financial independent bank

Independent Financial provides a wide range of relationship-driven banking products and services tailored to meet the needs of Other Bank Offerings. Find company research, competitor information, contact details & financial data for Independent Bank Group, Inc. of McKinney, TX. View Independent Financial (independent-bank.com) location in Texas, United States, revenue, industry and description. Find related and similar companies.

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Independent Financial Bank Review: New Name, Same Quality Service

Reviews / Banking

Our Take: Independent Financial, formerly known as Independent Bank, is a full-service financial institution offering a full range of accounts with competitive rates and low or no fees. Keep reading to learn more about the bank and see if it's the right place for your money.

  • Breadth of Products
  • Opening Deposit Requirements
  • Digital Experience
  • Ease of Use

How did we calculate this?

Pros

  • A comprehensive range of accounts
  • Competitive rates
  • No monthly fees for most accounts

Cons

  • Limited service area
  • Can be difficult to qualify for preferred rates

About Independent Financial

The Independent Financial brand name was introduced in 2019 to reflect the company’s increasingly diverse business model, but the company itself dates back more than 30 years. Headquartered in McKinney, Texas, Independent Financial provides personal and business banking services with a community focus. Its parent company, Independent Bank Group, operates in four markets in Texas and Colorado: Dallas-Fort Worth, Austin, Houston and Colorado’s Front Range area.

This Independent Financial review takes a closer look at the bank’s products and services.

Independent Financial Products

As a full-service bank, Independent Financial provides a range of banking and loan products. Customers can also take advantage of wealth management services through Independent Financial’s partner, Private Capital Management. Here’s a rundown of Independent’s various products:

ProductDetails
Checking Accounts
  • Basic, rewards and higher-yielding accounts, plus Platinum Checking for customers 50 and older
  • Perks like ATM fee refunds and free cashier’s checks, depending on the account
Savings Accounts
  • Basic RealSaver and Regular savings accounts
  • Competitive rates with Regular Savings
  • No or low service fees
  • High-yield Index Fund Account for deposits of $1 million or more
Money Market Accounts
  • Tiered interest rates with higher balances earning more
  • Check-writing privileges
Certificates of Deposit
  • Higher fixed rates than savings accounts
  • No setup or service fees
  • Traditional and Roth IRA CDs available
Credit Cards
  • Choose cash back, rewards points or a low introductory rate
  • College student and secured cards for building credit
Loans
  • Mortgage and construction loans
  • Auto loans
  • Personal term loans
Wealth Management
  • Investment advice
  • Estate, tax and financial planning
  • Services offered by Private Capital Management

Independent Financial Checking Accounts

Independent Financial offers checking accounts to fit a variety of needs. IntroChecking is a check-free option where customers make purchases with debit cards, ensuring their accounts can’t be overdrawn.

Free Checking is a no-frills account that offers the basics with no fees or minimum balance requirements. Free Rewards Checking and Now Checking pay interest with either no fees or fees that can be waived. Platinum Checking, for customers 50 and over, offers competitive interest rates on your entire balance and charges no monthly service fees.

Features

  • Check-free account option with IntroChecking
  • Free Checking with no fees, no minimum balance requirements and no minimum opening deposit
  • Now Checking with an annual percentage yield of 0.05% for balances under $1,500 and 0.10% for balances of $1,500 and higher
  • Free Rewards Checking with up to $20 in ATM fee refunds per month and APY as high as 1.50% if certain conditions are met
  • Platinum Checking with free checks, no service fees or balance requirements, and competitive interest rates for customers ages 50 and up

Pros

  • Competitive APY compared with many other banks
  • Wide range of choices
  • No or low service fees that can be waived

Cons

  • IntroChecking and Free Checking don’t earn interest

Independent Financial Savings Accounts

Service fees can eat into your savings, but Independent Financial waives the $10 quarterly fee on its Regular savings account when you maintain a $250 minimum daily balance. The REALSaver Savings account has no monthly service charge, and you get a higher interest rate when you link your checking account and meet transaction requirements. High-net-worth customers with a $25,000 minimum opening deposit can opt for an Index Fund savings account with tiered rates ranging from 0.10% APY to 0.30% APY. Independent Financial also offers a High-Yield Index Fund designed for deposits of $1 million or more.

