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Take control of your finances by banking anytime from the comfort of your computer or tablet with ONE Wallet online banking.

Visit your local branch, call the Customer Experience Hub at 800.355.0641, or enroll yourself on the homepage of our website.

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Are you a visual learner?

Watch our videos and interactive click-thru demos!

 

Check Out Video Tutorials


 

For questions about ONE Wallet Online Banking, please call the Independent Bank Customer Experience Hub at 800.355.0641. Representatives are available Monday-Friday from 8 am-8 pm and Saturday-Sunday from 8 am-6 pm (ET).


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Plus, enjoy this Swipe Tracker!

Easily track your monthly debit card swipes, and see how close you are to reaching the next interest tier with Swipe Stats. The more you swipe, the more you earn—it’s that easy!

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.

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.

My friend was recently the victim of identity theft. Now she is faced with the overwhelming task of cleaning up her damaged credit. How can I prevent the same from happening to me?
The Federal Trade Commission estimates that the average victim of identity theft is unaware of the ...

The Federal Trade Commission estimates that the average victim of identity theft is unaware of the problem for 12 months. A lot of damage can be done in 12 months, costing a substantial amount of time and money to reconcile. The following tips will help reduce your risk of identity theft.

Protect your Social Security Number (SSN):

  • When applying for a loan, credit card, or anything requiring a credit report
  • Request that your SSN on the application be truncated or destroyed, and that your report be returned to you once a decision has been made.
  • Be cautious about giving out your SSN, as it is the key to your credit report and other financial or personal information.
  • If your school uses your SSN as your student ID number, request a different number.
  • Monitor your credit report: Periodically review your credit report to ensure accuracy of information and address discrepancies immediately.
  • Make sure to monitor your credit report with all three credit bureaus (Equifax, Experian, TransUnion) to ensure no one applies for credit using your name.
  • The official site for free reports is www.Annualcreditreport.com.

Credit Card & Personal Information Precautions:

  • Don’t carry extra credit cards or other ID documents unless needed. If your purse or wallet gets stolen, you’ll be in a world of hurt – if you carry it all with you.
  • Make copies of your credit card account numbers, expiration dates, and phone numbers, and keep them in a secure place.
  • Examine all charges on your statements before making a payment.
  • Shred all credit card offers, receipts, and statements at home. Never throw them away without masking private info.
  • Never give out personal information over the phone unless you have initiated the call and can verify the business is legitimate and trustworthy.
  • Cancel unused credit card accounts right away.

    Source: BrassMagazine.com
What does the “variable interest rate” on my credit card bill mean? Why can they raise my interest rate?
Credit cards have an annual percentage rate (APR), which can be fixed or variable. There is a ...
Credit cards have an annual percentage rate (APR), which can be fixed or variable. There is a difference.

Variable rate: allows the lender to change your APR based on external influences such as the Prime Rate (the rate banks give to their best members). Variable rates can change without prior notification.

Fixed rate: this is deceptive because the rate actually can change. Missing a payment or going over your credit limit could give your issuer license to raise your rate. You must get at least a 15-day notice before your rate changes.

Teaser rate: the initial interest rate lenders advertise to entice you to sign up. Special promotions that offer “0% APR” are for a limited time – after that, the rate will likely increase. If your bill doesn’t look correct, check your credit agreement then contact your issuer. Try ConsumerReports.org for help or contact the Comptroller of the Currency at 800.613.6743 to investigate unjust interest rate raises.

Source: BrassMagazine.com
I’m graduating from college in June and have been hearing a lot about loan consolidation. What is student loan consolidation and how does it work? Do you recommend this method of repayment for student loans?
Essentially, you can consolidate multiple federal student loans with variable interest rates into ...
Essentially, you can consolidate multiple federal student loans with variable interest rates into one fixed-rate loan and extend your repayment period from 10 years to up to 30 years. The interest rate for your consolidated loan is either 8.25% or is based on a weighted average of the underlying loans, rounded up to the nearest one-eighth percentage point – whichever is less. The determined interest rate is locked in for the life of the loan.

Consolidation is not the best option for everyone, so do some research before making a decision. Always make sure that you clearly understand the terms of the loan. The federal government allows a six-month grace period from the day you graduate until loan payments must begin. If you choose to consolidate during this time, your grace period will be waived and you will have to start making payments immediately. However, some of the lowest rates are offered during this grace period. Once you consolidate, the interest rate is locked in for the life of the loan. Consolidate federal and private loans separately. Unlike private loans, interest on federal loans may be tax deductible, and you might be able to defer payments if you go back to school.

Source: BrassMagazine.com
What should I do if my wallet is stolen?
Call our 24-hour Telephone Banking service immediately at 888.300.3193. Follow these recommended ...
Call our 24-hour Telephone Banking service immediately at 888.300.3193.

Follow these recommended tips:
  • You may want to make an itemized list of everything that you carry in your wallet—credit cards, licenses, etc.
  • Keep copies of important account numbers and customer service phone numbers in a safe place for easy reference.
  • File a police report that includes the list of items in your wallet and request a copy of the report for your records.
  • Contact the three major credit reporting companies (Experian 800.397.3742, TransUnion 800.680.7289, and Equifax 888.766.0008), and have a fraud alert put on your credit report.
  • Contact your bank(s), change the account numbers on any compromised accounts, and change your PINs. Keep a close eye on your accounts for three months and look for any fraudulent charges or unauthorized activity.
  • For more information on identity theft, check out IdTheftCenter.org or ftc.gov.
How can I make deposits 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.
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