Can I Transfer Money From One Bank To Independent Bank?
Automobile Loan Account Questions
How can I pay my vehicle loan online?
Just click here. All other payment options are explained hither.
How can I get an amortization schedule on my loan?
You may request an amortization schedule from Customer Service, or we accept loan calculators that can be plant hither.
Tin I change my due engagement?
Yep, you tin. Y'all can movement the due appointment forrad up to 15 days or to the terminal twenty-four hours of the month, whichever is beginning. A one-time fee may apply to this service. If you lot would like to larn more, please contact Customer Service.
How exercise I cancel my warranty/service programme?
You demand to consult your dealer to cancel your warranty.
Why haven't I received a statement or bill yet?
Revolving loans receive a monthly argument, and are mailed the 25th of each calendar month. Installment loans are issued a coupon book. The booklets are issued for upwards to 36 months at a time. If your loan is longer than 3 years, then a 2nd booklet will be issued approximately 21 days earlier the adjacent due date.
How do I remove my proper noun from the loan?
For any modify in signers, the loan must be refinanced. Contact Customer Service, for more data.
Why is my payoff higher than my regular payment?
The payoff is made up of your electric current chief balance, involvement due, plus any service charges or fees, which may or may not have assessed the loan.
How can I get a copy of my title?
Reach out to customer service for a copy of your title.
Where do I send my state'south asking for my title?
Fax your country's title asking form to (901) 844-0381.
Neb Pay Questions
How do I enroll for bill pay?
Bill Pay is a service funded by your i-bank checking account. But log into online banking, click on the "Bill Payment" tab and consummate the registration class. Within one to three days, you will be able to log in to bill payment, add your payees and schedule payments.
How can I add a payee?
Add the new payee name in the "Pay Someone New" field, and then click "Add". Enter the payee data to set up payments to the new payee.
When will the payment I authorized be debited from my account?
The funds will exist deducted from your account within two concern days of the payment processing engagement.
Can I schedule automatic recurring payments?
Of course you can. Simply click on "Options" for the payee, and choose "Automated payment" to set upwards an automatic recurring payment.
Has a pecker-pay particular cleared, and can I get a copy?
If the bill was sent by bank check, then click on the check icon adjacent to the bill. If the payment was sent electronically, we tin provide a copy of the confirmation, or you tin contact our Nib Pay Support at (800) 823-7555 to order the confirmation.
Can I have more than one neb payment account?
Absolutely. You can set up more than than one checking account with bill pay. To add a new funding account, click on "Manage Funding Accounts" found in the "I desire to…" box.. Then click on "Add an business relationship." You will be then asked to confirm ii micro deposits, which will announced in your account inside a day or two. After you have confirmed these micro deposits, the secondary funding account will be approved within two business days.
Can I place a stop payment on a bill payment item?
If the bill was sent by check, it may be possible to place a stop payment on it. However, if the payment was sent electronically, then we are unable to stop the payment. If you need to proceed with the stop pay, delight contact customer service for help. A terminate payment fee may apply.
How practise I update a payee'south account number?
To update a payee business relationship number, click on "Options" for the payee. Next click on "Account Data." Update the business relationship number or other changes, and click on "Relieve Changes."
Bill of fare Questions (ATM, Debit, Reloadable, or Credit Cards)
My card is lost or stolen. What practice I need to do?
To prevent possible fraud, delight written report a lost or stolen card as soon as possible (day or night), then it tin exist blocked from further use..
- Debit cards:(844) 890-2265.
- Reloadable Cards: (800) 416-6373.
- Consumer Credit Cards:(800) 558-3424.
- Business organization Credit Cards: (866) 552-8855.
To replace your card, delight contact Customer Service at (901) 844-0400 or toll-costless at (888) 716-9293.
I haven't received my PIN?
Your PIN is mailed separately from your new bill of fare. It should follow your bill of fare within ii to iii days. If you chose your own PIN, then you will not receive a PIN code in the post.
Do I have to make my offset menu transaction on my new card at an i-depository financial institution ATM?
No, you lot practice not. Once the menu has been activated, you may use it anywhere.
How do I activate my debit menu?
You can activate your chip debit carte du jour past calling (800) 627-6080. If yous have any questions, contact Customer Service at (901) 844-0400 or toll-free at (888) 716-9293.
