Does IBC Bank Have Zelle [Answered -Workaround]

If you use IBC bank and are curious to know if IBC Bank has the instant transfer service option of Zelle, you are on the right post to get the complete answer.

This is possible, although not a straightforward process. IBC does not give you the option to use Zelle directly within its own app, but there is still a way around it to send and accept Zelle payments using your IBC bank account.

In a nutshell, you will have to download the Zelle App and add your IBC debit card to be able to use the Zelle option with your IBC account.

This guide will walk you through all the details to get this done.

For context, IBC is an FDIC-insured bank, founded in 1966, with its headquarters in Texas, particularly to cater to the needs of small businesses. It has a decent network of more than 167 branches spread across cities like San Antonio, Corpus Christi, McAllen, Oklahoma City, Tulsa, Lawton, Austin, Brownsville, Zapata, and Dallas.

Zelle comes in handy to transfer or receive money from another bank. It allows you to instantly send and receive funds between two US bank accounts, without fees. It works by registering or linking your email id or US phone number with your bank account. These details are then used to send and receive money.

Most banks that are a part of the Zelle network offer the service as an option built into their own mobile bank apps. So when you have to use Zelle, you just go to the transfer with Zelle option on your own banking app.

However, this is not the case with IBC Bank.

Does IBC Bank Use Zelle

IBC bank does not have Zelle as an option within its mobile and does not appear on the official list of banks that are part of Zelle Network.

But that is not the end of the road. You can still use the indirect route to use Zelle with an IBC bank account. To have a wider accessibility of its services, Zelle gives you an out-of-the-box option to download the Zelle app and enroll in Zelle by linking your bank debit card.

This option gives you the ability to use their service even for those banks which are not a part of the network. This service actually works using the debit card network MasterCard or Visa rails to complete the transfer.

A point to highlight here if you go through the Zelle FAQ is that this option may not work if you have an IBC business account and may only work for a personal checking account. But you can still take a stab first to confirm.

Also, the Zelle app does not have great reviews and may not work as smoothly for banks that have the option integrated. But it does the job and is worth exploring this option.

Walkthrough- How to Use Zelle with an IBC Bank Account [Steps]

  1. Download and Install the Zelle App on your mobile
  2. Enter your US mobile number to be used for Zelle
  3. Read and Accept the Zelle terms of use if agreeable
  4. You will be prompted to search for your bank. Enter “IBC” in the search bar and it will display not found, but you will also get the option “Don’t See Bank” tap on it
  5. Now, you may be asked to enter your email id to continue further. Enter the email id you would like to register on Zelle.
  6. Next, it brings up the option to enter your bank debit card details. Here is where you need to enter your IBC debit card details like the debit card number, zip code, etc.

If things go as planned, you should be seeing a successful registration message i.e. your IBC bank account has been registered with the relevant US mobile number or email with the debit card.

Once this one-time setup is completed, you should be able to now send or accept money from other Zelle users with your registered mobile number in the normal manner. The only difference is that you use your Zelle app instead of your mobile banking app.

Make sure to do a test transfer with a small amount to see if it works and things go as expected, before proceeding with full-fledged use.

IBC Bank Zelle Transfer Limits

Banks, that are a part of the Zelle network, set their own limits on the amount that can be sent and received with Zelle

For banks that are not a part of the official Zelle network, there is a default limit of $500 per week for sending and receiving money.

So if you are using IBC with Zelle, the limits would be $500 per week.

Other ways to transfer money with IBC vs Zelle

There are a few ways outside of Zelle that you can explore to send and receive money with your IBC Bank account.

  • Transfer funds option using IBC Mobile App- You can use the transfer money option within the IBC Mobile App. Select the transfer to the bank. However, this option seems to support your own only internal IBC accounts.
  • Bill Payment Option in IBC Mobile App- This Bill Payment Option gives you the option to add and make payments to external bank account payees (oddly labeled though). It also gives you the option to set up recurring transfers.

The above transfer options to external bank accounts may not be instant though. So you can factor in transfer time, especially for time-sensitive money transfers.

Alternatives to IBC Bank that are compatible with Zelle

If you are looking for alternative bank account options that offer Zelle, here is a list that may help:

  • Bank of America
  • Bank of the West
  • Capital One
  • Chase
  • Citi
  • Citizens Bank
  • FirstBank
  • Frost
  • Trust
  • U.S. Bank
  • Wells Fargo

If you are interested in online banks, you can also check this list for Zelle.

Wrap Up

So while IBC does not have the Zelle option, it is certainly worth trying to register your IBC debit card on Zelle App to have a shot at making use of Zelle. It may not be as convenient and smooth but can get the job done. IBC needs to consider bringing this Zelle option to its mobile app, but there is no indication yet if it is planned for the future.

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I have a passion for finance and technology. On this blog, I share helpful information on products and services that we use in our daily lives and simplify things I learned the hard way.

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