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Online Banking

Take control of your finances by banking anytime from the comfort of your computer or tablet. 

For questions about Online Banking, please call customer service at 800.355.0641. Representatives are available Monday-Friday from 8 am-8 pm and Saturday-Sunday from 8 am-6 pm (ET).

 
33 Online Banking Security

Online Banking Security

We continuously monitor your account activity to keep you protected, and we’re always open to making changes that will improve the security of your accounts and personal information. That’s why we recently changed our authentication procedures. We now only allow account authentication through a phone call or text message, which is required if you’re signing into your Online Banking from a new device or location. For this reason, it’s essential that we have your current phone number in our system.

For added online security, use the following tips:

Protect Your Information When Using Public Wi-Fi
  • When using a hotspot, log in or send personal information only to websites you know are fully encrypted.
  • Don’t stay permanently signed in to accounts. When you’ve finished using an account, log out.
  • Don’t use the same password on different websites. It could give someone who gains access to one of your accounts access to many of your accounts.
  • Many web browsers alert users who try to visit fraudulent websites or download malicious programs. Pay attention to these warnings, and keep your browser and security software up-to-date.
  • Consider changing the settings on your mobile device so it doesn’t automatically connect to nearby Wi-Fi.
  • If you regularly access online accounts through Wi-Fi hotspots, use a virtual private network (VPN). VPNs encrypt traffic between your computer and the Internet, even on unsecured networks. You can get a personal VPN account from a VPN service provider.
  • Some Wi-Fi networks use encryption: WEP and WPA are common, but they might not protect you against all hacking programs. WPA2 is the strongest.
  • Installing browser add-ons or plug-ins can help. For example, Force-TLS and HTTPS-Everywhere are free Firefox add-ons that force the browser to use encryption on popular websites that usually aren't encrypted. They don’t protect you on all websites—look for “https” in the URL to know a site is secure.
Keep Passwords Safe and Secure
  • Resist the urge to have your computer save your passwords on websites through the use of cookies.
  • Create a different password for each account.
  • Select passwords that are not obvious—don’t include your birthdate, Social Security number, etc. in your passwords.
  • Change your passwords often.
Only Download from Reputable Sources
  • Use reputable sources when downloading anything online.
  • If you have not used a website before, do a quick search to see if there is any information available from other consumers who have used the website.
  • If you’re unsure, it’s best to find another reputable website instead.

If you're already enrolled in eStatements, here's how to add eNotices and eTax Forms:

  1. Log into Online Banking.
  2. Under Customer Service, select Change Document Delivery Method.
  3. Update the Delivery Method from paper to online.

If you're not currently enrolled in eStatements, follow these easy steps to enroll your accounts in Online documents today:

  1. Log into Online Banking.
  2. Under Accounts, click the drop-down and select Online documents.
  3. Click Continue to add Online documents.
  4. Select which documents you would like to receive online, and for which accounts you'd like to enroll.

Deposit eNotices Available

  • Dormant Notice
  • Transfer Notice
  • Overdraft Notice
  • CD Maturity Notice
  • CD Renewal Notice
  • Confirmation of Transaction Notice

Loan eNotices Available

  • Pending Change Notice
  • Past Due Notice
  • Loan Year-To-Date Activity
  • Escrow Adjustment Notice
  • Interest Paid by Note Statement
  • Interest Paid by Account Statement
  • Payoff/Transfer Escrow Account Disclosure Statement
  • Annual Escrow Account Disclosure Statement

eTax Forms Available

  • All Annual IRS Tax Forms

Frequently Asked Questions

How do I balance my checking account?

To get started, use the Balance Your Account form.

To get started, use the Balance Your Account form.

Why is my ATM balance different than my actual balance?

It may not reflect deposits or checks that have not cleared. To see an accurate balance, be sure to keep a check register, go to the branch, or visit online banking.

It may not reflect deposits or checks that have not cleared. To see an accurate balance, be sure to keep a check register, go to the branch, or visit online banking.

How is my personal information used?
Federal law requires all financial institutions to obtain, verify, and record information that ...
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Your information is securely stored on your account and customer records when your new account is opened.
How can I change my personal information?
If your personal information is already on file with Independent Bank, you can make changes through ...
If your personal information is already on file with Independent Bank, you can make changes through online banking to your address, phone number, or email address. Just log into your account and select the "Customer Service" tab. You can also visit any Independent Bank location. Please note some changes may require you to present documentation at your local branch.
How do I endorse my check for SnapCheck Mobile Deposit?
You should sign your check with your name or business name and “For Mobile Deposit Only at Independent Bank.”
You should sign your check with your name or business name and “For Mobile Deposit Only at Independent Bank.”
How can I make a deposit into my son's or daughter's account at college?
We know that banking for college students involves transactions both on campus and at home. That’s ...
We know that banking for college students involves transactions both on campus and at home. That’s why we make it easy to add money to your Independent Bank checking account through Independent Bank offices statewide, by mail or through wire transfers.
How can I speed up my application to open an account?
If you already have an account with us, we will automatically fill out parts of your application ...
If you already have an account with us, we will automatically fill out parts of your application using information you provided when you opened your other account. This could be information from your ATM or debit card, a deposit account (excluding CD accounts), or a loan account.
What is Independent Mobile?
Independent Mobile gives you access to your accounts from our mobile banking app, Independent ...
Independent Mobile gives you access to your accounts from our mobile banking app, Independent Mobile, on your smartphone or tablet. You can view account balances, pay bills to existing payees, search recent account activity, transfer funds, use SnapCheck mobile deposit, and find ATM or branch locations.
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