Account origination

17

Mobile banking

51
18
19

Payment solutions

21
24
25

Online banking

26
27

Capture Solutions

29
31

Document Imaging

32
33

Telephone Banking

34

Member Tracking

36

Item Processing

37
38
39
40

Archive

41
42
43

Print Services

44
45

Data Center

49
50
46
47
48
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Corporate Headquarters - Austin

1101 Arrow Point Dr., Suite 305
Cedar Park, TX 78613
512-616-1100 (Direct)
512-616-1101 (Fax)
Denver

181 East 56th Avenue, Suite 100
Denver, CO 80216
303-308-9930 (Direct)
512-616-1101 (Fax)
Chicago

1400 E Touhy Ave., #145
Des Plaines, IL 60018
773-973-1536 (Direct)
512-616-1101 (Fax)

Welcome

IBT is dedicated to providing support for all of our customers on all of our solutions. We want to create a long-term partnership by providing reliable, friendly, and knowledgeable customer service. Our customer support center is located in Cedar Park, Texas, and is staffed by highly-trained, technical engineers and product specialists with years of experience in the banking software industry. Our goal is to provide unprecedented customer service.

Our office hours are from 8:00 AM - 5:00 PM CT, Monday through Friday, but after hours support is available. We can be reached at 512-616-1100. 

Join a live session with one of our support specialists. 

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Benefits & Features:

  • Convenient & Efficient
  • Easy to Use
  • Build and Maintain Customer Loyalty
  • Cost effective
  • Safe and Secure
  • Fraud Protection
  • Eco Friendly
  • Eliminate Geographical Limitations
  • Enhance your competitive advantage
  • Uses widely available, easy-to-use technology to reach a younger demographic
  • Acts as new communication channel with existing account holders, engaging inactive clients and strengthening loyalty
  • Offers branch service through a self-service outlet, increasing access to a wider geographic region, lowering branch traffic and transaction costs
  • Offers the ability to track usage and generate additional fee income
  • Provides a low cost method for acquiring deposits

Provide the latest technology to your customers with RDC!

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IBT can help secure your network and your information by proactively identifying weaknesses in your security posture.  We offer the monitoring and firewall protection to help reduce your risk.

Monitoring

IBT incorporates monitoring with in our corporate performance.  We monitor our performance within our own business plans as well as working on our operating results.  IBT believes that it is our duty to monitor and encourage ethical behavior, law compliance, regulations, and with corporate policies conflicts of interest and duty of loyalty, auditing and of course accounting principles

IBT believes monitoring does play a very large part within the Industry.  All financial institutions must provide ways to watch their employees to make sure everyone is following the rules set forth by states and governments.

Firewall Protection

IBT offers Firewall solutions to ensure your network’s availability and security.  IBT takes the security of your financial institutions resources to the next level by protecting the network infrastructure against network and application layer attacks, viruses and worms.  IBT’s firewall protects all of your company’s communications. 

  • Protects network resources-- Uses existing routing capabilities to offer distributed threat mitigation of worms, viruses, and other network and application-layer threats and exploits
  • Helps lower total cost of ownership-- Reduces equipment footprint and minimizes power consumption
  • Increases deployment flexibility-- Offers options for transparent and virtual firewall policies on wide variety of WAN, WLAN, LAN and VLAN interfaces
  • Helps achieve regulatory compliance
  • Improves the integrity of Communications-- Helps ensure that critical unified communications service. 
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IBT provides state-of-the-art disaster recovery and business continuity solutions for financial institutions. The degree of complexity of all systems has increased exponentially. The more complex the information requirement, the more demand for a comprehensive disaster recovery and business continuity plan. Today, there is zero tolerance for interruption of service.

Our vision takes advantage of all technological advancements. IBT fully utilizes state of the art Service Oriented Architecture framework and Virtual Machine Technology.  We recognize the value of deliberate separation of hardware from the software applications in the enterprise network. Hardware is distributed throughout the network enterprise as virtual server platforms. Applications access these virtual platforms and replicate the data real time across the network. The fault tolerance of these platforms ensures up time. By distributing applications throughout a virtual platform, IBT protects you against downtime and service interruption. The communications infrastructure is configured to allow for large amounts of data to be moved across the enterprise.

IBT provides for disaster recovery of financial institutions network infrastructures with complete annual testing to comply with current regulatory requirements and proof of concept. As a partner of Recovery Solutions, IBT provides access to a fully functional Mobile Bank facility.

In the world of zero tolerance for service interruption, IBT understands that disaster recovery and business continuity planning is as crucial and as important as the application deployment itself. 

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BT offers hosting solutions to optimize your business performance.  IBT’s Data Center and Web hosting services are designed to offer the flexibility to meet your unique needs today and in the future. We provide high availability and security to support your online business and e-businesses with world-class technology experts and infrastructure. 

Managed Hosting Services

  • Networking Services– provide and manage an entire system of services that are available to help optimize your company.
  • Security Services- provide availability, control, and confidentiality for our customers
  • Service Desk– online or on phone with your personal contact to help relieve problems.
  • Storage Services – data needs
  • Disaster Recovery & Business Continuity – maintain business functionality
  • Managed Application Services  - enhance and support solutions

With superior technology professionals and multiple data centers across the country, IBT’s Hosting Services can provide you with the tools, expertise and infrastructure so you can focus on your financial institution, its consumers and their needs. 

Our hosting services include the network, security, service desk and managed application services. IBT is more than committed to meeting your businesses quality and expectations.

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IBT gives you control of the data you want to back up and manage. Since all data is encrypted in flight and at rest, expensive data communications is eliminated. With IBT you will have full control and access of your data. Should you require data restoration you can simply log in and download it to your restored system. If your restore requires a large amount of data, you can request a USB disk data seed from the same customer portal. Our center technicians will restore your data to an encrypted USB disk and ensure your receive it the next day, reducing recovery time from days/weeks to a single day in most cases.

