Online Banking

Revolutionary banking means the freedom to bank wherever you want, whenever you want. Independence Bank offers online banking to customers with a checking or savings account, or mortgage loan that provides real-time access to account information as well as the ability to:

  • make a loan payment
  • view electronic statements
  • view your transaction history
  • see check images
  • transfer money between internal accounts
  • schedule bill payments

For more information, check out our free business banking online demo and personal banking online demo.


The information given here is designed to serve as a guide for online banking customers. Any questions you have regarding our online services will be answered here. If you do not find the answer to your question below, please contact your nearest Independence Bank location for further information.

Q: How do I get my account set up for online banking?

A: In order to set up new Independence Online service, you will need to fill out and sign an online enrollment form. This form basically lists your account numbers, includes your name and has a signature. Without your signature authorizing the account numbers to be set up for Internet access, we cannot process your application.

Click here to download, print and complete an online banking enrollment form, then return it to your nearest Independence Bank location to get started.

Q: How long does it take to set up a new account?

A: After you complete your online enrollment form, just drop it by any Independence Bank location. Typical turnaround time is 48 hours or less.

Q: What do I use for my login ID?

A: Your login ID will be assigned to you prior to activation of your Independence Online service.

Q: Do I need to fill out another online enrollment form if I close my current account and open a new one?

A: Yes. Because your account number has changed, we ask that you complete another enrollment form so we can set up your online service again.

Q: What fees are associated with online banking?

A: There is no charge for personal customers with Online Banking to view account balances, pay bills through Express Pay, transfer funds between Independence Bank accounts and view images.

Q: What is the cut-off time for my Internet transactions?

A: The cut-off time for Internet and telephone banking transactions is 5:00 p.m. CST. This means that transactions done before 5:00 p.m. CST on the Internet system will be processed that same business day. Any transactions done after 5:00 p.m. CST will be processed the next business day.  The cut-off time for all Express Pay transactions is 4:00 p.m. CST.  Online Bill Pay transactions done after 4:00 p.m. CST will be processed the next business day.

Q: Am I required to change my password on a set interval?

A: Yes. The online banking system will prompt users to change their passwords every 90 days. The passwords must be unique, meaning that you CANNOT use the same password three times in a row. Please make sure to use a password that is hard to guess yet easy to remember. Also, new passwords must be at least 8 to 16 characters in length and must contain both numbers and letters.

Q: What happens if I forget my password?

A: If you forget your password, just click on the “Forgot my Password” link on the login page and a temporary password will be emailed to the address on file.

Q: How long does it take for a new password to take effect?

A: You will receive email notification of a new password within minutes. Please make sure your current email address is on file.  If new passwords are requested at an Independence Bank location or by phone, they will be activated within 24 hours. Attempted logins during this time may cause further delays.

Q: Is there a time-out period if I don’t use my account for a certain amount of time?

A: Yes, 6 months.