Welcome to IBT!

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Highlights of IBT’s i²Core Solution

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