No One Left Out
No smart phone? No Internet? No Problem. If you lack access to Basic Banking Services, for whatever reason, we've got you covered.
Everything You Expect From A Bank
Except The Fees! No Fees, No Minimum Balance. No "Hidden" Charges of any kind.
"Bank Where You Shop"™
Deposit & Withdraw, Pay Bills, Send Money - even overseas - Right where you do your shopping!
What Can IBank Do For Me?
We designed IBank for anyone who is burdened with the Frustration and High Cost of being Unbanked.
No Special Technology Required. Basic Banking Features include Deposits, Withdrawals, Bill-Pay and Money Transfer that can be accessed at any Authorized IBank Merchant with the IBank SmartCard.
- Provide Access to all the Advantages of the Global Digital Economy
- Save you thousands of dollars in fees for Alternative Financial Services.
- Finally have extra cash to Save for a rainy day, your Children's Education - or that Overdue Vacation.
- Banking that is as close as the corner grocery store.
How IBank Works
Once your account is approved, you can pick up your IBank SmartCard at any Authorized IBank Merchant and activate the card at the merchant's POS terminal.
There are several ways you can deposit funds in your IBank Account:
- By giving the merchant cash which will immediately be credited to your account.
- By giving the merchant a check. Checks must clear our bank before your account is credited.
- Contact us to arrange for the Direct Deposit of your payroll or government benefits check.
- Transfer funds from another bank account or from another IBank Member.
Use your card to shop at any Authorized IBank Merchant anywhere in the world - online or in-store. And regardless of what currency your account was funded in, there are never any foreign transaction fees.
With all the money you'll be saving you can afford to open an IBank Savings Account. Tell us how much and we'll automatically transfer a percentage of each deposit into your savings. Or, simply transfer funds into your IBank Savings Account whenever you wish.
Advanced Features & Benefits
For Consumers with Smart Phone or Internet Access
Full Control over all Account Functions:
- Set up Direct Deposits
- Arrange Auto Bill-Pay
- Transfer Funds to Savings
- And much more...
Tracking & Budgeting
Track Income and Expenses. Plan your monthly budget with the IBank Money Manager. Set Goals and Achieve Your Dreams. Feature-rich Reports with Charts to Compare your Income vs Expense. Give it a spin HERE (Username: firstname.lastname@example.org Password: wags2018)
Find the nearest IBank Merchant. Filter Search by Merchant Type like Sushi Restaurants, Convenience Stores or Coffee Shops, etc. Opt-in to receive Special Offers via SMS from Merchants in your area. Give it a spin HERE (Hint: Try New York, Seoul, London or Dublin)
Send & Receive Money
Domestically and Internationally, in Any Currency to other IBank Members Instantly. No Transaction Fee and Competitive Exchange Rates. Cash Pick-up at any Authorized IBank Merchant.
Frequently Asked Questions
Yes, No one is denied an IBank Account as long as we can verify your identity.
All Online Banks and Payment Networks require an Internet Connection. After all, that's why they're called "online". IBank is different - we're the only Cloud Bank that can be accessed without a smart mobile device or Internet Connection with the IBank SmartCard.
There are no credit requirements. The IBank card is a Debit Card which is tied to the funds on deposit in your IBank Account. Much like "Prepaid" Debit Cards - but without any of the fees. And Prepaid Debit Cards don't allow you to send money overseas.
There are no restrictions on deposits unless they are cash deposits; in which case they would be subject to local regulations. Withdrawals made at a merchant location are subject to the cash availability of that merchant. Transferring funds from your IBank Account to another bank is also subject to daily transfer limitations which are imposed by regulations that differ by jurisdiction. Generally, those limits are much higher than the average balances held by most consumers.
The best way to register if you do not have access to the Internet is to visit a participating merchant for an application or simply call us and we will take your application over the telephone.
We are adding new locations as rapidly as possible. It is difficult to say exactly when IBank would be available in your specific area. You can sign up for our Newsletter which will announce new locations as they become available.