IBC Bank's Free Checking Account is their most basic personal checking account that is free of a service charge with unlimited check writing and no minimum balance required. The bank provides a free Introductory order of 50 checks with a $50 opening deposit. 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 cancelled checks retained at IBC, duplicate checks required, first two copies of cancelled checks per month are free with in person and telephone balance inquiries without a transaction at $5 each.