IBC Bank's Check 'N Save (NOW) is a competitive interest bearing account for those who maintain higher balances and have limited check writing needs and no monthly service charges if required balance is maintained. Customers can earn interest when balance requirements are met. Free benefits include IBC visa check card, IBC bank online with pay and IBC voice. Overdraft courtesy is also available. Account requirements and service fees include an average collected balance of $3,000 or more or a minimum daily balance of $1,500 to avoid monthly service charge. The account also requires a daily collected balance of $1,500 or a $3,000 average investable balance to earn interest. A $10.95 monthly service charge is applicable if balance requirements are not met. A per debit charge is $0.25 is applicable with postage fee based on number of enclosures.