IBC Bank (International Bank of Commerce) is a Texas-headquartered regional bank founded in 1966 in Laredo, Texas by Antonio R. Sanchez Sr. Today IBC operates approximately 191 branches and 280+ ATMs across Texas and Oklahoma, with one of the strongest banking franchises along the US-Mexico border. Its parent holding company, International Bancshares Corporation, is traded on NASDAQ under ticker IBOC. The bank is one of the largest Hispanic-owned and minority-managed banks in the United States, and most IBC branches operate in both English and Spanish, reflecting the customer base across South Texas and Oklahoma.
How to find an IBC Bank branch or ATM near me
How can I find a nearby branch of IBC Bank? If you are searching for the closest IBC Bank branch, you can easily locate it using our interactive map tool. This feature allows you to enter your current address, city, or zip code to see a list of nearby branches. Whether you are looking to visit a branch for banking services, financial advice, or to speak with a representative, the map provides detailed information on the nearest IBC Bank locations.
Where is the closest IBC ATM around me? Our map tool also helps you find IBC Bank ATMs close to your current location. Simply use the ‘Use my location’ feature to get real-time results and see all available ATMs near you. This ensures you have convenient access to cash and account services whenever you need them.
Map of IBC Bank locations near me
Use the IBC branch locator below to find the nearest IBC Bank in your location, with branch hours, services, and contact details. The map covers all IBC Bank branches and ATMs across Texas and Oklahoma.
Enter address, city, state or ZIP code and click ‘Search‘. Source: ibc.com
Note that you can click on the 
icon to view all branch and ATM locations near you in one click.
IBC Bank at a glance
- Official name: International Bank of Commerce (commonly IBC Bank)
- Founded: 1966 in Laredo, Texas by Antonio R. Sanchez Sr.
- Headquarters: 1200 San Bernardo Avenue, Laredo, TX 78040
- Parent company: International Bancshares Corporation (NASDAQ: IBOC)
- Branches: approximately 191 across Texas and Oklahoma
- ATMs: approximately 280+ across the IBC network
- States: Texas and Oklahoma only
- Brand: “We Do More” / “Hacemos Mas” (the bilingual brand line)
- Key markets: Laredo, McAllen, Brownsville, San Antonio, Houston, Austin, El Paso, Eagle Pass, Del Rio, Corpus Christi, Oklahoma City, plus border-area communities
- Subsidiaries: IBC Bank-Houston, IBC Bank-San Antonio, IBC Bank-Zapata, IBC Insurance, Commerce Bank in Brownsville
- Holding company stock: IBOC on NASDAQ
IBC Bank branch locations near me
IBC Bank operates only in Texas and Oklahoma, but within those states its network is heavily concentrated along the US-Mexico border and in the major Texas metros. The bank’s footprint reflects its founding mission of serving cross-border trade between South Texas and Mexico.
IBC Bank in South Texas and the Rio Grande Valley
South Texas is IBC’s home region and the densest part of the network. The bank has its largest branch concentrations in Laredo (the headquarters city, where IBC was founded), McAllen, Brownsville, Eagle Pass, Del Rio, and Zapata. Many of these branches are explicitly bilingual operations serving customers who do business on both sides of the border. The IBC Commerce Bank subsidiary, a separate brand the bank operates, has additional branches in Brownsville and Harlingen.
IBC Bank in San Antonio
San Antonio is IBC’s second-largest market. IBC Bank-San Antonio operates as a regional subsidiary with multiple branches across Bexar County including downtown San Antonio, the Medical Center, Stone Oak, Alamo Heights, and the Loop 1604 corridor.
IBC Bank in Houston
Houston is the bank’s largest single metropolitan market by population served. IBC Bank-Houston operates as a regional subsidiary with branches across Harris, Fort Bend, Montgomery, and Galveston counties, with concentrations in the Westchase district, Energy Corridor, Galleria, Sugar Land, the Woodlands, and the southwest Houston metro.
IBC Bank in Central Texas
Central Texas branches include Austin (multiple locations across the metro), San Marcos, and Round Rock. Austin IBC branches typically serve students at the University of Texas and Texas State University as well as the broader Austin business community.
IBC Bank in El Paso and West Texas
IBC operates branches in El Paso (downtown, east side, west side) and the surrounding West Texas region, including Midland, Odessa, and the Permian Basin oil-and-gas economy.
IBC Bank in Oklahoma
Oklahoma is the only state outside Texas where IBC operates. The Oklahoma footprint covers Oklahoma City (multiple branches), Lawton, Norman, and adjacent communities. IBC entered Oklahoma in 2004 through the acquisition of Local Oklahoma Bank.