Where are i-bank'southward ATMs?
Each branch has an ATM. Nosotros also have an ATM located within Kroger at 240 New Byhalia Road in Collierville. Y'all may also use a Showtime Tennessee Bank ATM for withdrawals, residual inquiries, and transfers free of charge.
Can you tell me what is the CVV code on the dorsum of my card?
For your security, we are unable to access the customer verification lawmaking on the back of your card. If the CVV has worn away, nosotros can reissue a new card and CVV code for you.
Tin can I view my i-bank credit carte online?
Yes, you can. In the lower left-manus department of this spider web folio or by clicking here.
Checking & Savings Account Questions
How can I reorder my checks?
You can reorder your checks online, as long as no changes need to exist made. You'll demand the routing, account, and side by side starting cheque numbers provided on your reorder skid. You lot can reorder by clicking here, or you lot may contact Client Service.
What is Independent Depository financial institution's ABA Routing number?
Our routing number for domestic wire transfers or direct deposits is 084008426.
Does i-banking company offering overdraft protection?
Our Overdraft Protection Service options gives you peace of mind. To comprehend transactions made using your checking account number (such as checks and automated nib payments), you can either link your checking account to some other i-bank eolith account, or to a cash reserve account. The funds will automatically transfer to the overdrawn business relationship, and so you can residuum bodacious that your account is covered. To cover ATM or debit menu transactions on personal checking accounts, you lot must opt-in to overdraft protection either by completing this form, visiting an i-depository financial institution location, or providing us with your consent when you open up your account. Business concern checking accounts are automatically opted into this service. For more information or to utilise for whatsoever overdraft protection service, please contact Customer Service or speak with your personal banker.
How Practise I Write a Check?
Similar everything else in life, writing a check can seem daunting until you've learned how, and information technology's not more often than not something they teach yous in school! Here's how y'all do it:
- Fill in the current date in the top right-hand corner.
- Where it says "Pay to the order of", write the proper noun of the person or business organization you are paying.
- In the box to the right of the recipient's name, write the amount yous are paying in number form (i.east. 100.25 if you lot are paying $100.25).
- On the next line, write the dollar amount you are paying in words; write the cents as a fraction (i.east. one hundred and 25/100).
- The line in the lesser left-hand corner might say "Memo" or "For". This line is optional, but it is where y'all can make a notation of why you lot wrote the bank check. This tin can exist handy for your recordkeeping.
- Sign your proper noun on the line in the lesser right-hand corner.
And that's it! You did it! Be sure to record the cheque number, date, recipient, and corporeality in your checkbook register so you can keep your account balanced.
Mobile Banking General Questions
What is Mobile Cyberbanking?
Mobile Cyberbanking is a service that enables you to access your account information, carry transfers, and pay and manage your pecker payments either by downloading our app for your iPhone or Android devices or past using your mobile device'southward web browser.
What does Mobile Banking cost?
We offering this feature for FREE, but you lot are required to subscribe to a data program through your wireless provider. You lot should check with your wireless provider whether additional fees use.
How does Mobile Cyberbanking work?
From your mobile device, simply open a browser and enter Independent Bank's homepage – www.i-bankonline.com. Or open our mobile app on your device.
Enter your user ID and countersign – the same that yous use for Online Banking – and select the Log In button. No split up or different registration is required. Respond whatever additional security questions (if needed), then select the Continue button to access Mobile Banking. In one case logged in, you can navigate to:
Admission Your Accounts and statements » Pay Bills » Make Transfers
Using our mobile app, you can also eolith checks and view your accounts beyond all financial institutions in Money Management.
Can I see transactions for a different time period?
From your mobile browser, cull "older" at the bottom of the screen to run across previous history. If you are using our mobile app, simply proceed scrolling to view your history.
My session timed out pretty apace. Tin I change the timeout value?
5 minutes is the only timeout option. For your security and protection, when there has been no business relationship activity for five minutes, the session will fourth dimension out and brandish the Mobile Web Banking log-in page with a Session Expired bulletin.
Tin can I see scheduled transfers on my phone?
Yes, simply select the View Scheduled Transfers link on the Transfer tab to see up to ten transfers scheduled over the adjacent 30 days. If you lot have more than than ten transfers scheduled, only select the View More push button.
Can I change or remove a scheduled transfer?