IBT can create a virtual environment for your recovery. You can activate your virtual server’(s) and restore your data to the VM. Once your local environment has been restored, simply move your data. We provide a reliable backup infrastructure IT operations support, minimizing any chance of disruption. With information security a priority, encryption of all data protects your interest.

With IBT you can:

  • Provide data center based applications 
  • Provide hosted applications for a third party
  • Provide hosted hardware platforms
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IBT provides all your service bureau processing needs. With dual-replicated data centers located in Chicago and Austin, your information is always protected. IBT is a fully functional Application Service Provider (ASP) for your financial institution. We provide scalable core banking system that includes a comprehensive customer information platform, and robust product flexibility. All system products come with an extensive inventory of configurable feature and functions that are shared across all applications within the system.

If you are a Commercial Bank, Savings Bank, or Credit Union - IBT's’ transactional processing ASP and in-house solutions can fulfill all of your back office processing needs. These comprehensive and user friendly solutions include a complete array of item processing services, back office services, fraud protection and risk mitigation, ATM authorizations and card management, contact management and work-flow document imaging solutions.

IBT’s Item Processing and Back Office Services include:

  • In clearings processing, paper or electronic
  • Proof of Deposit services
  • Amount entry
  • Reject repair
  • Transaction balancing
  • RDC file processing
  • Item processing report creation
  • IRD creation
  • Host file creation and transmission
  • Correspondent Bank cash letter deposits, paper or electronic presentment
  • Incoming return cash letter processing
  • Outgoing return cash letter preparation, paper or electronic presentment
  • Branch capture capability
  • Host system report download and archival
  • Customer notice print and mailing
  • Statement printing and rendering
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Benefits

  • Statement Customization
  • Instantly access and reprint customer statements with images.
  • Print statements with either bi-tonal or gray-scale images
  • Reduce forms cost by reducing number of pages required to produce statements
  • Eliminate microfilm storage and time-consuming microfilm research
  • Create PDF files of statements
  • Push/ Pull delivery in encrypted PDF
  • Bar code and Mail Manifest for maximum postal discounts
  • Deliver statements on CD or DVD for larger corporate customers
  • E-delivery available 
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Take control of your statement processing. IBT’s i²Statements provides you with complete statement production capabilities. i²Statements will keep you in disclosure compliance with built-in intelligence that maintains the original disclosure notice printed with the statement. You and your customers will see the disclosure originally delivered with the statement regardless how many times it has been changed. 

i²Statements utilizes Optical Mark Recognition (OMR) technology to allow folder/inserters to verify the correct pages, page count, and page order prior to inserting the statements into the envelopes. i²Statements supports Pitney Bowes, Neopost, Hasler, and Duplo brand folder inserts

i²Statements will virtually eliminate the cost of ordering pre-printed statements.  With the use of electronic statement overlays we are able to produce the statement graphics and disclosure information as the statement is being printed.  i²Statements can easily be integrated with the rest of our IBT solutions.

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Report Archive

Core reports are stored and indexed. Reports can be viewed in text or graphic and print to any printer. Search individual reports, groups of reports, or by a date range. The information in your report is highlighted for easy viewing.

Tag data in the report with your network ID, time stamp or sticky notes for auditing purposes.

No longer will you need to print and retain paper reports for independent audit verification. 

Save time and money with the IBT Archiving Solutions.

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Document Archive

i²Docs delivers a single point of access to important documents.  Create virtual filing cabinets that not only eliminate the need for physical storage, but also allow for easy access, retrieval, distribution, retention and document disposal through one database.

Documents can be viewed or accessed from remote locations, and permission can be modified at any time for any user.

Audit & Compliance: All viewing and note history is maintained. Each time a staff member with the proper security is allowed to view a folder, the user ID, time and date is recorded.

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The unique design of the IBT archive eliminates the need to archive images off of the system. Maintain an unlimited amount of data Online for as long as you choose and directly match your retention policy.  This gives you the ability to research, recall, and query all archived data whenever needed without limitations. 

Significantly reduce the cost of research and improve customer experience by providing the tools they need to retrieve, examine, make decisions and answer customer inquiries from employee desks. Years of transaction images are available, in seconds, from any workstation.

Check & Image Statements Archive

i²Check 21 archive provides full, real-time access to you and your customers through customer service or our i²OLB, IBT's Online Banking solution.

The moment an item is scanned, through branch, home, mobile, or business capture the electronic image is immediately stored and can be retrievable by virtually any criteria. When an item is located, simply click on the link icon and retrieve the entire transaction associated with the item.

Customer statements are maintained on the system indefinitely.

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IBT offers you the ability to reconcile any official images with Online images. You are able to create a log of sales and checks issued daily.  These images are matched against the logs to the official documents.

Provide customers with confidence and create solid work-flows by providing your financial institution with IBT’s reconciliation solution. 

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IBT’s i²Check21 solution provides simple, effective and secure aggregation and electronic CTR forms generated during back office operations.  CTR forms are preformatted based on our CTR database. 

Benefits:

  • User friendly interface
  • Easy to read screens
  • Real time aggregation from multiple locations
  • FinCEN compliant by utilizing paperless forms
  • Information encrypted and securely stored in the database
  • Triple layer protection for input, review and submit
  • OFAC watch list capabilities
  • Multiple transactor capabilities
  • Information populates from transaction to CTR
  • Configurable reports
  • Integrated with i²Teller
  • E-filing – the ability to send completed CRTs to FInCEN.
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Don’t be a victim of check fraud. Turn employees into super heroes and prevent fraud before it happens. IBT’s i²FraudStop helps you stay ahead of perpetrators by monitoring suspicious behavior, analyzing data to identify new patterns, refining fraud alert systems and efficiently managing potential fraud cases from detection through notification of the authorities. You have the ability to customize fraud filters to match your business needs and control how suspicious transactions are handled, including the ability to hold the transaction for manual review.

i²FraudStop's signature verification feature detects the presence of a signature on personal and business checks, then compares and identifies random skilled forgeries. All transaction items processed through our teller capture, branch capture, and mobile capture applications are additionally subject to the check fraud prevention system.