IBC Corpus Christi and the Coastal Bend
IBC has branches in Corpus Christi and the Coastal Bend region, including Port Aransas, Aransas Pass, Beeville, and the surrounding South Texas Gulf Coast.
For the official branch locator with up-to-date hours and addresses, see ibc.com/locations.
IBC ATM near me
Use the IBC ATM finder to find the closest IBC ATM machine around you, including 24-hour ATMs at branches. IBC Bank operates approximately 280+ ATMs across its Texas and Oklahoma footprint. Most IBC ATMs are at IBC branches; some are standalone locations within the IBC service area. ATMs at branches are typically accessible 24/7 even when the branch is closed.
Fee-free ATM access for IBC customers
- IBC Bank branded ATMs: IBC checking and savings customers can use any IBC ATM in Texas or Oklahoma fee-free.
- Out-of-network ATMs: using a non-IBC ATM may incur a fee from IBC (depending on the account type) plus the ATM operator’s surcharge.
- Drive-up ATMs: many IBC branches have drive-up ATMs accessible 24/7. These are useful in heavy-traffic markets like Houston and San Antonio.
- Deposit ATMs: many IBC ATMs accept cash and check deposits without an envelope, with funds typically available the next business day.
- IBC Card Center: IBC operates self-service banking kiosks (Card Centers) at many branches where you can apply for or activate cards, change PINs, and perform other card-related self-service tasks.
Bilingual ATM interfaces
IBC ATMs across the Texas-Mexico border region operate in both English and Spanish, with users able to select their preferred language at the start of each transaction. This bilingual ATM service is one of the bank’s signature features in the border markets.
IBC International services: cross-border banking and Mexico transfers
IBC Bank was founded to serve cross-border commerce between Texas and Mexico, and the international product set remains a major differentiator. Notable IBC international services include:
- International wire transfers: IBC handles wire transfers to and from Mexico (and other countries) at competitive rates compared to large national banks.
- Mexican peso accounts: certain IBC accounts can be denominated in pesos, useful for customers with regular peso income or expenses.
- Cross-border merchant services: IBC Commercial supports US and Mexican businesses with international trade, foreign-exchange services, and bi-national payment processing.
- Commerce Bank (Brownsville subsidiary): IBC’s Commerce Bank subsidiary focuses on the Lower Rio Grande Valley and cross-border trade serving Matamoros and Reynosa businesses.
- Bilingual banking: most IBC branches and the customer service line operate in both English and Spanish.
IBC Bank hours, Saturday hours, and open now
IBC Bank branch hours vary by location, but most branches follow this typical schedule:
| Day | Typical hours |
|---|---|
| Monday to Friday | 9:00 AM to 5:00 PM lobby (drive-up often opens at 7:00 AM and closes at 6:00 PM at many branches) |
| Saturday | 9:00 AM to 1:00 PM at many South Texas and Oklahoma branches; lobby closed at most metro branches (Houston, San Antonio, Austin) |
| Sunday | Closed at all branches |
IBC Bank is closed on the standard 11 US federal holidays. Drive-up windows often open earlier and close later than the lobby at the same branch, so the drive-up may be available when the lobby is not. ATMs at all branches are available 24/7. For exact hours at your specific IBC branch, use the official locator at ibc.com/locations.
Is IBC Bank open now near me? Most IBC branches are open weekdays 9:00 AM to 5:00 PM Central Time, plus Saturday morning at many South Texas locations. ATMs and 24/7 telephone banking are available outside lobby hours. The IBC mobile app handles routine banking 24/7.
IBC Bank customer service phone numbers
- IBC Bank general customer service: 1-800-704-2265 (Monday to Friday 7 AM to 8 PM CT, Saturday 8 AM to 5 PM CT)
- IBC 24/7 telephone banking (automated): 1-800-388-9602 for account balances, transfers, recent transactions, and other self-service operations 24 hours a day
- IBC lost or stolen debit card: 1-800-588-0066 (24/7)
- IBC lost or stolen credit card: 1-866-552-8855 (24/7)
- IBC Mortgage Servicing: 1-866-422-2228
- IBC Business Banking: 1-800-580-9818
- IBC en Espanol (Spanish-language customer service): 1-800-471-5550
- IBC Online Banking technical support: 1-866-422-0086
The bilingual (English and Spanish) customer service is one of IBC’s signature features and reflects the bank’s South Texas and Mexico-border customer base.
About IBC Bank: founding story and the “We Do More” identity
IBC was founded in 1966 in Laredo, Texas by Antonio R. Sanchez Sr. and a group of South Texas business leaders who wanted a bank built around cross-border trade with Mexico. Laredo sits directly across the Rio Grande from Nuevo Laredo, and at the time the existing banks did not adequately serve the bilingual customer base or the bi-national merchant economy. From a single Laredo branch, IBC expanded across South Texas through the 1970s and 1980s, into Houston in the 1990s, and into Oklahoma in 2004.