Yes, you can do both. On the Schedule Transfer page, scroll down and use the Edit Scheduled Transfer link to alter the amount, from account, to account and/or date for any futurity dated old transfer. Or y'all tin apply the Delete Scheduled Transfer link to remove a hereafter dated one-fourth dimension transfer.
Mobile Bill Pay/Security Questions
Tin can I register for Bill Pay on my phone?
You must first access online banking using a personal computer; click on the Bill Pay push and enroll there. Chances are that yous automatically registered for Bill Pay when you signed up for online banking. If then, all you need to do is gear up one or more payees, and yous're on your way.
Can I see completed payments on my phone?
Yep, you can. Simply select the Payment History button on the Make a Payment folio and y'all volition see the almost contempo ten payments that have been made. Utilize the More History push button to run across additional payments, a maximum of ninety days in the past. The details provided include the payee name, payment appointment, amount, and from account.
Why am I receiving an mistake when inbound my countersign?
Your password must be between 4 and eight characters. Besides, your password cannot contain leading or trailing blanks.
Why am I receiving an error when entering my user id?
The user id must be betwixt 6 and xx characters. It must contain at least one alpha grapheme, and cannot be the aforementioned every bit your Tax ID, social security number, or business relationship number with i-bank.
Is information technology safe to depository financial institution using the Mobile Cyberbanking service?
Yep, it is. To protect your privacy, yous are required to authenticate yourself, using the same information from Online Cyberbanking, on each individual mobile device. And all communication between your mobile device, wireless provider, and the mobile banking server are encrypted. In addition, your passwords, answers to challenge questions, and business relationship information are never stored past the mobile device or in the Mobile Spider web Banking application.
Is assistance available through my mobile device?
For help regarding i-bank'due south Mobile Banking service, contact Customer Service. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
Money Management Questions
What is Coin Management?
Money Direction is an business relationship assemblage tool that allows you to track your spending habits. Money Management gives you the ability to consolidate all your fiscal information in ane place, and is a helpful resource for budgeting, bill payment and financial planning.
Can I view accounts and loans at other institutions through Money Management?
Yes, y'all can. On the Home tab, y'all tin listing all of your accounts from any establishment, such as your investment accounts, mortgage, machine loan and credit cards, in the Accounts section. Your i-bank accounts will automatically exist listed.
Some of my transactions are uncategorized; how can this be corrected?
Knowing where your money is going will meliorate your spending and budgeting goals. You can categorize these transactions by simply choosing the appropriate category. You tin can as well add boosted categories, for more personalization.
How practice I track my overall cyberspace worth using Money Management?
You will observe the new Internet Worth feature on the Money Management toolbar. This feature enables you to monitor your net worth at a glance. Your internet worth is calculated by subtracting your debts (credit cards, loans, etc.) from your avails (checking, savings and other avails).
How do I set my goals and upkeep?
To prepare up your goals, click the Goals tab in the Money Management toolbar. From in that location you can click "Add a Goal."
To gear up your budget, click the Budgets tab in the Money Management toolbar. Yous can auto-generate your budget or set up a custom budget.
How do I fix up alerts and reminders?
To set upward a nib reminder or other notification, click on the Settings icon. You can set email or text notifications based on a variety of alerts.
Online Cyberbanking Questions
How exercise I enroll for online banking?
But click hither to begin the registration procedure.
When are my depository financial institution statements available online?
Yous checking or savings statement can be viewed online after your statement cuts each calendar month or quarter. An e-mail reminder volition exist sent in one case the latest statement is produced.
Tin I make my automobile loan payment online?
Yeah! Yous can pay online through our automobile loan payment website by clicking hither.
Can I place a end payment online?
You can place a stop payment on a "bank check" online. If the particular is a draft or electronic particular, please contact Customer Service.
Can I use Quicken or Quick Books programs with online banking?
You can export your business relationship data into Quicken, QuickBooks, or other compatible software, or an excel spreadsheet.
Is online cyberbanking secure?
Your computer browser must support at least 128-chip encryption. We require multiple identifications before approval each customer for online banking. And each time a customer logs in to our secure online cyberbanking, we require a user id and a password, plus an out-of-wallet identifier such equally a one-fourth dimension pass code or cookie. You lot tin always be certain of our security by noting the padlock in either the right side of the address bar or at the bottom right hand corner of your browser, if using cyberspace explorer, and also by noting that the URL starts with https instead of just http which indicates that the site is secure. For more details, you lot can refer to our online banking disclosure and our online security policy.
