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Treasury Management

Our Treasury Management services help reduce your workload, increase profitability and make sure you don’t waste two of your most important assets – time and money.

Digital Banking – Information Services

Experience a seamless, comprehensive platform with full functionality on your computer, tablet and mobile device; one that’s built for business.

  • Access previous day’s account balances and transactions
  • Transfer funds between Independence Bank accounts
  • Download to Quicken®, QuickBooks® or Excel/CSV
  • View cleared check images
  • Reorder checks
  • Business Bill Pay
  • Pay Independence Bank and external loans
  • View statements
Treasury Management Digital Banking
  • Originate direct deposit of payroll
  • Cash concentration or disbursement
  • Vendor payments
  • Represented checks
  • Stop payments and domestic wire transfers
  • EFTP tax payments
  • EDI – Electronic Data Interchange reporting
  • Draft for collection of payments/donations
  • Multiple-user access
  • Dual-control option
  • Business Alerts
  • OOBA – Out of Band Authentication
  • Enhanced transaction reporting
  • International wire transfers
Remote Deposit Capture

Make your bank deposits from anywhere, anytime with our convenient web-based remote-deposit capture service.

  • Reduce trips to the bank
  • Eliminate costs related to transporting checks to the bank
  • Track and manage deposit activity across multiple store locations
  • Utilize free scanner with eligible account types
Positive Pay

One of the most effective tools available today to help reduce the risk of check fraud.

  • Matches the account number, check number, dollar amount and payee name of each check presented for payment against a list of checks previously authorized and issued by the company
  • Integrates with Independence Bank’s systems to provide an additional front line defense against check fraud
  • Provides online exception management that allows for businesses to make pay-or-return decisions
  • Alerts you by email or text (SMS) if a check exception needs to be reviewed for a pay-or-return decision
Sweep to Line of Credit

Minimize interest expense and automatically transfer funds to help reduce overdraft risks.

  • Excess collected balances that 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

Simplify your disbursements by combining funds and maximizing the use of your cash.

  • Designed to be used either as a concentration or disbursement system
  • Operates like a normal checking account
  • Transfers funds automatically to or from the concentration account after all debits and credits have posted, bringing the account balance to zero
  • Allows your company to segregate various disbursement functions such as payroll, while eliminating pre-funding of separate accounts
  • Eliminates overdrafts, over-funding and manual transfer of funds and allows control from one central account
Lockbox Services

Simplify the collection and processing of your account receivables with the addition of lockbox services.

  • Real time processing and deposit activity
  • Eliminate filing and paper storage
  • Auto-post to customers’ accounts
  • Reduce manual data entry errors
  • Cash balancing of all transactions
  • Reduce rejects from billing system through Business Rules by paper
  • HIPPA Compliant
Merchant Services

Deliver what today’s customers want most – speed, security and convenience. We offer integrated solutions designed for businesses of all sizes.


  • Business Merchant Services Include:
  • Visa® and MasterCard® acceptance, as well as all other major credit cards, including American Express® and Discover®
  • Debit card acceptance
  • Check products
  • Electronic check conversion
  • Recurring ACH
  • Electronic Benefits Transfer Acceptance (EBT)
  • Gift and loyalty card programs
  • Ecommerce payment solutions
  • Wide variety of processing options
  • Point of sale
  • Wireless options
  • Internet processing
  • Software
  • EMV capable terminals

We recognize that local businesses are what drive our communities forward. That’s why we make a point to support local all year long, because together we are stronger. We call this notion Local Love.
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