Easy, efficient and fun
I like the new look of the application and the easy way to access my account. I would love that the options to transfer and quick pays have an explanation about the operation to make sure I’m using the correct one. I want to pay my rent to a different bank and I find only the option to send check instead making a transfer, I would hope there was an easier way. I want to see my money discounted when I sent the money out and no until the check is cashed. Hope you can develop those options.
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Mobile Deposit is a nightmare!
The worst! This app is so frustrating! My whole reason for using the app is to be able to do mobile deposits. It almost never works! Practically every time I try to deposit a check, I end up being kicked off and bounced back to my log in screen before I am able to hit “Submit Deposit”. The only time I can sometimes get it to work is if I delete the app and reinstall it. Then if I am lucky, it might work for me but only once and then it stops working again. I am never able to deposit 2 checks in a row. I am so disappointed with IBC banks mobile deposit.
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Very Impressed
It’s very clean and organized. It’s clear as knowing where to go with such ease. The app itself has additional perks rather then using the original website. Runs very smoothly on my phone; also works terrifically when you change tabs; especially while selecting options and other stuff on the app. I like it very much and will continue to use it.
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Great generic app
Need to add face recognition please. Need to be able to apply for a loan from the app. Complementary credit score information should be provided. Should offer cashbacks to debit card. Should have the credit card be able to see from the same account. Should be able to pay the credit card from the checking account. Should be able to chat with a representative from the app. Should be able to status check of aloan from the account. Hope all this will be implemented soon. - Hem Ramachandran, happy user and IBC bank retail employee.
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Horrible judgment of actual funds
The mobile app for IBC compared to other banks mobile app is HORRIBLE. You spend the amount of money that it says you have in your bank knowing that you won’t overdraft but then the next day will come and it will say that you are negative even when you only spent enough to not go negative. IBC needs to work on making their mobile app more accurate with how much funds you have left in your bank account so this won’t happen. This is the reason why I left in the first place and went to BOA and I’m considering leaving IBC again for this reason
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App is good
The app is good, but they do charge you .50 cents for a mobile deposit, which is ridiculous and then hold my paychecks for seven days. I have to call every time I mobile deposit for them to release it and they tell me if I come to the bank there will not be a hold. What is the purpose of the mobile deposit??!! No other banks hold any checks for seven days nor do they charge 50 cents per deposit. Four years of dealing with this, think I’m going to change!
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Mobile Deposit Charge
The app it’s self runs flawless but what I don’t like is they charge .50 cents to make a mobile deposit. Every bank I know doesn’t charge you to make a mobile deposit. They actually encourage you to. So they cut down on foot traffic in the branch’s to free up the cashiers time for other things. But not here. If your thinking of opening a new account you may want to try BBVA. I push all my employees there when opening new accounts.
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Mobile deposit issue
Mobile check deposit process is ridiculous, you make a deposit at the begging of a work week just to find out they put a hold and won’t clear out till the end of the week. I never had any issues when I started depositing until a couple of months ago that they started putting holds on my payroll checks. The first time they put a hold on my check I called and supposedly they put a hold on it for like a week because of the holidays which was a ridiculous answer since I deposited 2 checks at the same time but only one got cleared. When it happened again I called just so they can tell me that they put holds on checks over$200 which isn’t a good answer since they never put holds on my checks before. The bank needs a better mobile deposit process or at least train team members to stick to one story instead of making up one every time someone calls with the same issue.
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Frustrating!
You have to request some sort of verification to be able to use the mobile deposit service, a service that is near impossible to find and I almost always forget how to get to IF I decide I’m desperate enough to use it. Did I mention it can take up to 11 days for mobile deposit to go through? I almost ALWAYS wait over a week! What’s the point of the app? It’s only function for me at this point is to check my balance. Bank apps are meant to be convenient, but there’s nothing convenient about waiting a week for your money to deposit- may as well have used the gas to drive to the bank and deposit a check there. This app needs a HUGE redo before it will actually be useful- an appealing layout, easier navigation, and MUCH quicker mobile deposit.
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Upgrade needed
This app NEEDS an upgrade it tells you it has so many options yet I can never find one I can’t make transactions from one account to the other one it doesn’t have fingerprint it’s difficult and it takes you to other websites. I am even thinking about changing banks because every other bank has a really nice app that allows your trips to the actual bank to a minimum and has a bunch of easy to use features. Y’all need something else cause you’re falling behind IBC
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