Fraud is an equal opportunity crime and every business is vulnerable.  The "invisibility" of electronic monetary transactions makes fraudulent activity easier to hide and increases a bank's vulnerability. With the increase of electronic transaction processing in today’s banking world, items are no longer reviewed by individuals which makes i²FraudStop a valuable asset.  

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IBT’s Branch Capture solution will streamline your work flow with check image capture, transaction balancing, repair and clearing. This solution eliminates the need for branch microfilming and enhance image-based work flow with “early-entry” of check images into the payment processing system.  It will capture all images that are presented into the daily processing environment earlier, delivering savings opportunities to your institution.

Branch Capture allows your institution to:

  • Improve item processing deadlines
  • Reduced peak-time staffing requirements
  • Lengthen end-of-day branch cut-off times
  • Reduce courier runs
  • Eliminate back office sorter maintenance
  • Eliminate the need consolidated, higher speed image transports
  • Lower operating costs and optimize accuracy
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Save time and money by tracking your customers with our integrated contact management solution, i²Contact.

i²Contact creates a full historical account of all communications and saves it to our powerful, centralized database - permitting quick access and easy retrieval of information where and when you need it.  

i²Contact creates a full historical accounting of all communications, whether originated by the member or credit union and saves it to our powerful, centralized database, permitting quick access and easy retrieval of information where and when you need it. 

The built in contact management feature gives your managers and supervisors the ability to view and manage all pending contact history postings at a glance.  Quickly sort and view contact history based on application, account number, details, assigned user or category. Additionally, your manager or supervisor can even re-assign contact history to other users and departments as needed based on employee availability or expertise.

i²Contact provides summarized or detailed customized reporting to help you intelligently track your members and their needs.  Contact history management is one of the most important and powerful tools utilized to help assess, plan and manage customer service.  

Empower your employees with i²Contact today.

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Save time and money by tracking your customers with our integrated contact management solution, i²Contact.

  • i²Contact creates a full historical account of all communications and saves it to our powerful, centralized database - permitting quick access and easy retrieval of information where and when you need it. 
  • i²Contact creates a full historical accounting of all communications, whether originated by the customer or bank and saves it to our powerful, centralized database, permitting quick access and easy retrieval of information where and when you need it. 
  • The built in contact management feature gives your managers and supervisors the ability to view and manage all pending contact history postings at a glance.  Quickly sort and view contact history based on application, account number, details, assigned user or category. Additionally, your manager or supervisor can even re-assign contact history to other users and departments as needed based on employee availability or expertise. 
  • i²Contact provides summarized or detailed customized reporting to help you intelligently track your customers and their needs.  Contact history management is one of the most important and powerful tools utilized to help assess, plan and manage customer service.  

Empower your employees with i²Contact today.

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IBT’s Integrated Telephone Banking system, i²Phone, provides your customers with instant access to their account information from anywhere and at any time. 

With i²Phone, your customers can access account balances, transfer funds between banks and within the bank, make loan payments, review transaction history, verify checks and deposits that have cleared or posted to their accounts as well as seek live help when needed. 

Provide your customers with a hassle free banking experience integrate your solutions and make telephone banking another channel in which your customers can manage their accounts.  Customers simply activate their own telephone banking pass-codes and permissions. Allow IBT to help you show your customers that integrated telephone banking is no longer limited by time or days and transaction history is always available no matter when it occurred. 

Stay ahead of the technology curve - provide your customers access when and where they need it.

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Features & Benefits

  • Scan or drag and drop
  • Automated bar code and manual indexing capabilities
  • Drag and drop capabilities
  • Color or black and white
  • Accepts any file format: .jpg, .pdf, .tiff, .xls, .doc, .txt, .etc.
  • Customizable print features; add headlines, birders, page numbers, etc.
  • Encrypted, password protected .pdf export for secure emailing
  • User defined fields for meta-data searching
  • Add notes to pages or folders
  • Automated scanning linked to collateral
  • Online audit trail for document access and modifications
  • Full integration of signature card images for signature comparison with proof
  • Save money by eliminating the cost and hassle involved with manually handling and filing paper
  • Protect your paper records by creating electronic copies that can be backed up in multiple ways
  • Enforce your filing integrity
  • Provides several layers of security
  • Documents can be viewed from remote locations and permission to do so can be modified at any time.

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BT’s Document Imaging System, i²Docs, captures and stores paper documents in standard electronic formats. This process converts paper documents to digital images, reduces physical storage costs, enables documents to be securely retrieved and shared, and results in faster retrieval of critical business information.  

Any document or paper that needs saving can be scanned and stored within i²Docs.  Our document templates allows you to pre-define the location where all documents are stored (CIF record, account level or department). We also offer you the ability to drag and drop documents, images, emails and email attachments into any file at any time.  IBT provides document storage without placing limitations on users by allowing storage of all documents in one centralized user friendly database that can be accessed by all branches. 

Remain competitive by implementing i²Docs within your financial institution and allow IBT help you stay ahead of the curve with our advanced and innovative financial software solutions.

