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The Details that Drive the Solution


It is said that 87% of an iceberg’s volume is found below the water’s surface. For business owners, this analogy may sound familiar. So much of the work you do to help your business thrive takes place behind the scenes. The same can be said for our Treasury Solutions.

When a new, potential client reaches out to Bank Independent, one of our dedicated sales consultants immediately begins the legwork to learn your business. They communicate with you early on to understand your business practices, your current needs and your plans for growth. With this information, your sales consultant can begin creating a solution custom built for you.

RDC and Mobile Deposit

Bank Independent offers two options for depositing checks into your business account without having to make a special trip to the branch. Remote Deposit Capture, or RDC, from your desktop is perfect for businesses depositing more than 25 checks a month. If your business will deposit fewer than 25 business checks each month, consider the benefits Mobile Deposit for Business offers. Use your Mobile Banking app to deposit up to 25 business checks per month using your mobile device at no charge.

RDC lets you scan checks through a telephone-sized check scanner. The device reads each check, creates a stored image, and prepares a deposit ticket. Simply confirm the amount of each check and deposit totals, then transmit the information through a secure connection. Deposits made by 8:00 p.m. Monday through Friday are credited the same day. Enjoy easy access to online deposit reports.

ACH Payments

Automated Clearing House (ACH) is a secure and convenient process to electronically transfer funds from bank-to-bank and account-to-account. ACH can work well for any size business to simplify how you handle credit and debit transactions. Deposit payroll into your employee’s individual accounts and reduce the need for paper checks and lost employee time used to deposit paychecks.

Reduce potential errors and delays from paper checks in general. ACH avoids the delays and allows you to pay vendors’ invoices or collect customer receivables electronically and on time.  Bank Independent also offers Same-Day ACH, which means ACH recipients will receive funds in their accounts on the same business day the ACH was originated.

Positive Pay

A great way to protect your business accounts from unauthorized check transactions is to enroll in a service like Positive Pay. You upload to Online Banking a file listing information about any checks written from your Bank Independent business checking account. When checks are presented for payment, we compare the checks to the information you submitted through Positive Pay.

If the information does not match, we do not complete the transaction. You will be notified through a manner of your choice, whether by text, email or within Sync Online or Mobile banking. You can pay or return check exceptions easily through online or mobile banking. Positive Pay gives you added control over your business account, not to mention peace of mind.

Credit Cards

Enhance your business banking relationship with a Bank Independent Credit Card to amplify purchasing power and easily manage business expenditures. You'll enjoy the same great hometown service and local decision-making you've come to expect, plus the worldwide MasterCard® benefits your business needs.

On-site and On-going Customer Service

Now that your sales consultant has helped custom tailor your business solution, your dedicated Treasury Solutions representative will visit with you on-site to help set up your products and services. We’ll come to your place of business and help you set up your equipment and ensure you have the training to utilize your suite of services.

Not every business has a place of business. And some business have changed how they allow access to outsiders in the current environment. That’s not a problem for our team. We’ve adopted DocuSign technology which allows us to sign and close contracts remotely. With video conferencing capability, we can also meet virtually with customers providing the right balance between technology and personal service.

Treasury Solutions

Our team is responsive to your needs. When it comes to business banking, there is typical outsourced customer service, and then, there is hands-on, custom-tailored, local, customer service. It all goes back to our 70+ year ongoing belief that a community bank, helping local people is the key to making a positive difference in the community. 

We truly believe that if businesses in our communities succeed, our economy thrives.   We are here to help you with:

  • Checking, savings and other deposit accounts,
  • Loans and credit cards,
  • Cash management solutions,
  • Merchant services (including cutting-edge technology),
  • Online and mobile banking tools,
  • And more.

Give us a call Monday through Friday from 8:00 a.m. to 5:00 p.m. at (256) 386-5000 or (877) 865-5050 to speak to a Treasury Solutions Specialist.

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Bank Independent does not endorse, nor is responsible for the content in the linked 3rd party websites. Bank Independent's privacy policies do not apply to these linked websites.

Bank Independent does not endorse, nor is responsible for the content in the linked 3rd party websites. Bank Independent's privacy policies do not apply to these linked websites.