Terms & Conditions
Please read these terms carefully before using our services.
Please read these terms carefully before using our services.
Effective Date: January 1, 2026 | Last Updated: February 17, 2026
These Terms and Conditions ("Terms") govern your access to and use of the website, mobile applications, online banking platform, client registration portal, and all other products and services (collectively, the "Services") offered by IBC Corporate Finance Bank ("IBC," "the Bank," "we," "us," or "our"). By accessing or using our Services, you ("Client," "you," or "your") agree to be bound by these Terms.
To use our Services, you must be at least 18 years of age (or the legal age of majority in your jurisdiction), have the legal capacity to enter into binding agreements, and provide accurate and complete information during registration. Business accounts require authorization from a duly authorized representative. We reserve the right to refuse service to anyone at our sole discretion.
When registering through our Client Registration Portal or opening an account, you agree to provide truthful, accurate, and complete personal information as required by our Know Your Customer (KYC) and Anti-Money Laundering (AML) policies. You must submit valid government-issued identification documents for identity verification. You are responsible for maintaining the confidentiality of your account credentials, passwords, PINs, and security questions. You must notify us immediately of any unauthorized access or suspected security breach. We reserve the right to suspend or terminate accounts where KYC requirements are not met or where information is found to be false or misleading.
IBC Corporate Finance Bank offers a range of financial services including, but not limited to: personal and business savings and checking accounts; domestic and international wire transfers via the SWIFT network; credit and debit card issuance and management; personal, business, auto, and home loans; investment and wealth management advisory; online and mobile banking; client registration and identity verification; corporate banking and treasury management. Specific terms for individual products and services may be set forth in separate agreements, which shall be read in conjunction with these Terms.
Our current fee schedule is available on our website and at any branch location. We may modify our fees from time to time with prior notice. Transaction fees, maintenance fees, overdraft charges, wire transfer fees, and other applicable charges will be deducted from your account as specified in our fee schedule. You authorize us to deduct all applicable fees and charges from your account(s) without further notice.
All transfer instructions submitted through our Services are subject to verification and compliance checks. We reserve the right to delay, block, or refuse any transaction that we reasonably suspect may be fraudulent, illegal, or in violation of applicable sanctions, AML regulations, or our internal policies. International transfers are processed via the SWIFT network and are subject to correspondent bank fees, exchange rate fluctuations, and processing times typically between 1–5 business days. Once a transfer is executed, it may not be reversible. You are solely responsible for ensuring the accuracy of beneficiary information.
Our digital banking Services are provided on an "as is" and "as available" basis. While we strive for 99.9% uptime, we do not guarantee uninterrupted access. Scheduled maintenance may temporarily affect availability. You are responsible for maintaining the security of your devices and login credentials. Multi-factor authentication (MFA) is required for sensitive operations. You agree not to use our digital Services for any unlawful purpose or in any manner that could damage, disable, or impair our systems.
The Client Registration Portal is provided for the purpose of secure client onboarding and identity verification. By submitting information through the portal, you represent and warrant that all information provided is accurate, complete, and current. Documents uploaded for KYC verification are encrypted with AES-256 encryption and stored in compliance with applicable data protection regulations. We process registration applications within 1–2 business days and will notify you of the outcome via email. Submission of a registration form does not guarantee account approval.
We employ industry-leading security measures including AES-256 encryption, biometric authentication, Quantum-Shield AI-powered fraud monitoring, and TLS/SSL protocols to protect your data and transactions. You agree to cooperate with our security measures and to promptly report any suspicious activity on your account. We will never request your full password, PIN, or CVV via email, phone, or text message. Any such request is fraudulent and should be reported immediately.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms an integral part of these Terms. By using our Services, you consent to the data practices described in the Privacy Policy.
All content, trademarks, logos, designs, software, and other intellectual property displayed on our website and applications are owned by or licensed to IBC Corporate Finance Bank. You may not reproduce, distribute, modify, display, or create derivative works from any of our intellectual property without prior written consent.
To the maximum extent permitted by applicable law, IBC Corporate Finance Bank, its directors, officers, employees, and agents shall not be liable for: any indirect, incidental, special, consequential, or punitive damages; loss of profits, data, or business opportunities; damages arising from unauthorized access to your account due to your failure to maintain security; delays or failures in transactions caused by third-party networks, correspondent banks, or force majeure events; losses resulting from exchange rate fluctuations in international transfers. Our total liability for any claim shall not exceed the fees paid by you in the twelve (12) months preceding the claim.
You agree to indemnify and hold harmless IBC Corporate Finance Bank, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Services, your violation of these Terms, or your violation of any applicable law or regulation.
We may suspend or terminate your account and access to Services immediately if we reasonably believe you have violated these Terms, provided false or misleading information, engaged in fraudulent or illegal activity, failed to comply with KYC/AML requirements, or if required to do so by law or regulation. You may close your account at any time by contacting us, subject to settlement of all outstanding obligations, fees, and charges.
IBC Corporate Finance Bank operates in compliance with all applicable federal, state, and international banking laws and regulations, including but not limited to FDIC regulations, Federal Reserve requirements, Basel III standards, the Bank Secrecy Act (BSA), the USA PATRIOT Act, OFAC sanctions programs, FATCA, CRS, and applicable anti-money laundering directives. You agree to comply with all applicable laws in connection with your use of our Services.
Any dispute arising from or relating to these Terms or your use of our Services shall first be addressed through our internal complaint resolution process. If the dispute cannot be resolved informally within thirty (30) days, it shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association (AAA) in the State of Michigan. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding. Nothing in this clause prevents either party from seeking injunctive relief in a court of competent jurisdiction.
These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, United States of America, without regard to its conflict of law principles.
We reserve the right to modify these Terms at any time. Material changes will be communicated to you via email and/or posted on our website at least thirty (30) days before they take effect. Your continued use of our Services after the effective date constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, Cookie Policy, and any product-specific agreements, constitute the entire agreement between you and IBC Corporate Finance Bank regarding the use of our Services, superseding any prior agreements or communications.
For questions about these Terms and Conditions:
IBC Corporate Finance Bank — Legal Department
Email: info@ibccorporatefinance.com
Phone: +1 252-633-7061
WhatsApp: +12526337061
Address: 230 West Main Street, Ionia, MI 48846, USA
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