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Even More Independence.

The thing about a revolution is it's always evolving. From the time we began our banking revolution, our top priority at Independence Bank has always been to elevate the quality of life for our customers, communities and employees. That way of thinking has provided us with the opportunity to take our revolution to the next level, and we could not be more excited to share this piece of Independence Bank's history with you as we introduce Project Innovation, a bank-wide initiative coming this fall. As a customer, you'll have access to new technology that will make navigating your finances and transactions faster and more convenient than ever.

What is Project Innovation?

Innovation encompasses a way of thinking, finding not just a new way to do things, but a better and smarter way to do them. Some may call that revolutionary; we sure do.

Project Innovation will give you as a customer access to new technology that will make navigating your finances and transactions faster and more convenient than ever. With advanced products like mobile payment services such as Apple Pay and person to person payments (P2P), you'll have access to the revolutionary banking services you want at your fingertips 24/7.

Upgrades to current products such as statement enhancements and single sign on between mobile and online banking will enhance your banking experience and freedom to make your financial life easier.

It is important for us to meet you as a customer where you want to be, whether that is online or face-to-face. So with these new features will come the freedom to customize your banking experience to what suits you best.

Chris Reid Chairman & CEO

Why it matters

We are improving our customers', communities' and employees' lives by bringing them revolutionary banking no matter where they go. As we continue to build upon the revolution, it is our priority to remain true to the values that make us who we are; the values that made you choose Independence Bank. As we invest in technology that will allow our employees to better serve you, it is our hope that we will enhance your quality of life by allowing you to get back to the things you enjoy most.

We work hard every day to meet the needs of you as a customer, and we want to continue our focus of meeting the needs of our communities through sponsorships, volunteering and being a resource for those in need. And just as we look to the future in our own business, we want to continue investing in tomorrow's leaders in our markets through our scholarship program, as well as other educational programs and events. Because when we all succeed, our communities are stronger.

Important Dates

  1. Enhanced Feature Details Available

    Customers will receive additional communication on all of our new and enhanced features. It will outline the steps you'll need to take to maximize these upgrades, as well as a more detailed timeline to keep customers informed about important dates.

  2. Receive Project Innovation Checklist

    You will receive additional communications to keep you updated on the launch of Project Innovation, including a checklist of helpful items and tips as well as important dates to remember.

  3. Bill Pay Enhancements Begin

    Bill pay enhancements will begin. If you have a new payment to schedule during this time, just visit one of our 25 locations or call 1-833-686-1776.

  4. Online and Mobile Banking Enhancements Begin

    We will be preparing our system for the launch of new and enhanced features. We invite you to visit one of our locations or call 1-833-686-1776, and a member of our team will be happy to assist you with your banking needs. Need access to funds on the go? No problem. You'll also have access to any Independence Bank ATM and over 55,000 Allpoint ATMs worldwide to withdraw cash and transfer money.

  5. Experience Revolutionary Banking at the Next Level

    Innovation is here! All of the exciting features and enhancements will be available for you as an Independence Bank customer to enjoy.

  6. More features and upgrades

    Project Innovation continues with more enhanced features and upgraded technology to give you even more independence in your banking.

We're Here to Help

As we prepare for system upgrades, we invite you to visit our locations or call our customer service line and allow a member of our team to assist you with your banking needs.

Because when we all succeed, our communities are stronger.

Feature Highlights

Digital Banking

Experience seamless, comprehensive digital banking online and on your phone with full functionality on both platforms. Transfer funds between accounts, view your account history or access your statements – with the simplicity of one username and password.

Explore the capabilities of the new digital banking platform.

Launch Demo

Personal Finance Manager

Take charge of your financial life with our new Personal Finance Manager that allows you to get a complete snapshot of your finances. Combine your Independence Bank accounts with external accounts to understand your overall spending habits, set a budget, track your expenses and create a personal financial statement. Set financial goals and track your progress, all in one place.

Own and operate a business? The Personal Finance Manager gives you access to all the features above and allows you to integrate external business accounts in one place to get a complete snapshot of your business's finances.

Secure Messaging

Securely send and receive documents pertaining to your finances through our new online portal. Access your monthly statement as well as your personal and business tax documents and correspond with Independence Bank team members through our online message center.

Text Banking*

Get quick and easy balance information, transfer funds and more with text banking. Get real-time updates on your account 24 hours a day, 7 days a week by simply sending a text to our short code, 662-265. To take advantage of these services, you must be enrolled in Digital Banking and register your phone number.

Telephone Banking

You can access information pertaining to your checking and savings accounts, loan accounts, CDs and IRAs 24/7 from a touch-tone phone. Check your balance, review previous deposits and withdrawals, access your current loan balance and other information specific to your account activity. Telephone banking can also assist you with lost or stolen debit cards and allow you to initiate a transfer of funds between accounts.

