IBC Bank's Regular Checking Account is a flexible checking account that provides easy access to customers' money and gives them the option of not paying a service charge if required balance is maintained. 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 the need to maintain average collected balance of $2,500 or more or a minimum daily balance of $850 to avoid monthly service charge. $8.95 monthly service charge is applicable if minimum balance is not maintained. A per debit charge is $0.21 is applicable with postage fee based on number of enclosures.