Practice we have secure emailing?
Yes, emails and conversation through your online cyberbanking session are secure.
Why am I receiving an error when inbound my countersign?
Your password must be between 6 and eight characters. Also, your password cannot contain leading or trailing blanks.
How long after I register for online cyberbanking, until I can log in?
We need i business day for the approving process, and so you lot should be able to sign into your accounts after you lot receive an email confirmation from us.
How do I reset my online countersign? How long will it take?
Yous can quickly reset your password by clicking the Password Reset link on the login page. If y'all need additional assist resetting your countersign, please contact Client Service.
Purchase Rewards Questions
What is the Purchase Rewards program?
This rewards plan lets yous earn rewards by using your i-bank'south debit bill of fare to buy merchandise and services. The program is bachelor to all debit Cardholders ("Cardholders"). Through this program, y'all'll receive targeted offers to receive rewards on purchases based on how you shop. Equally a Cardholder, there is no limit to the rewards you lot tin can earn. So, the more y'all use your i-banking company debit menu, the more offers you can receive and the more rewards y'all can earn!
Where do I go to see offers?
You can detect offers on the home page beneath transactions in the transaction history or in the "Purchase Rewards" section in the upper correct part of the page. Offers can also be constitute on the business relationship history page or the Purchase Rewards summary page. New offers will be labeled as "New Offers" until you click to activate them. Once clicked, the reward is "loaded onto" the associated debit card. All offers can be viewed past visiting the Purchase Rewards summary page.
How exercise I redeem offers?
Each offer is based on how you currently shop, then the offers that you receive are relevant! To redeem the offer, simply click on information technology to see the details to activate the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offering has dissimilar details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are conspicuously specified and may include a redemption lawmaking. Please read the details to determine how to redeem each offer and kickoff earning rewards.
Do I need to utilise a coupon or code to earn rewards?
Typically, you lot do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that crave an online purchase are conspicuously specified and may include a redemption code. Please read offer details to determine how to redeem each offer.
How long do I take to have reward of an offer?
Each offer has an offer period that was set by the merchant. Y'all must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
When do I receive the rewards for the offers I redeem?
Your rewards will typically be deposited to your account the month after you lot redeem the offer. Since nosotros do not share your personal information with retailers, nosotros cannot credit your account immediately at the time of purchase. For example, any rewards yous redeem in the month of September typically will be credited to your account at the finish of October. If you would like to see the offers you have redeemed or the total value of the offers yous accept redeemed, delight visit the Purchase Rewards summary page.
If I take more than than 1 account volition I run across the same offers on both accounts?
Offers are matched on an account level, based on the purchases made with your i-bank debit bill of fare for that account. If you make different purchases with different accounts, you will run across unlike offers in those accounts. Yous must employ the debit card continued to that account to redeem the offers for that account.
Tin I use whatsoever of my financial establishment'south cards to earn rewards?
Y'all have to use your i-bank debit carte that is associated with the account that received the offer to earn rewards.
Why don't I have whatever offers?
Offers are based on how y'all currently shop to ensure the offers you lot receive are relevant. If you seldom use your debit carte, you lot may not receive any offers until you begin using your card more. The more yous utilize your i-banking concern debit carte, the more chances you will have to receive relevant offers!
Yous may not be receiving whatever offers because you accidentally opted out of the program. If you cannot access the Purchase Rewards summary page or don't meet the "rewards" department in the upper right office of the new abode page, you are not enrolled in the rewards programme. Please click Join or Rejoin to be opted back in.
What if I do not want to receive offers?
You lot tin can opt out past clicking on the "Opt Out" link on the rewards summary page. This link can be institute in the lower office of the rewards summary folio. If you opt out of the rewards program at this fourth dimension, merely change your mind later, please click Join or Rejoin to re-enroll.
Is my personal information shared with retailers?
No. Your personal data is not shared with retailers. In fact, no personal information leaves Independent Bank.
Who administers this programme?
This program is administered through a third political party. All personally identifiable information is secure and is not shared with the third party. Our third party partner will make best efforts to collect all of the rewards due to you and assumes all liability for the collections. Independent Banking company is not liable for rewards, but will work with the partner to ensure a great customer experience.
