Idaho Banking Company - The Art of Banking
home about us online banking shareholders customer testimonials personal banking business banking construction promotions locations contact us employment privacy policy

checking accountssavings and money market accountsatm & check cardsphone expressibc online banking

ibc bill paycds & irascredit cardsorder checksconsumer loans


Savings Accounts

Regular Savings

Traditional savings account available to all individuals. 
  • $50.00 minimum opening deposit
  • Free ATM card
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Direct deposit available 
  • Free online banking
  • Quarterly statements 
  • Variable interest rate; Interest accrued daily and paid quarterly
  • Monthly service charge $1.00. No monthly service charge when you maintain an  average daily balance of $100.00

Youth and Minor Savings

Savings accounts designed for individuals under 18 years of age. 

The Youth Savings account is for individuals under 18 years of age who have access to funds. Parent or guardian must sign on account.

The Minor Savings account is opened by parent or guardian for minors under 18 years of age, who do not have access to funds.

  • $25.00 minimum opening deposit
  • Free ATM card
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Direct deposit available
  • Free online banking
  • Quarterly statements
  • Variable interest rate; Interest accrued daily and paid quarterly
  • No monthly service charge; however, a $1 per-withdrawal fee is assessed after six withdrawals in one month

Money Market 

Our Money Market account is for customers with moderate balances who want liquidity and security. This account features tiered interest rates with limited check-writing and withdrawal capabilities. 

  • $1,000 minimum opening deposit
  • Free ATM card
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Direct deposit available 
  • Free online banking
  • Monthly statements that include image deposits and checks
  • Variable tiered interest rates; Interest accrued daily and paid monthly
  • Unlimited withdrawals if made in person, by messenger, by mail, or ATM
  • Transfers and withdrawals limited to six per month, of which three may be by check
  • Monthly service charge of $5.00. An additional $5.00 per withdrawal fee is assessed after six withdrawals in one month. No monthly service charge when you maintain an average daily balance of $1,000.00

Prestige Elite Savings 

Our Prestige Elite Savings account is for customers who maintain an average daily balance of $25,000 or more while taking advantage of premium interest rates. This account has limited check writing and withdrawal capabilities.

  • $25,000.00 minimum opening deposit
  • Free ATM card
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24-hour access to account information through IBC Phone Express
  • Direct deposit available
  • Free online banking
  • Monthly statements that include image deposits and checks
  • Variable tiered interest rates to reward higher balances; Interest accrued daily and paid monthly
  • Unlimited withdrawals if made in person, by messenger, by mail, or ATM
  • Transfers and withdrawals limited to six per month, of which three may be by check
  • Free Travelers Cheques, Official Checks, and Money Orders
  • Free Prestige Elite Wallet Checks
  • 50% Discount on Safe-Deposit Box Rental
  • Refund of ATM Surcharges assessed for using another financial institutionís ATM
  • Monthly service charge of $15.00. An additional $5.00 per withdrawal fee is assessed after six withdrawals in one month. No monthly service charge when you maintain an average daily balance of $25,000.00

 

FDIC insured equal housing lender