Welcome! This process will take about 10 minutes and there are two (2) steps: Account Sign Up Account Funding Benefits of Joining Free Checking Low interest rate loans 24/7 online account access Free Online Bill Paying Personalized financial solutions Lifelong Membership The personalized service that makes us unique Membership REWARDS - savings on products and services Or if you'd prefer you can download our Membership Application using Adobe Acrobat! You can also call us at 800.873.5100 or 561.982.4700, or email us at serviceplus@ibmsecu.org for an application and more details.   New U. S. Government Account Identification Regulations: USA PATRIOT Act effective October 1, 2003. Click here for more information.