Is this plan complimentary?
Yep, this program is free! There is no price associated with this program, making information technology easy for Cardholders to earn rewards. This new rewards program is just another benefit of using your i-bank debit card.
SMS or Text Banking Questions
How secure is Text Message Banking?
Text messages will never contain confidential data nearly you or your accounts and messages will never reference full account numbers. Text Message Banking is as secure every bit online banking. Rest bodacious that your data is protected with i-banking company.
Volition I be charged for Text Message Cyberbanking?
No, this service is Free. However, standard text messaging fees from your wireless carrier may apply. Delight check with your mobile telephone carrier to analyze what fees may apply through sending and receiving text messages.
Are there any shortcuts for the keywords?
Yes, the keywords are:
- STOP = Conciliate service
- Assistance = Aid on keywords
- BAL = Primary account balance
- BAL CHK = Checking account balances
- BAL SAV = Savings account balances
- BAL ALL = All account balances
- Final = Last five transactions
- TRANS = Transfer funds to primary account
Are keywords example sensitive?
No, keywords are non case sensitive. For example, yous can blazon "help" or "Aid."
How do I deactivate the Text Message Banking service?
You tin deactivate our Text Bulletin Banking service by texting Cease to 454545 on your cell phone, or y'all can return to the mobile banking folio and click the Conciliate link side by side to your mobile device number. You lot can add together a new phone at whatever time if you alter your mind later.
I still take not received my code, what practice I do?
It might take several minutes to receive your code. If you lot experience you accept waited sufficiently, you lot tin can click the Resend Code link. Please cheque your mobile device soon for a new text message. If y'all still do not receive the code, verify the correct mobile number was entered during setup.
What is a main Text Cyberbanking account?
Your chief account is the default account that we volition use when you lot text BAL to 454545. You should select the one you volition likely want to cheque most often. You lot can get all account balances by texting BAL ALL to 454545.
Can I change the master Text Cyberbanking business relationship subsequently?
Yep, you can. Simply return to the Mobile Banking page, and select the Edit link adjacent to your principal account information.
Is in that location whatever countersign needed for Text Bulletin Banking?
No, yous don't need a password to admission your account data via text bulletin.
I have a new mobile phone number. Can I change or add my number online?
Yes. You starting time need to conciliate your quondam cell phone number, and so add your new prison cell phone number. You lot can exercise this within alerts and mobile ready.
What is the number I should utilise to send my keyword text messages?
The short code is 454545. This short code will only piece of work if you have activated the Text Message Banking service on our online cyberbanking site.
Is it possible to cease the weekly account balance notifications?
Yep. Only go to the mobile banking page and click the weekly business relationship residual notifications
check box to deselect it, and then save your changes.
Tin I go a text alert when my primary account balance falls below a certain amount?
Yes. First, go to the mobile banking page, select the low balance alert checkbox and select a dollar amount from the drop‐down field (due east.thousand., $200). Thereafter, you lot will receive a low‐rest alarm text whenever your primary account residuum falls beneath this specified dollar amount.
Tin can I transfer funds into my main account using my mobile telephone?
Yes, if yous have selected a "transfer source" account on the mobile banking page. Then, for case, texting TRANS 400 to the short code volition transfer $400 to your primary business relationship from the transfer source business relationship. You lot will so receive a confirmation bulletin with updated account balances for both accounts. Delight be aware that you lot can merely transfer funds into your primary account.
I share a joint account. Can I set up two mobile phones for the same chief account?
Yep. Afterward you gear up the showtime number, you can select the Activate another phone link on the mobile banking page and and then complete the elementary two‐step process.
Consumer Disputes
How do I dispute a credit report inaccuracy?
If you feel Contained depository financial institution has reported something in error to your credit report, delight notify united states of america in writing and postal service to: Contained Bank, ATTN: Consumer Disputes Department, 5050 Poplar Ave., Ste 112, Memphis, TN 38157
Mortgage Questions
How Much House Can I Beget?
A good rule of thumb is that your mortgage payment (including belongings taxes and homeowners insurance) should not exist more than 28% of your gross income. Use our computer to determine the highest payment you can afford (Notation: this does non signal whether you would qualify for the loan).
Source: https://www.i-bankonline.com/about/faqs/
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