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Benefits & Features:

  • Convenient & Efficient
  • Easy to Use
  • Build and Maintain Customer Loyalty
  • Cost effective
  • Safe and Secure
  • Fraud Protection
  • Eco Friendly
  • Eliminate Geographical Limitations
  • Enhance your competitive advantage
  • Uses widely available, easy-to-use technology to reach a younger demographic
  • Acts as new communication channel with existing account holders, engaging inactive clients and strengthening loyalty
  • Offers branch service through a self-service outlet, increasing access to a wider geographic region, lowering branch traffic and transaction costs
  • Offers the ability to track usage and generate additional fee income
  • Provides a low cost method for acquiring deposits

Provide the latest technology to your customers with i²RDC!

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IBT Capture Solutions, i²RDC, allows customers to scan checks or remittance coupons using a multiple item check scanner and transmit check images and data directly to your financial institution for faster processing. i²RDC accepts customer deposits from anywhere, allowing you to remain competitive in existing and new markets.  Attract customers with convenience, cost savings, expanded deposit windows and the greener side of business that this service offers.

Business Capture

Provide your business customers with a convenient and economical new service.  Your business customers are now able to scan and deposit checks without going anywhere.  All that is needed to get started is a one time fee, simple to use check scanner. Provide your business customers with a service that understands their needs.

Mobile Capture

Allows consumers to scan documents such as business cards, receipts, and checks with their mobile device.  Once the mobile device has captured this information it is sent directly to the financial institution in real-time using wireless broadband Internet services.

Home Capture

Deposit your check from the comfort of your own home. With a personal computer, a secure Internet connection and a flatbed scanner, account holders simply log in to Online banking and make a deposit.

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IBT's integrated teller solution, i²Teller, focuses on change, improving productivity through business process innovation. Once item images are captured, your institution has access to information necessary to make confident decisions and improve customer experience while allowing your customers to benefit from the real time alerts and capabilities of receiving electronic receipt to their mobile phone.  

Features:

  • Real-time check imaging at the point of presentment
  • CTR E-filing
  • Electronic SAR Assistant
  • MICR printing of official items
  • OFAC scanning on official items before printing & issuance
  • Virtual ticket creation
  • Deferred transactions
  • Electronic signature pads for cash back transactions
  • Check 21 integration
  • Online real-time research through electronic teller journals
  • Account balance and Customized receipt printing. 
  • Electronic End of Day reporting/counting

IBT understands the unique needs of financial institutions and we are dedicated to providing customer centric solutions that focus on improving the customer experience. As result your customers will maintain a strong sense of confidence knowing their transactions are handled accurately each and every time they visit.  

Teller provides productivity and cost savings by enabling your tellers to immediately verify transactions at the teller line, improving transaction accuracy rates, fewer exception items, adjustments and customer notifications. 

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In today’s competitive financial environment, over 85% of all consumers research products and services online prior to purchasing a new product or service. A high quality, dynamic internet presence has evolved into a necessity for financial institutions of all sizes. IBT and Digital Turf have partnered, to provide financial institutions an unmatched level of quality and service in designing, developing and managing their online presence.

Regardless of the size of your institution, IBT and Digital Turf will partner with you to add value, retain customers and provide the highest quality of Website Design and Development, Branding, Social Networking and Digital Marketing.

"Working with Digital Turf has been a pleasure - they are creative, fast and fun to work with. Importantly, they are committed to helping community banks enhance their web presence in order to increase their relevance in their respective markets".
- Mark Sheffield, Executive Vice President - Roscoe State Bank
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IBT's Online Banking Solution, i²OLB, allows your customers to access their accounts anytime from anywhere. i²OLB is a comprehensive, turnkey Internet banking platform that enables financial institutions to leverage today’s most cost-effective delivery channel by establishing robust, fully branded, secure Internet banking sites.

i²OLB’s real-time capabilities include access to account balances and history, customer defined real time alerts, one-time and recurring funds transfers, account statement and check image viewing and downloads, self-directed research, check ordering, loan payments, advances, and draws. When you couple IBT's i²Core Solution with i²OLB - all transactional activity alerts are processed in real time, including loans, demand accounts, and transfers. We provide your customers with the tools they need to manage their accounts day or night, seven days a week, 365 days a year, conveniently and securely Online, which allows your institution to remain competitive in today’s technology driven environment. 

i²OLB enhances the products you offer and consistently exceeds your customers’ expectations by improving customer self-sufficiency, interaction, and loyalty by leveraging the power and convenience of the Internet to provide greater account control for all parties.

Benefits & Features:

  • View Account balances, transactions and details
  • Loan Payment Capabilities
  • Real-time Alerting
  • E statement delivery
  • Secure Messaging
  • Stop payment Requests
  • Online bill pay
  • Electronic bill pay
  • Online Transfers
  • Remote deposit Capture
  • Personal Finance Management

IBT understands that Online Banking is here to stay.  Let IBT maximize your customer convenience and help you remain competitive in this new technological era with i²OLB.

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ACH processing increases efficiency and easy handling to meet transaction volume growth. Automated processing provides a multitude of advantages:

  • Online access
  • Automated settlement
  • Multi-institutional processing
  • Robust risk mitigation tools
  • Debit authorization/protection
  • Comprehensive return item processing
  • Extensive reporting

In addition, you can implement a comprehensive solution and expand your service offering with a range of easy-to-integrate add-on modules including:

  • Automated scheduling and arrival payment processing
  • Prefunding
  • Dual authorization
  • ACH positive pay
  • SEC code and debit return monitoring
  • Customer activity reporting
  • OFAC monitoring
  • Check to ACH conversion

Benefits

  • Eliminate costly manual processes
  • Maximize efficiencies and productivity
  • Enhance customer servicing and satisfaction
  • Expand business services and offerings
  • Enjoy 24/7 support from industry experts
  • Improve regulatory compliance and mitigate risk across your automated clearing house payment processing system 
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Wire Transfers

IBT can provide an Internet based solution that allows your customers the convenience of wire transfer capabilities for International and Domestic transactions.