IBC’s brand line, “We Do More” / “Hacemos Mas”, captures the bank’s positioning as a Texas community bank that offers customer service and product depth comparable to a much larger institution. The bilingual brand line itself is unusual among US banks and is recognized across South Texas.
IBC remains family-influenced. Dennis E. Nixon served as President and CEO for many years (1979 to recent leadership transitions) and the Sanchez family remains involved in International Bancshares Corporation. IBC is also a major philanthropic presence in Texas, with notable contributions through the IBC Bank Foundation, Sanchez Foundation, and partnerships with universities along the border (Texas A&M International University, University of Texas at Brownsville, University of the Incarnate Word, and others).
IBC Bank San Antonio
Frequently asked questions
Where is the nearest IBC Bank ATM to my current location?
Use the official IBC Bank locator at ibc.com/locations and click “Use my location” or enter your ZIP code, city, or state. The map at the top of this page also shows IBC branches and ATMs across Texas and Oklahoma. IBC operates approximately 280+ ATMs network-wide, mostly at IBC branches and accessible 24/7.
How do I find an IBC Bank branch near me?
Use the IBC branch locator at ibc.com/locations to search by ZIP code, city, or state. The locator returns nearest branches, addresses, phone numbers, lobby and drive-up hours, available services, and a map. Most IBC branches in South Texas and Oklahoma have Saturday morning hours; metro branches (Houston, San Antonio, Austin) are typically Monday-Friday only.
What states does IBC Bank operate in?
IBC Bank operates only in Texas and Oklahoma. Within Texas, the largest concentrations are South Texas (Laredo, McAllen, Brownsville, Eagle Pass, Del Rio, Zapata), San Antonio, Houston, Austin, and El Paso. Oklahoma branches are concentrated in Oklahoma City and surrounding communities.
Is IBC Bank Hispanic-owned?
IBC is one of the largest Hispanic-owned and minority-managed banks in the United States. The bank was founded by Antonio R. Sanchez Sr. and a group of South Texas business leaders in 1966, and the Sanchez family remains involved in International Bancshares Corporation, the publicly-traded parent (NASDAQ: IBOC). Most IBC branches operate in both English and Spanish.
Does IBC Bank handle wire transfers to Mexico?
Yes. IBC Bank specializes in cross-border services to Mexico and handles international wire transfers, peso-denominated accounts at select branches, and bi-national commercial banking for businesses that operate on both sides of the border. IBC is one of the most experienced US banks for Mexico-related banking.
What is IBC Bank’s customer service phone number?
For general customer service call 1-800-704-2265. For Spanish-language service call 1-800-471-5550. For 24/7 automated telephone banking call 1-800-388-9602. For a lost or stolen debit card call 1-800-588-0066 (24/7). For a lost or stolen credit card call 1-866-552-8855 (24/7).
What is the difference between IBC Bank and Commerce Bank in Brownsville?
Commerce Bank in Brownsville is a subsidiary of International Bancshares Corporation, the same parent company that owns IBC Bank. Both operate under the IBC umbrella but Commerce Bank is a separate brand focused specifically on the Lower Rio Grande Valley and cross-border trade with Matamoros and Reynosa.
Are IBC Bank ATMs bilingual?
Yes. IBC ATMs across the Texas-Mexico border region and most of South Texas operate in both English and Spanish. Users select their preferred language at the start of each transaction. This bilingual ATM service is one of IBC’s signature differentiators.
Is IBC Bank FDIC insured?
Yes. IBC Bank (International Bank of Commerce) is FDIC insured. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
How many IBC Bank locations are there?
IBC Bank operates approximately 191 branches and 280+ ATMs across Texas and Oklahoma. The largest concentrations are in South Texas (the founding region around Laredo), the Houston metro, San Antonio, Austin, El Paso, and Oklahoma City.
Does IBC Bank have a mobile app?
Yes. The IBC Mobile Banking app handles routine banking 24/7, including account balances, transfers between IBC accounts, bill pay, mobile check deposit, card lock and unlock, and the built-in branch and ATM locator. The app is available for iOS and Android, and supports both English and Spanish interfaces.
What is IBC’s brand line “We Do More”?
“We Do More” (in English) and “Hacemos Mas” (in Spanish) is IBC Bank’s bilingual brand tagline. It reflects the bank’s positioning as a Texas community bank that offers the customer service and product depth of a much larger institution. The bilingual brand line itself is unusual among US banks and is widely recognized across South Texas.
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