Move Your Money

Securely move money when and where you want it, without writing a check or withdrawing cash. Transfer money through digital banking from one Independence Bank account to another or to and from an external account at another financial institution. Schedule transfers in advance or easily set up recurring transfers.

Person-to-Person Payments

Pay back family and friends, or give a gift by transferring funds from your Independence Bank account in real time to another individual's account securely and easily using person-to-person payments.

Bill Pay

Pay your bills, set up one-time payments, schedule future payments or create a recurring payment schedule all through Independence Bank's digital banking platforms.

External Transfers

Moving money just got easier. Transfer funds between your Independence Bank account and external accounts quickly and securely.

Card Services

Debit card management

Manage all the debit cards issued to you in one place. Forget your card at a restaurant? No problem. Easily toggle your card on or off in real time and control card functionality without disrupting recurring transactions.

Debit Card management isn't limited to just personal cards; enjoy all these features for business debit cards as well.

Text alerts*

Manage your account through customizable text alerts in real time to help you monitor your account's activity. Get notifications whenever a transaction is approved or denied. Easily manage your text alerts through digital banking.

Mobile Wallet

A convenient and safer way to pay. Mobile Wallet allows you to add your Independence Bank debit card to your mobile device or wearable technology. Pick the app that is compatible with your device, such as Apple Pay or Google Pay, to make payments at participating retailers without bringing your physical card. You can even send and receive money electronically directly to and from anyone with person-to-person payments, safely and securely.

Round Up Savings

If you enroll in our Round Up Savings program, your transaction total will round up to the nearest dollar every time you swipe your debit card, automatically depositing the extra change into an Independence Bank savings account. Save for vacation, build up an emergency fund or donate your savings to your favorite charity.

Businesses that make frequent purchases are also eligible to enroll. Use the extra cents as an employee Christmas fund or toward your charitable giving budget.

Enhanced statements

Enjoy visually enhanced statements that provide a snapshot of your account activity in an easy-to-read format. Choose the way you wish to receive statements and opt into multiple delivery methods. Eliminate filing and shredding paper statements by opting into emailed statements or online statement access through digital banking. If you are currently enrolled in electronic statement, you will continue to receive electronic statements.

If you would like to update your statement delivery preferences, you can customize them by calling 1-877-621-1776 or visiting your nearest location.

October history will be reflected in two statements showing your complete transaction history for that month.

Online Mortgage Application

Get a jump-start on finding your home by applying for your mortgage online before you come in to see one of our loan officers. Get pre-approved or access our financial calculators to help you prepare for the homebuying process.

Learn More

Online Account Opening

Choose from a variety of Independence Bank accounts to open online, anytime, anywhere by visiting 1776bank.com or through digital banking. Select multiple products to open at the same time and simply take a photo of your driver's license or ID with your mobile device or a tablet to autofill pertinent information. Select the features you want for each account and customize how you want to fund the account. If you need to leave the application and come back, you will be assigned a unique confirmation number that will allow you to pick up right where you left off.

Business Banking Features

Spend more time doing what you love with business solutions that reduce your workload while increasing profitability, preventing you from wasting two of your most valuable assets – time and money.

Payment Processing

Processing payments should be simple and automated. Through Project Innovation, they will be. Assign payment tasks to team members with set entitlement controls so you can keep your focus where it needs to be.

See individual deposit information even when pushing through multiple deposits at once and ensure your payments are correct every time by creating an approval process through the new dual-authorization feature.

Payroll Solutions

Every business's greatest asset is its people. Keep your focus on your team with enhanced payroll solutions that allow you to schedule an ACH file to send at the same time every month without manually entering data.

Need to push payroll through on the go? You will be able to initiate and approve all activity through your mobile device with one single sign-on.

Lockbox Services

Our comprehensive lockbox services provide a unified payment stream allowing businesses to improve cash flows, recover uncollected revenue and address aging accounts all within one system. In addition, receive powerful dashboards and reporting for insight into your accounts receivable process.

All data and images are encrypted and securely stored within an integrated database allowing you to eliminate filing and paper storage. Understand your customer better than ever with an advanced suite of data analytic tools by creating customized reporting, trends analysis, detailed profiles and predictive models. Enjoy real-time processing, auto-post to customer accounts and much more through our new lockbox services.

Wire Transfers

Wire transfers are a quick and easy way to securely send money. With Project Innovation, you will be able to initiate and send wires online or on your mobile device through our digital banking platform.

Online international wires will also be available through Project Innovation along with expedited wire transfers for those times you need money moved quickly.

Enhanced Reporting

Build custom reports tracking ACH payments, wires and activity for all users through our upgraded reporting capability. Create reports to track positive pay and all items that have been decisioned.

All reports can be pulled as needed or generated at the same time every month to provide a consistent look at your business's finances.

Quicken® and Quickbooks® DirectConnect

Access a fast, reliable and integrated platform that allows you to manage all your finances in one place. Keep up to date without having to import your history or update login information.