Features For You

  • Complete Administrative console
  • Full Reporting and Auditing capabilities
  • File delivery from your business customers
  • Email Notifications
  • OFAC compliance

Features For Your Business Customers

  • Upload and send Fed compatible wires
  • Create and submit wires
  • Create, save and send repetitive wires via template creation station
  • Email notifications
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ACH processing increases efficiency and easy handling to meet transaction volume growth. Automated processing provides a multitude of advantages:

  • Online access
  • Automated settlement
  • Multi-institutional processing
  • Robust risk mitigation tools
  • Debit authorization/protection
  • Comprehensive return item processing
  • Extensive reporting

 

In addition, you can implement a comprehensive solution and expand your service offering with a range of easy-to-integrate add-on modules including:

  • Automated scheduling and arrival payment processing
  • Prefunding
  • Dual authorization
  • SEC code and debit return monitoring
  • Customer activity reporting
  • OFAC monitoring
  • Check to ACH conversion

 

Benefits

  • Eliminate costly manual processes
  • Maximize efficiencies and productivity
  • Enhance customer servicing and satisfaction
  • Expand business services and offerings
  • Enjoy 24/7 support from industry experts
  • Improve regulatory compliance and mitigate risk across your automated clearing house payment processing system 
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Consumers have more choices today than ever before!  IBT can help your customers choose wiser. Because our i²EFT system supports the most widely used ATM and Debit card systems in the industry, IBT allows you to choose the system that is best for you.  Manage your entire card base from one consolidated system and wow your consumers with convenience and efficiency. 

i²EFT supports your payments platform and card base - in real time. IBT offers competitive features that will help you gain success in the marketplace. 

Benefits include:

  • Creation of card holder accounts
  • Service fees
  • Card status
  • Card limits
  • Customer level overrides
  • Real time environment
  • Support services
  • Anytime, anywhere financial convenience

Let IBT help you provide your consumers with convenience.

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General

  • Cust. Information File
  • OFAC scans
  • BSA
  • Real Time Alerts, DDA, Loans, ACH, Wires, etc.
  • Relationship profile
  • Profitability analysis
  • Account templates
  • Board, executive and line management
  • Graphic Reporting system
  • General ledger/budgeting
  • ACH warehouse
  • Real-time and/or batch posting
  • Automated account balancing
  • Combined statements
  • Card Management

Deposits

  • DDA, Money Market, NOW and Savings
  • Account Analysis
  • Overdraft Protection
  • Bank defined service charge routine
  • Integrated image retrieval
  • Club
  • Health Savings Accounts
  • Certificates of Deposit
  • On-line NSF, Non-posts & charge-back processing
  • Sweep accounting
  • Tickler system 
  • Safe deposit box management

Loans

  • Consumer, Real Estate, Commercial/BSA, LOC, Ag/Farm Credit, HE
  • Mortgage Servicing, Fannie Mae and Freddie Mac
  • Overdraft protection (Ready Reserve)
  • Full escrow, ARM accounting
  • Tickler system 
  • Dealer Floor Plans
  • Amortized
  • Single Pay
  • Balloon
  • Fixed/variable/or combination of rates
  • Credit bureau reporting
  • FASB fee reporting
  • User defined late payment routines
  • Debt cancellation Insurance

Reporting

  • Board, executive and line management reporting
  • Graphical reporting system
  • Over 300 standard reports
  • Automated report processing to COLD, printer or branches
  • Customizable reporting
  • Excel or Simple “drag and drop” tool for “ad hoc” reporting

Professional Services

  • Complete disaster recovery
  • Full building, data line/communications and real-time data recovery
  • Communication network services
  • Comprehensive training
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IBT Capture Solutions, i²RDC, allows customers to scan checks or remittance coupons using a multiple item check scanner and transmit check images and data directly to your financial institution for faster processing. i²RDC accepts customer deposits from anywhere, allowing you to remain competitive in existing and new markets.  Attract customers with convenience, cost savings, expanded deposit windows and the greener side of business that this service offers.

Business Capture

Provide your business customers with a convenient and economical new service.  Your business customers are now able to scan and deposit checks without going anywhere.  All that is needed to get started is a one time fee, simple to use check scanner. Provide your business customers with a service that understands their needs.

Mobile Capture

Allows consumers to scan documents such as business cards, receipts, and checks with their mobile device.  Once the mobile device has captured this information it is sent directly to the financial institution in real-time using wireless broadband Internet services.

Home Capture

Deposit your check from the comfort of your own home. With a personal computer, a secure Internet connection and a flatbed scanner, account holders simply log in to Online banking and make a deposit.

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IBT’s Mobile Banking Solution, i²Mobile, provides your customer’s with mobile banking, real time alerts and payment solutions for all size banks and credit unions. Real-time alerts ensures that your institution and your clients receive information as soon as it happens.  Through the alert, the customer can make immediate decisions regarding their accounts.

i²Mobile enables your institution to expand market presence and potential while enhancing customer convenience, self-sufficiency, and loyalty with the ability to perform routine banking transactions using a cell phone, PDA, or other mobile device; attracting new clients, enhancing customer retention, and improving customer service.  In these challenging times, it is important for businesses to maintain their competitive edge by offering mobile banking and payment solutions that enhance customer experiences and increase business efficiency. 

i²Mobile also provides you with essential end user analytics.  This data captures your clients’ needs. This helps you decide how your clients are using your services, and if they are satisfied with your service. 

  • Features and Benefits
  • Increase market penetration
  • Retention of valuable clients
  • Reduce costs
  • Customer Convenience and efficiency
  • Real-time, alerting, account updates, and deposit information, etc.
  • Mobility, your account goes with you. 

Bring the possibility of combining all information from ancillary applications into meaningful data, retrievable from one location, into a reality.

