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A Revolution in Convenience.

Introducing touch-free, contactless Visa® debit cards

As we continue to innovate, we are excited to bring you advanced products and new technology that will make transacting faster and more convenient than ever. Introducing contactless Visa® debit cards from Independence Bank. Just like the contactless payment options through your digital wallet provider or wearable technology, contactless debit cards allow you the liberty to choose how you want to pay, more safely and securely.

What is Contactless Payment?

Pay quickly and securely with your new contactless Independence Bank debit card. Wireless technology makes it possible to make a payment with your card by simply tapping or waving the card above the payment reader. Look for the contactless pay wave symbol at your favorite local retailers and businesses. Answers to your most frequently asked questions.


Fast. Tapping your card is quick and easy, allowing for convenient payment options that are faster than swiping or inserting your card.
Secure. A one-time code makes every transaction possible and protects your payment information long after you're on your way. Your card will be monitored with rule-based technology designed to detect unusual transactions based on account history to alert you of potential fraud.
Touch-free. Just hold your card close to the payment reader and eliminate contact when using your contactless debit card.

How it Works

  1. Look

    Look for the pay wave symbol at your favorite local businesses when making everyday purchases.

  2. Tap

    When prompted, simply place your card within a few inches of the pay wave symbol to process payment.

  3. Go

    You'll get confirmation from the reader that the payment was successful and you're on your way! If a contactless terminal is not available, simply swipe or insert your card.

Card Services

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.

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.

Card On/Card Off

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.

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.

Our new, contactless debit cards make transactions faster, more secure and more convenient – all helping you get back to the things that matter most. Wireless technology makes your payments possible and typically only takes seconds. Not to mention, it’s cleaner because it’s touch-free.

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 our digital banking platform.

Launch Demo

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.

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.

The thing about a Revolution
is it's always evolving.

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.