Online Banking

Information Reporting (View Only)	Cash Management (ACH Origination)
Access previous day account balances and transactions Transfer funds between Independence Bank accounts *Download to Quicken®, QuickBooks®, MS Money® View cleared check images Reorder checks	Includes all features of Information Reporting Direct Deposit of Payroll Electronic Federal Tax Payments (EFTPS) Cash Concentration or Disbursement Vendor Payments Represented Checks Bill Payment

Saves time on daily account management, improves funds management and cash flow processing, and streamlines operations, reducing workload and increasing productivity.

Sweep Investment Account ++

• Automatically invests excess collected balances each night in an overnight repurchase agreement.
• Necessary funds are transferred to your FDIC insured checking account the next day to cover checks.
• Interest is posted daily to the sweep account.
• Saves you time by reducing the time spent each day on investment decisions, increasing the return on cash balances and offering liquidity to cover checks while investing excess funds.

++ Sweep account funds are invested in government securities and are not FDIC insured; not a deposit or other obligation of, guaranteed by, Independence Bank; subject to investment risk; including possible loss of principle invested.

Sweep To Line of Credit

• Excess collected balances are moved to a business line of credit each night reducing interest expense.
• Funds are pulled from the line of credit to cover checks presented against the checking account, which decreases idle funds.

Zero Balance Account

• Designed to be used either as a concentration or disbursement system.
• Operates like a normal checking account.
• After all the debits and credits have posted, a transfer is automatically generated to or from the concentration account bringing the account balance to zero.
• This allows your company to segregate various disbursement functions such as payroll, while eliminating pre-funding of separate accounts.

This account eliminates overdrafts and over-funding, manual transfer of funds and allows control from one central account.

Merchant Services

Independence Bank offers a totally integrated payment solution for businesses of all sizes. Our Merchant Services program has extremely competitive processing rates on a wide variety of products.

Look at a few of the programs we have to offer your business:

• Visa® and MasterCard® acceptance and all other major credit cards including American Express® and Discover®
• Debit Card Acceptance
• APS Check Products
  • Electronic Check Conversion
  • Recurring ACH
  • ARC Lockbox
• A FREE Automated Check Return Recovery Program
• EBT - Electronic Benefits Transfer Acceptance
• Gift and Loyalty Card Programs
• Internet Payment Solutions
• A wide variety of Equipment
  • Point of Sale
  • Wireless Options
  • Internet Processing
  • Software

Account Reconcilement

• Account reconcilement services are offered online through QuickBooks®, Quicken® and Microsoft Money®.
• A file can be extracted directly from our banking system and imported into your accounting software for quick and efficient reconcilement.

*Independence Bank does not guarantee and is not responsible or liable for the failure of these products or services. Any warranties relating to these software products and services shall be provided exclusively by Microsoft Corporation and/or Intuit Inc.(not Independence Bank). Quicken® and QuickBooks® are registered trademarks of Intuit Inc.; MS Money® is a registered trademark of Microsoft Corporation; VISA® is a registered trademark of Visa, Inc. in the United States and other countries; MasterCard® is a registered trademark of MasterCard Worldwide and its subsidiaries in the United States; American Express® registered trademarks of American Express Company and Discover® Card a registered trademark of Discover Bank, all used with permission.