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IBT has partnered with two of the best-in-class leaders of automated lending and account origination solutions that integrate with our i²Core Solutions to help provide you and your customers with the best possible software solutions available.

Wolters Kluwer is a strong industry leader for the banking industry.  Wolters Kluwer Financial Services’ solutions include integrated and stand-alone compliance and work flow tools, documentation, analytics, authoritative information, and professional services. Customers include banks, credit unions, mortgage lenders, securities, and insurance organizations of all sizes throughout the United States

Harland Clarke, provides superior customer acquisition performance can lead to market-differentiating earnings growth. Given the strong relationship between customer acquisition and top-line and bottom-line performance, it is not surprising that financial institutions are refocusing their efforts on increasing volume through targeted new customer acquisition.

Whether your organization is a bank, credit union, processing account-based transactions is large part of your daily process. Each transaction is a reference point that reflects the speed, service, efficiency and overall competitiveness of your organization.  IBT’s Account Origination Solution provides all of the documentation needed within one platform to open accounts and loans and then integrates the needed data into our i²Core accounting solution, eliminating duplicate entry of information. 

IBT helps you satisfy your customers and maximize your workforce.  Let IBT take the uncertainty out of your account processing.  

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IBT’s i²Core provides a complete package and most advanced, innovative financial software solutions. i²Core provides the right products, improves operations, reduces costs and mitigates risk. i²Core allows you to view all of your customer's data, relationships and transactions in a real-time environment. 

Designed as either a complete in-house or service bureau application, i²Core provides a stable, proven system that utilizes the latest in Microsoft© technology to deliver consistent information to all of your customer touch-points. 

i²Core can be partnered with i²Suite for a fully integrated approach of ancillary products, such as our i²Teller Solution, i²OLB (Online Banking), Debit and Credit, i²Mobile, i²Docs and more, in a single sign-on, dashboard application. IBT offers virtually every application you need to run you institution with our portfolio of user friendly, feature rich banking products and applications.

IBT’s i²Core enables you to meet the specific challenges of your marketplace, efficiently and effectively.   IBT is your true technology partner that provides integrated solutions either in-house or as service bureau, with a system that is scalable, flexible, easy to use and cost effective.

