Online & Mobile Banking
Whether you're at home, at work, or on the go, Independence Bank online and mobile banking gives you secure access to your accounts wherever and whenever you need it. Manage your accounts securely from your computer, tablet, or smartphone.
Welcome to the New Experience!
What to Expect When You Log In
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Online Account Customers: Click the Login button at the top of our website to sign in to your account.
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Personal Banking Mobile App Customers: The first time you open the app, you’ll be asked to install an update. The update must be completed before you can access your account.
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Business Banking Mobile App Customers: Download the Independence Bank app from the Apple App Store® or Google Play Store® to access your account.
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When signing in to the upgraded system for the first time, you will use your current username and password. To confirm your identity, a one-time verification code will be sent by text message, phone call, or email. Enter the code when prompted in online or mobile banking.
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If you are unsure of your username, please call 800.823.2274 or stop by your nearest branch for assistance.
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If you have forgotten your password, select 'Forgot Password' and follow the on-screen instructions to reset it.
QuickBooks and Quicken Users
The upgrade to our new online banking requires you to make changes to your QuickBooks and Quicken software. Please click the button below to find instructions on how to reconnect to Intuit and ensure a smooth transition.
Security Reminder
Independence Bank will never contact you and ask you to provide your login credentials. Any call, text, or email requesting your credentials is a red flag.
Choose How You Bank
Online Banking
Perfect for detailed account management from your desktop or laptop
Features
- View balances for checking, savings and loan accounts
- Track transactions in real time
- Export current or previous statement transactions to your financial software
- Access statements, images of checks, and deposit slips
- Access multiple years of bank statements
- Transfer funds between accounts
- Connect to Online Bill Pay
- Make person-to-person payments with Zelle®
- Make loan payments and check current loan balance
- Monitor and manage cash flow, investments, budget, and savings goals with the Budget Tool
- Order foreign currency online, only available INSIDE retail online
Mobile Banking
Take your bank wherever you go
Features
- View balances for checking, savings and loan accounts
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Track transactions in real time
- Mobile deposit
- Transfer funds
- Make person-to-person payments with Zelle®
- Manage debit cards through MyCards
- Connect to Online Bill Pay
- Account alerts
- Biometric login available
How do I make a mobile deposit?
- Open the Independence Bank app
- Login to your account
- At the bottom of the app, select Deposit
- Select Deposit a Check
- Select which account to deposit the check into
- Enter the amount of the check
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Take a picture of the front and back of your check (To be accepted, the back of the check must have your signature and account number you are depositing into. If the check is made out to a business, please also endorse with the business name.)
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Submit your deposit.
How do I enroll in online banking?
Independence Bank online banking is easy! Submit the simple enrollment form to help us setup your online banking. You'll be managing your accounts online in no time!
If you need assistance or have any questions, give us a call at 1-800-823-2274.
Account Alerts
Stay Connected with customized alerts
Stay on top of your finances with IB Alerts! These alerts allow you to customize your account alerts so you can follow the account activity that is important to you, such as automatic payments and deposits. You can set up your account alerts by logging into Online or Mobile Banking and clicking More and then clicking Alerts. You will enjoy personalized account tracking and peace of mind 24/7.
- Deposits
- Withdrawals
- Balance thresholds
- Security activity
- Payment reminders
Stay informed about the account activity that matters most to you. Independence Bank does not charge for this service; however, message and data rates through your carrier may apply.
Need to send money to family or friends?
It is easy to get started. Simply log in to your online banking account and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the "Send Money With Zelle®" tab.
Banking with confidence
- 128-bit encryption
- Secure login credentials
- Automatic inactivity logoff
- Masked account numbers
- Multi-layer security protections
Security Tips
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Always keep mobile devices updated
- Use strong passwords
- Never share PINs
- Avoid suspicious links and messages requesting personal information
- Do not download files or click on attachments. Always check with the respective party to see if they sent you something or go to the Company's website using another device to check the information.
