IBC Bank's Rite Checking Account is an affordable personal or family checking account ideal for account holders who have less than 50 debits per month. The account needs a $100 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 a minimum average collected balance of $3,000 or more to avoid monthly service charge or $5.95 monthly service charge if minimum balance is not maintained. The first 50 debits per cycle are free with duplicate checks required and cancelled checks are retained by IBC. The first two copies of cancelled checks per month are free.