Core accounting

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Account origination

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Mobile banking

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Payment solutions

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Online banking

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Teller

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Capture Solutions

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Document Imaging

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Telephone Banking

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Customer Tracking

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Item Processing

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Archive

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Print Services

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Data Center

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Press Room

15 December 2016
CEDAR PARK, TX – December 19, 2016 - XCEL Federal Credit Union (XCEL) of Bloomfield, NJ has partnered with IBT to integrate various payment, lending, and content management services in a streamlined user interface, improving performance for its members. XCEL initiated their search for a new digital banking provider when the previous vendor was reluctant to incorporate certain partners into the digital banking channels. They chose IBT based on their understanding of the importance of systems integration, and their eagerness to develop new integrations that provide members with more robust,...
8 December 2016
CEDAR PARK, TX – December 12, 2016 - Capitol Credit Union of Texas (CCUTX) of Austin, Texas established a collaborative partnership with IBT, transforming their digital banking presence. Continuous billing issues, lack of communication, and cumbersome processes left CCUTX feeling overlooked by their last provider. Poor customer service and follow-up prompted the institution’s search for a new vendor. “We were impressed with IBT’s mobile capabilities. Not only has the platform been in the market for many years and proven reliable, it will grow with us,” said CCUTX President and CEO,...
17 October 2016
CEDAR PARK, TX – October 17, 2016 – IBT, Inc., and Deluxe Corporation, have joined forces to help community financial institutions drive greater financial performance. In an agreement with Deluxe Financial Services, IBT will now offer Bankers Dashboard and Credit Union Dashboard (collectively Deluxe Performance Dashboard) to clients using i2Core. IBT’s i2Core helps financial institutions improve operations, reduce costs, and mitigate risks by providing the ability to view all client data and transactions in a real-time environment. Financial institutions use Deluxe’s Performance...
2 June 2016
CEDAR PARK, TX – June 07, 2016 - First National Bank of Las Animas, Colorado replaced all of its existing systems with IBT’s integrated cloud solution, i2Suite, which includes core processing, online and mobile banking, document imaging, and integrated image teller. FNB Chief Operations Officer, Tina Eck said, “Our long-standing relationship with some service providers made us reluctant to make a change. IBT’s solid relationship with industry vendors put us at ease and gave us the confidence to move forward knowing our customers would continue to have a positive experience. Our recent EFT...
9 May 2016
CEDAR PARK, TX – May 11, 2016 TransPecos Banks selected IBT to upgrade its core processing platform and in the process, found a like-minded strategic partner. Following a months-long hunt and seemingly endless research into a new core provider, TransPecos’ seminal moment was at IBT’s annual User Conference. There, bank personnel saw firsthand that IBT is significantly different than big box providers, and that the core values of both organizations are in direct alignment. Emphasizing integrity, prioritizing customer service, and fostering innovation permeate the work environments. These...
26 April 2016
CEDAR PARK, TX – April 27, 2016 - Capitol Credit Union (CCU) joined forces with IBT to revolutionize their digital banking presence. Monthly rate increases and service level concerns left CCU feeling taken advantage of. “In my experience, smaller credit unions have to fight twice as hard to be heard, especially when dealing with vendors who have national footprints and FI customers with billions in assets,” said Pierre Cardenas, President and CEO of CCU. Small credit unions (assets <$100 million) account for 75% of U.S. credit unions. To compete with larger institutions, they require...
29 March 2016
CEDAR PARK, TX – March 30, 2016 - Stockmens National Bank of Cotulla, TX completed their migration to IBT’s state-of-the-art systems. IBT develops and hosts a suite of powerful and scalable banking applications that exemplify the next generation of processing and data management solutions for financial institutions.The bank upgraded to a real-time digital banking environment with platform automation utilizing i2Core, IBT’s innovative core processing platform. That, along with a suite of new services will allow Stockmens to serve its customers with a more forward-thinking technology. “The...
22 February 2016
CEDAR PARK, TX – February 23, 2016 – Champion Bank of Parker, Colorado bolstered their installation of IBT’s core platform by deploying i2Suite, a cloud solution which enables the bank to streamline processes and expand their reach.Champion Bank is a small community bank whose staff lives in the community they serve. As such, relationships are paramount. Executive Vice President Valerie Holden appreciates a time-honored relationship with the IBT team. “The majority of the staff has been in place for years, so I’ve been able to cultivate relationships with folks in various departments, and I...
5 February 2016
CEDAR PARK, TX – February 5, 2016 – Sunrise Bank of Cocoa Beach, Florida has selected IBT, Inc., to upgrade its core processing platform and provide a host of integrated solutions.  i2Core, IBT’s state-of-the-art core processing platform, will allow Sunrise Bank to serve its customers more efficiently and with a more advanced technology. “The ability to view all client data and transactions in a real-time environment will help Sunrise Bank improve operations, reduce costs and mitigate risk,” says IBT Director of Sales Steve Thomas.IBT offers a full suite of feature-rich products and...
7 January 2016
CEDAR PARK, TX – January 8, 2016 - IBT, Inc. and First Arkansas Bank & Trust (FAB&T) of Jacksonville, Arkansas have announced a new partnership designed to modernize and expand the bank’s digital presence. FAB&T will implement IBT’s mobile, online banking and bill payment channels. IBT digital banking channels are fully integrated, delivering simple yet superior functionality across the digital landscape. The bank can tailor its message and digital presence to the community it serves, increasing adoption and satisfaction while adding value to the relationship. The IBT digital...
23 November 2015
CEDAR PARK, TX - November 23, 2015 - IBT, Inc., A leading financial services firm and powerful SaaS core processing and data management solutions provider, announced today the overwhelming success of its 2nd annual user's conference in Austin, Texas October 11­-13 of this year. Community banks gathered from around the country, expressing enthusiasm and enjoying the camaraderie of meeting one another and the IBT team. "IBT's theme this year was Moving Forward Together, which couldn't be more appropriate. Big box banks and big box vendors are no longer built to service the communities or...
26 October 2015
CEDAR PARK, TX - October 20, 2015 - IBT, Inc., a leading financial services firm and powerful core and software solutions provider, announced today that the Stockmens National Bank of Cotulla, TX has chosen IBT's state of the art Core and Teller Platforms. The new technology will enable The Bank to address customers' needs in a more cost effective and resourceful manner to meet the specific challenges of the ever changing banking landscape.Stockmens Bank was organized in 1904, and is considered the most respected financial institution in La Salle County and offers a full array of banking...
17 August 2015
CEDAR PARK, TX – August 12, 2015 - IBT, Inc., a leading financial services firm and powerful core and software solutions provider, announced today that the Citizens State Bank of Lankin, ND has chosen IBT as its Core provider. The new technology will allow the Bank to address customers’ needs in a more effective and efficient manner and meet the specific challenges of the ever changing banking landscape.“Citizens State Bank was established in 1905 by James H. Vorachek. Today, brother and sister Jim and Margie Vorachek still own a majority of the bank and are firm believers in the personal...
24 June 2015
CEDAR PARK, TX - , June 24, 2015 - IBT, Inc., leading provider of cutting edge banking applications, announced today that the Merchants and Farmers Bank of Salisbury, Missouri has chosen IBT as its Core provider. The technology will allow the bank to meet the specific challenges of the marketplace efficiently and effectively.Ron Schepker, CEO of Merchants and Farmers Bank stated "We were with our core provider for over 20 years. About a year ago we felt the need to upgrade our technology as a whole. We were on the verge of new projects and used the opportunity to look at what other companies...