Please note that Independence Bank will never request that you verify information about your account or provide personal information via text message, email, phone, or voicemail. If you receive such a message or have any questions about any information requested from Independence Bank, please contact us immediately.
Need help? We're Here to Help
Questions about online or mobile banking services?
Give us a call at 800.823.2274 or check out our FAQs below for more information.
Make banking simpler, at home or on the go
See how digital banking tools can help you take charge of your finances.
Frequently Asked Questions (FAQs) about the Online & Mobile Banking Upgrade
Why did you make this change?
To streamline the process for our customers and make life a little easier! This update combines Personal and Business Online Banking into one accessible platform, featuring essential tools, user-friendly navigation, enhanced security, and a new mobile banking app.
What if I don’t know my User ID or Password?
If you are unsure of your User ID, please contact us at 800.823.2274 for assistance.
If you have forgotten your password, select "Password Help" on the login page and follow the prompts to reset it. For additional assistance with your username or password, you may also contact your local branch.
How do I log into my account the first time after the upgrade?
Follow these steps to access your account for the first time on or after October 8:
- Click the 'Login' button located at the top of our website to enter your online account or launch the mobile app. (Note: Personal customers will need to update the app, while business customers must download the new app.)
- Input your existing User ID and password.
- You will be prompted to choose how you'd like to receive your one time passcode: via text, phone, or email.
- Once you've made your selection and received the code, enter your passcode when requested.
- You will come across our 'Online Banking Terms and Conditions'—take a moment to review the information. Check the box to indicate acceptance of the Terms and Conditions, then click the 'Accept' button to proceed. If you choose to 'Decline,' you will be unable to access your account.
- After clicking 'Accept,' you will be directed to your Account Summary.
The security code I received after logging in the first time is not working - what now?
Please make sure you are using the one-time passcode provided within the text message, phone, or email and that you are not inputting the phone number that sent the code or that is listed in the message. Also, the code expires within 15 minutes, so make sure you are using an active code. If these tips don't resolve the issue, please contact us at 800.823.2274.
Did External Transfers and Bill Pay go through during the conversion?
Any external transfers or bill payments scheduled prior to the conversion (October 6 - October 8), processed as expected.
What are some enhancements I can expect with this upgrade?
This upgrade delivers a more connected and convenient digital banking experience for both personal and business customers.
Key enhancements include:
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One login and one mobile app for both personal and business banking
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A more intuitive and user-friendly experience
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Enhanced debit card controls, including travel notifications and purchase restrictions
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Continued access to the services you use today, including:
- Bill Pay
- External Transfers
- Mobile Deposit
- ACH Services
- Wire Transfers
- Merchant Capture
- Positive Pay
- Zelle®
- Budget Tool
If I have more questions or concerns, where can I find additional help?
During our Online and Mobile Banking upgrade, Independence Bank is offering extended Call-in Only Hours at 800.823.2274. Thursday, October 8th, Friday, October 9th & Tuesday, October 13th from 5:00 to 6:00 p.m. Saturday, October 10th from 9:00 a.m. - 12:00 p.m. For any additional help. please contact your local branch. Our business hours are Monday - Friday, 8:00 a.m. - 5:00 p.m.
Will I still be using the existing Independence Bank Mobile Banking app?
Yes, this is still the existing app, just upgraded.
- You'll be asked to open your existing app and follow the prompt to download the new version. After installation, log in using your current User ID and Password.
- If you don't already have our app, download it today to start using an enhanced platform and have access to all the latest features.
Personal: Upon opening the app for the first time, you will receive a prompt to update it. You are required to complete this update before you can access your account.
Business: You will need to download the upgraded Independence Bank app from the Apple Play Store or Google Play Store.
What if I use biometrics to log in via the Mobile Banking app?
If you utilize biometrics to access your accounts via our Mobile Banking app, you will need to be sure you know your User ID and Password. You will be required to enter these within the new app the first time you log in. After you have logged in, you can reestablish your biometrics for future logins.
