Annual physical exams.  Annual performance reviews. Annual closet clean-out.  Lots of us perform "routine maintenance" on an annual basis just to review what's changed over the past year and to make sure we're up-to-date.  Or we want to make sure we have everything we need and evaluate what we need to do differently going forward.  But have you ever thought about doing an annual checkup on your mortgage? 

How often do you hear this when checking out at a retailer: "Are you a member of our loyalty program?" or "Do you have your rewards card with you today?"  These days, consumers can easily collect a keychain full of bar-coded fobs designating their loyalty to certain merchants.  The programs aren't a passing fad.  In fact, studies show that loyalty and reward programs are growing in popularity because of the benefits they offer to both businesses and consumers.  The great news is that these programs are no longer just for the big box stores--there are some simple ways small business owners like you can show your customers how much you appreciate them, and keep them coming back!

Spring is in the air (well, today anyway) and your cabin fever is at an all-time high.  Maybe you're beginning to think about home improvement projects, or simplifying and downsizing, or maybe you're out of room and ready to move into a bigger space.  If making these dreams a reality means a loan is in your future, there are a few simple steps you can take to make sure your credit is in good shape before you apply.

Animal shelters have been quite the controversial subject in northwest Alabama in recent years.  Across our six counties newspaper headlines and social media posts have amplified the voices of animal advocates of all kinds who are passionately fighting for funding, facilities and support for the shelters...some of which are struggling to remain viable with the limited resources they are allotted. Most shelters rely upon community donations and support from volunteer groups and rescue organization to assist them with supplies and services and to help find homes for our furry friends.  And although volunteer groups, shelter staff, and rescue organizations may disagree from time to time, when it comes right down to it, they are all working toward the same goal: to save the animals.  

Your mobile device provides convenient access to your email, bank and social media accounts. Unfortunately, it can potentially provide the same convenient access for criminals. Bank Independent recommends following these tips to keep your information – and your money – safe.     

It's been said that in order to succeed in business, a small business owner should secure trustworthy relationships with three types of professionals: an accountant, an attorney and a banker.  Each of these partners provide crucial services to help your business grow.  But how do you know you've chosen the right one?

The pre-Christmas tornado outbreak that ravaged our neighboring communities in Mississippi and Tennessee inevitably brought back memories of April 27, 2011 and the storms that changed the lives of so many in Franklin, Lawrence and Limestone Counties.  In the midst of the devastation, events like these tend to bring out the best in so many folks.

You know when you call Bank Independent's Customer Service team you're greeted with a kind and friendly, "Welcome home to Bank Independent.  How may I direct your call?" That lovely voice you hear is our Switchboard Operator Elizabeth.  She's been part of our team for many years (I'm not sure that she'd want me to tell you just HOW MANY years...). Elizabeth is a great supporter of our Toy Share drive.