8 May 2015
CEDAR PARK,TX - May 6, 2015 - IBT, Inc., leading provider of cutting edge banking applications, announced today that Farmers State Bank (FSB) of Brookston, Indiana has signed with IBT to upgrade its core platform and all its integrated solutions. This new technology will enable the bank to meet the specific challenges of the marketplace efficiently and effectively providing new automation and convenience to its customers."We are doing a full core conversion and adding enhanced online banking, mobile banking and cash management products like deposit capture. In order to survive in this...
31 March 2015
CEDAR PARK, TX - March 30, 2015 - IBT Inc., a leading provider of powerful core banking solutions, watched as their IBT Difference internal philosophy manifested itself in ways that drove great success and growth in 2014. This dynamic combination of cloud based robust solutions and a dedicated customer care model led to an increased growth of 20%, making 2014 one of the most successful in recent years.Today, banks are hungry for solutions that will help define them in the market place. IBT's Core and i2Suite delivers a robust, scalable, and integrated solution that includes core...
28 January 2015
CEDAR PARK, TX - January 28, 2015 - IBT, Inc., a leading provider of cutting edge banking applications, announced today that First National Bank (FNB) of Eagle Lake, Texas has signed with IBT to replace its core platform.  FNB will take advantage of IBT's fully integrated customer facing cloud solution, i2Suite. This new technology will enable The Bank to meet the specific challenges of the marketplace efficiently and effectively while providing maximum convenience across all channels.Sam Kana, President and CEO of First National Bank, commented that he first became familiar with IBT...
19 November 2014
CEDAR PARK, TX - November 19, 2014 - IBT, Inc., a leading provider of cutting edge solutions for community financial institutions announced today the overwhelming success of its inaugural annual user's conference in Texas October 12­-14 of this year.CEO Mark Dittman set the tone for the conference with an opening address that captured the spirit of "The IBT Difference" and IBT's commitment to product scalability and robust retail and business banking. The two day agenda included topics such as CEO to CEO discussions, industry roundtable, Compliance, Disaster recovery and a glimpse into...
2 October 2014
CEDAR PARK, TX - October 2, 2014 - IBT, Inc., a leading provider of cutting edge solutions for community financial institutions announced today that Allied First Bank of Oswego, IL has deployed IBT's remote deposit capture (RDC) function to streamline operations, improve back-office efficiencies and reduce risk with a user friendly experience. "Allied first began as an American Airlines credit union; then in June of 2007 received a commercial bank charter. We pride ourselves on being automated - we offer many of the same products that larger financial institutions use. However, we still...
18 September 2014
CEDAR PARK, TX – September 18 2014 - IBT, Inc., a leading provider of cutting edge solutions for community financial institutions announced today that Peoples National Bank of Mt. Pleasant, OH will convert to IBT’s Core system with all its integrated customer facing solutions.Elizabeth W. Campbell, President of The Peoples National Bank of Mt Pleasant stated, "We knew we needed to modernize our services.  The systems we were using were good but were from multiple vendors. The ability to provide additional electronic banking services and near-real-time account updates for our customers...
16 July 2014
CEDAR PARK, TX – July 16, 2014 - IBT, Inc., a leading provider of cutting edge solutions for community financial institutions announced today that First Bank in Wadley, Alabama has converted to IBT’s Core platform. The Bank will also take advantage of its complimentary ancillary cloud solutions which will enable them to meet the specific challenges of the marketplace, efficiently and effectively across all customer facing channels.Jared B. Kirby, President/CEO of First Bank said, “At First Bank we serve rural communities.  One would think that the areas of growth would be limited. Our...
5 June 2014
June, 2014 (Independent Banker Magazine) The Commercial Bank is an independent community bank serving the financial needs of the citizens and businesses in Oglethorpe and Athens-Clarke County, Ga. The Commercial Bank’s commitment to the communities has remained unchanged since it opened in 1924 with its simple philosophy: dedicated to providing personal financial services with a commitment to the community.As one of the few remaining locally owned and operated community banks serving the Athens area, The Commercial Bank has the unique ability to...
3 June 2014
Austin, Texas (PRWEB) June 03, 2014FI-Mobile, a digital banking solution provider for the financial industry, announced today that it will offer a complete online banking solution to credit unions. FI-Mobile and core software developer, IBT, have entered into a new partnership to launch a modern, scalable and cost-effective digital banking solution. Credit unions that need to modernize their online and mobile infrastructure and want to offer competitive online products and services can rely on FI-Mobile as their single resource for all their digital banking needs.FI-Mobile provides a complete...
21 April 2014
CEDAR PARK, TX – 4/21/2014 - IBT, Inc., IBT, a leading provider of cutting edge solutions for community financial institutions announced today that Dillon Credit Union in Hutchinson, Kansas has completed the installation of i2CUBC, a SaaS Sharedraft Solution. Tellers can efficiently scan sharedrafts creating an image deposit that is sent directly to the correspondent or corporate credit union. This smooth workflow has a positive impact on business operations. As a standard feature, images are also available for immediate viewing through IBT’s integrated web channel. The advanced...
9 April 2014
CEDAR PARK, TX –April 9, 2014 -IBT, a leading provider of cutting edge solutions for community financial institutions announced today that Peoples Independent Bank in Boaz, Alabama has converted to IBT’s Core platform. The Bank will also take advantage of its complimentary ancillary cloud solutions which will enable them to meet the specific challenges of the marketplace, efficiently and effectively across all customer facing channels. “We knew we needed a new core system.  What we were using was very outdated. With the customer experience as our number one goal, we were looking for...
25 February 2014
CEDAR PARK, TX – February 25, 2014 - IBT, Inc., Innovation + Integration creates The Power in i2Suite. IBT, a leading provider of innovative solutions for community financial institutions, has launched i2Suite, its newest cloud based technology that anchors its integrated products. IBT’s i2Suite provides the most cost effective, digital, enterprise wide solution for driving growth, creating efficiency, and improving the customer experience. This SaaS delivery model has continued to drive client growth with the addition of six new core and payment processing relationships during the...
16 January 2014
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3 December 2013
CEDAR PARK, Texas, December 2, 2013, Innovation. Imagination. Integration.IBT, is a leading innovator of financial services products and best of breed solutions. IBT provides cost effective enterprise wide technology which improves process and the customer experience for financial institutions. Today, IBT announced that Texas-based Schwertner State Bank has installed IBT's Branch Capture and Remote Deposit Capture solution. The Texas-based bank's decision was designed to streamline operations, improve back-office efficiencies and reduce risk with a user...
29 August 2013
CEDAR PARK, Texas, August 29, 2013 - Innovation. Imagination. Integration.IBT, a leading innovator of best of breed solutions of cost effective, enterprise wide technology for financial institutions announced today that Alta Vista State Bank in Alta Vista, Kansas has chosen IBT’s i2Core product as the foundation of the product suite which provides a stable, proven enterprise wide environment that utilizes the latest in technology to deliver consistent information across all customer delivery channels. Alta Vista’s conversion to the IBT product Suite will enable them to drive efficiency,...
10 July 2013
CEDAR PARK, Texas, July 10, 2013 - Innovation. Imagination. Integration. IBT, a leading innovator of best of breed solutions of cost effective, enterprise wide technology for financial institutions announced today that The First National Bank of Cunningham, Kansas (FNBC) has chosen IBT's suite of  products with i2Core as the foundation which provides a stable, proven, enterprise wide solution that utilizes the latest state of the art technology to deliver consistent information across all customer delivery channels. FNBC will have the ability to seamlessly leverage the entire portfolio...

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