Log In

Privacy Policy

Visitors to this bank website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

  • Date and time our site was accessed
  • IP address (A numeric address given to servers connected to the Internet)
  • Web browser used
  • City, state and country

The Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via email or online registration forms. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.

Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the Web server to log the pages you use within the site and to know if you have visited the site before.


Independence Bank does not share information about you unless permitted by Title V of the Gramm-Leach-Bliley Act of 1999 and other applicable laws and regulations.

Confidentiality And Security

We restrict access to “nonpublic personal information” about you to those employees who need to know that information to provide products and services to you. Employees who violate this policy will be subject to disciplinary measures. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Information We Collect About You

In the course of providing financial services and products to you, we may collect “nonpublic personal information” about you from the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us, our affiliates or others
  • Information we receive from a consumer credit reporting agency


Independence Bank website is not directed to individuals under the age of thirteen (13). We do not solicit and knowingly collect information from children under the age of 13 without parental consent. We request that these individuals do not provide any personal information through the Independence Bank website. If a parent or guardian has become aware that their child has provided us with information without their consent, he or she should promptly contact us and we will delete any information deemed personal. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website.

Email Privacy

Independence Bank is in accordance with the provisions of the CAN-SPAM Act applicable to financial institutions. The subject and header information on emails from Independence Bank will accurately depict contents of email. Independence Bank utilizes email marketing to promote products, services and general information. All email messages contain Independence Bank contact information and link to unsubscribe from receiving future emails.

No Disclosures Outside of Exceptions

We may disclose “nonpublic personal information” about you to non-affiliated third parties who assist us in providing bank products and services to you. We do NOT disclose your “nonpublic personal information” to anyone except as allowed by federal law or as disclosed in this notice. Confidentiality of nonpublic personal information is maintained even if you decide to close your account or your account becomes inactive.


Independence Bank takes great pride in providing our customers with extraordinary customer service. We understand that good customer service starts with honest and complete disclosure about our products and services. Since many of our disclosures are defined by federal and state laws and regulations, we use the model language that is provided to us. Many times this language can be confusing. Please call us if you have any questions concerning the information provided in our disclosures and agreements at 270-686-1776 or toll-free at 1-877-621-1776.

We are happy that you are interested in learning more about how Independence Bank handles your accounts. To quickly review an Independence Bank agreement or disclosure, you may click on a link below. All you need is Adobe Acrobat Reader 7.0 or better to read any of the disclosures available on our website. You can find the Bank’s current Privacy Policy, Deposit Account Error Resolution Notice, Online E-Sign Disclosure Statement, Reg E Disclosure (Electronic Funds Transfer Disclosure) and Reg CC Disclosure (Funds Availability Disclosure) by viewing the full consumer disclosure or the full business disclosure.

Independence Bank Loan Privacy Policy

Independence Bank Loan Billing Rights Summary

Independence Bank Trust and Investments Privacy Policy

Independence Bank Business Funds Availability Disclosure

Independence Bank Consumer Funds Availability Disclosure


If you have any questions regarding these notices, please contact our Privacy Compliance Officer, Kim Hurt, at 270-686-1776 or write to P.O. Box 988, Owensboro, KY 42302.