders |
Downloadable Applications:
Products and Services:
To meet you where your needs are, we offer a variety of products and
services here at IFB. If you would like more information,
please contact us directly.
Internet Banking
Guidelines for enrollment
- End user must be 18 years of age or older.
- Account holder must have an established relationship with the bank and be in good standing for a minimum of 60 days.
- Accounts of end user must not have been overdrawn excessively in the past month.
- All loans for the end user with IFB must not be currently past due 15 days or more.
- End user must not have declared bankruptcy in the last 7 years. *As part of the pre-enrollment process for Mobile Deposit,
IFB may pull a credit report to determine the applicant's eligibility
- Check CaseNet for any fraudulent charges in the past.
- See current loan officer or senior officer for further clarication.
Visa Credit Card
Manage Your Credit Card Online!
Manage your card account online. It's FREE! It's Easy! Simply go to
mycardstatement.com
and enroll in our online service. You can review account information, track spending, set alert notifications,
download files, and much more. Managing your account is fast, secure and easy at mycardstatement.com. Enroll Today!
|
Internet Banking |
| Kroll ID Theft Smart |
Online Bill Pay |
| Public Notary |
Electronic Statements |
| Fax and/or Copy Documents |
Mobile Banking App
Download the app now!
The following link is only there for your benefit we are not responsible.
|
| Debit/ATM Card |
Wire Transfers |
| Coin Exchange |
Cashier's Checks/Money Orders |
Downloadable Applications:
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