Is mobile banking secure?
Independence Bank is committed to the safety and privacy of your information and only employs industry best practices with regards to security. To ensure the security of your account information, a number of features have been built into the Mobile Banking services:
- No Identifiable Information - Texts from Independence Bank never include any personally identifiable information, such as your full account number, email address, or mobile number. Your Access ID and Password will never be included in any of the text messages you receive from Independence Bank.
- Secure Login - Mobile Banking via Mobile Banking Web and the Mobile Banking App require a secure login for access. No one is able to access your account information without knowing your unique username and password.
- Data Encryption - For your protection, only limited information (such as your account nicknames and cached balances) is stored locally on your mobile device. All of your account data resides at your bank - just as with your Online Banking. All data placed into local storage on the mobile device is encrypted before it is stored - and it is only accessible with your PIN. This ensures that if your mobile device is lost or stolen, the data stored by the mobile application in local storage is unreadable.
Is my personal or financial information stored on my phone?
No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., Apple, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.
Which accounts can I access using mobile banking?
You can access any account you have set up in online banking. You select which accounts you want to access using Mobile Banking during the enrollment process.
How current is the account and transaction information?
When you view your account balance, you see the current available balance, including pending and posted transactions.
Can I add more than one mobile phone?
Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone, go to the Manage Devices section in your Online Banking.
What if my phone number changes?
If your mobile phone number changes, please call your local branch to have your number updated in the system.
What if my phone is lost or stolen?
If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user ID. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking.
Do I have to agree to the Terms and Conditions to use mobile banking?
Yes, you must read and accept our terms and conditions.
Can I register multiple users to the same phone?
Yes, multiple users can each log in separately on the same device.
Who do I call if I have questions?
You can reach the Havre branch at 800-823-2274 between the hours of 8:00a.m. and 5:00p.m., Monday-Friday or contact your local branch.
Is there a charge for the mobile banking service?
Independence Bank does not charge for this service; however, message and data rates through your carrier may apply.
Has my personal online banking login changed?
No, you can access your account using your current username and password. During your initial login, you'll be given the choice to receive a one-time passcode via text, phone call, or email for identity verification. Enter this passcode into the system and submit it to log in securely.
Did my account number or debit card change?
No, your account numbers and debit card numbers remain the same—there will be no changes to this information.
Did any of my personal account details not transfer to the new system?
Your Alerts, Zelle®, Bill Pay, and external transfer details were transferred over to the new system. Your recurring payments, recurring transfers, card controls, and alert push notifications did not transfer. You can re-establish these details after logging in.
Did the business online banking login change?
Upon accessing the new system, you will no longer need to choose the 'IB Corp Business' option from the dropdown menu. Your username and password will stay the same. If you are a digital soft token user, it's necessary to download the new Digipass application to activate your token before logging in. Similarly, if you use a hard token, you must complete the token activation process prior to logging in. If you happen to forget your password, simply click on the 'Forgot Password' link and follow the instructions provided on the screen.
Did any of my business account details not transfer to the new system?
Your internal transfer templates, as well as your ACH/Wire history and alerts, did not transfer to the new system. Upon logging in, you will have the opportunity to re-establish your internal transfer templates and alerts. Please note that recurring ACH payments did not transfer either, and you will need to set these up again in the new system.
What action items should I consider post-upgrade?
You will need to re-establish your Internal Transfer Templates, along with any recurring ACH payments. These did not transfer over from the current system. Please be sure to review your account details carefully to ensure everything transferred correctly.
Do you offer Zelle® for Small Businesses?
Zelle® is not currently available to our business customers. However, the new platform enables us to provide Zelle for Small Business capabilities in the future. This migration is essential to supporting the delivery of this functionality.
Who can I contact for more information?
You can reach out to your local branch or Customer Service Department at 800.823.2274 with any questions.
