Skip Navigation Download Adobe® Acrobat Reader to view Portable Document Format (PDF).
International Financial Enterprise Bank. The Evolution of Finance.


Soft Open: The FAQ's below may reference a product and service that is not available during our soft open period.  Please do not hesitate to contact us if you have questions.  You can call us at 214-739-2424 or by email at

Account Opening

How do I make an opening deposit?
Select any Account Opening button . This will redirect you to our secure online account opening environment. We tried to make it as easy as possible. We also encourage you to watch our video on How to Open an Account.

What personal information is required to open an account?
To protect you and us from fraudsters, we require you to share a little bit about yourself and to provide proof you are who you say you are.
We will need the following:
  • Contact Info: Your mailing address, phone number, and email address
  • Identification: A government issued photo ID (drivers license, passport, green card, etc)
  • Reporting: Your social security number (if not a US citizen, your passport, visa, or green card number)
  • For added security: a selfie
  • Funding your new account: Your current bank account or debit card number

What is KYC or Know Your Customer?
KYC is a very important acronym for banks. Banks are required to make their very best effort to ensure their products and services are not being used to support or conduct any illegal activity. The "Know Your Customer" is designed to prevent banks from being used, intentionally or unintentionally, by criminal elements for money laundering activities. The process of KYC entails identifying the customer and verifying the identity by using reliable and independent documents or information.

What does IFEB do will all my personal information?
We protect it. We use your personal data with our analytical capabilities to better serve you. We never sell it. Please see our Privacy Policy for all the details.

Do I need to be a US resident to apply online?
You do not need to be a US resident. IFEB is an international bank. We can accept deposit from almost any country in the world. You will be required to comply with our Know Your Customer requirements including a government issued photo ID.

Can I open an account with my phone?
Yes, it is actually easier with your phone.

Are there minimum opening deposit requirements?
Yes, there is a minimum amount required at opening. We call that "funding the account". The amount is minimal and varies depending on the product.

What Deposit Accounts does IFEB offer?
Follow this link to our consumer deposit account details.

Bill Pay

Is there a charge for bill pay services?
No, the service is included in your monthly subscription fee.

How do I sign up for bill pay?
You are automatically setup in Bill Pay. This signup is included as you set up your online banking. If you have not setup your online banking service, click here.


Do you offer Certificate of Deposit (CD) accounts?
Yes, Follow this link to our time deposit account details.

What types of Checking Accounts does IFEB offer?
Follow this link to our consumer deposit account details.

Are my Deposits insured by the FDIC?
IFEB is unique in that we offer FDIC insured deposit accounts and non-FDIC deposit accounts. There are advantages to each. IFEB is not an FDIC insured entity.  We leverage a partner bank.

Do you offer Individual Retirement Accounts (IRA)?
Not yet. This is coming soon.

How much does Overdraft Protection cost?
Overdraft Protection is included in your monthly subscription fee. With this services, IFEB will not reject the item(s) that resulting in your account balance going negative and keeps you from having to pay a return check fee to the payee. In doing so, IFEB is paying the bill for you. The cost of this extension of credit until your balance can be brought back into a positive position is what helps define our Overdraft Protection services.

Do I still pay a fee when I overdraw my account?
We don't want you to ever have an overdraft fee. We also realize this can happen to anyone. This is why we design our subscription fee the way we did. We will send your text or email notices when your balances drop below a certain level. We will send you an immediate notice if your available balance goes negative. If you end the day in a negative position, you have until the end of the next business day to bring the balances back into a positive position. At this point, there will be a charge. Overdrafts do cost the bank an out of pocket expense and it is not fair to our other customers to absorb this cost.

Are my Deposits safe with IFEB?
Yes, Non-FDIC insured deposits are at risk if the bank was to Fail. However, IFEB is a financial sound bank with a conservative lending policy. We also maintain a capital ratio that is better than what the regulator classify as a "well-capitalized" bank.

Do you offer savings accounts?
Yes, Follow this link to saving account details.


How do I contact customer service about my account?
You can communicate with us in multiple ways.
Call us: 1-833-623-6021
email us:

Where are IFEB's Offices?
We have two physical locations. Stop by at any time and we'll share a cup of coffee. [locations]

What is a International Financial Entity
It is a type of bank charter similar to a state and national bank charter. An IFE is an international charter issued by the Commonwealth of Puerto Rico. It allows IFEB to do business almost any where in the world. Oversight of the IFE charter is handled through the Office of the Commissioner of Financial Institutions "OCIF".


What mobile devices can I use to access my IFEB Accounts?
Today we support iOS and Android. You can download the IFEB Mobile in the App Store and Google Play

What banking can I do on my phone?
The bank is in the palm of your hand. You can do all your banking with your phone. You can download the IFEB Mobile App in App Store and Google Play.

What banking can I do over the phone?
Our telephone banking services can support the majority of your banking needs. Each of our customer representatives are trained and empowered to meet your banking needs.

Is there a difference between accessing my account on my phone versus my tablet?
No, the functionality is the same across all devices. Pages may look slightly different as it adjust to fit the size of the screen.

What is a Trusted Device?
This is a personal device that you control and can keep safe. This means your personal phone, laptop, computer, etc. All other devices are considered not as secure.

What is a Private Network?
Relates to your internet connectivity. Private networks includes your home and work network. Typically it requires an access code and is available to a limited and known set of individuals.

What is a Public Network?
Relates to your internet connectivity. An example of a public network is your coffee shop or any internet access that is shared with strangers.

Can I make deposits through my phone?
Yes, follow the link to our Mobile Deposit Capture capabilities.
What is Text Banking?
You can easily check your account balance, look at your transaction history, or transfer money with text banking. You must sign-up for Text Banking. Follow the link to our Text Banking capabilities. Click here for the Text Banking Terms and Conditions.

What are the key words for Text Banking?
BAL = check your balance
HIST = shows last six transactions
XFER = move money between accounts

Other Products

How do I get a cashier's check?

How do I wire transfer money within the US?
Follow this link to our Domestic Wire Transfer details.

How do I wire transfer money Internationally?
Follow this link to our International Wire Transfer details.


What if my card is lost or stolen?
Call this number immediately: 1.833.623.6021. This number goes directly to IFEB's credit card support center. We will freeze your lost card and help you with a replacement card.

What should I do if I see a transaction that isn't mine?
Contact us immediately no matter the size of the transactions. Fraudster will often attempt a small transaction first.
Call us: 1-833-623-6021
email us:

What should I do if my identity has been stolen?
Contact us immediately:
Call us: 1-833-623-6021
email us:

We will help you protect yourself and your money.