Features

  • 0.15% APY on Regular Savings balances of $50 and up
  • 0.50% APY on REALSaver balances up to $15,000 when checking transaction requirements are met
  • Two free REALSaver withdrawals per months, then $2 each
  • $150 minimum opening deposit for both accounts
  • $15 monthly service charge on index fund account, but can be waived

Pros

  • $10 quarterly fee on Regular Savings balance waived with $250 minimum daily balance
  • $15 monthly Index Fund Account fee waived with $25,000 minimum daily balance
  • Excellent REALSaver APY when qualifying criteria are met
  • Low $2 excessive withdrawal fee after sixth withdrawal per month from Regular Savings account

Cons

  • No interest on Regular Savings balances below $50
  • Must make at least 12 checking-account debit card purchases and at least one direct deposit or automated clearinghouse deposit per month to earn preferred rate on REALSaver balance
  • Must have balances of $100,000 or more to earn the highest Index Fund APY

Independent Financial Money Market Accounts

  • Independent Financial’s only money market account has tiered interest rates to reward higher balances. You can also write checks directly from the account to help prevent overdrafts.

Features

  • $2,500 minimum opening deposit
  • $2,500 minimum daily balance to avoid $10 monthly service fee
  • Tiered rates ranging from 0.15% APY for balances below $25,000 to 0.35% APY for balances of $250,000 or more

Pros

  • Higher rates as the balance grows
  • Can write checks directly against the account
  • Waivable fee
  • Eligible for Bounce Protection against overdrafts beginning 30 days after account opening

Cons

  • Modest rates for balances below $100,000

Independent Financial CD Accounts

If you can do without access to your money for a while, a certificate of deposit is a good way to save. Independent Financial’s CDs are available in terms ranging from 30 days to five years. There’s also a three-year step-up CD with a rate that changes according to a predetermined schedule during the term.

Features

  • Fixed rates ranging from 0.15% APY to 0.45% APY for regular CD, depending on term; IRA CD rates range from 0.30% APY to 0.45% APY, depending on term
  • Terms from 30 days to five years
  • No fees to set up or maintain an account
  • Early withdrawals subject to penalty

Pros

  • Guaranteed returns on deposit
  • Tax-advantaged saving with IRA CD
  • Wide choice of terms

Cons

  • No premium rates for high balance

Banking Experience

Independent Financial is a Texas bank, so your experience will depend in large part on your access to branch locations and ATMs. The digital experience is also a factor, especially if you can’t or choose not to bank in person.

Customer Service

Independent Financial’s Customer Care department is available by phone Monday through Friday from 8 a.m. to 7 p.m. CT and Saturday from 9 a.m. to 1 p.m. Also, you can send and receive secure messages via the mobile app.

Branch Availability

Independent financial has more than 90 branches in Texas and Colorado. It’s best to call your local branch for lobby hours if you need to go inside as opposed to using the drive-through because most branches have reduced their hours due to the coronavirus pandemic.

Mobile and Digital Experience

When you can’t make it to a branch, you can do your banking digitally from your computer or mobile device. Online banking lets you do almost anything you’d normally do at a branch, such as viewing account histories and documents, transferring funds between accounts, and paying bills. The digital platform integrates with Quicken and QuickBooks for easy statement downloads.

The Independent Financial mobile app is available for Android and iPhone users. In addition to the services listed above, the app lets you deposit checks, enroll in text alerts and pay for purchases with Google Pay, Apple Pay or Samsung Pay. The app gets pretty average reviews from users, however, earning 3.8 out of 5 stars on Google Play and 3.9 stars in the App Store.

An additional service, Finance360, helps customers take control of their finances with a view of all their bank accounts, no matter where they are. Other features include budgeting, tracking finances and receiving real estate value estimates.

Convenience

Independent Financial scores high for convenience, at least for a community-oriented bank. In addition to the branch locations, online banking and banking by phone, Independent Financial offers surcharge-free access to more than 30,000 MoneyPass ATMs nationwide.

How To Open an Account

Independent Financial doesn’t currently let customers open an account online. Contact Customer Care or your local branch for more information.

Key Information

Customer Care Number:800-460-6634

Routing Number: 111916326

Independent Financial Fees

Except for the $4.95 monthly service charge for IntroChecking, you can avoid some bank fees at Independent Financial by meeting minimum transaction or balance requirements and avoiding overdrafts. Here’s a look at some of the other fees you might face:

TypeAmount
Non-sufficient funds$35 per item
Out-of-network ATMs$1.25
Wire transfers$10 for incoming, $25 for outgoing domestic, $45 for outgoing international
Account closing fee$25 (within 30 days of opening)
Excess withdrawals$2 to $10, depending on the account

Independent Financial vs. Competitors

Where you bank can have a significant impact on your finances, so it pays to shop around. Here’s a look at how Independent Bank stacks up against other banks.

BankBest For
Independent FinancialCustomers who prefer a local, community-oriented banking experience
Texas Capital BankCustomers who want robust digital banking tools in addition to physical branches
Frost BankA large number of branch locations for easy accessibility to in-person service
Wells FargoThe breadth of products and services

Independent Bank vs. Texas Capital Bank

Texas Capital Bank is similar to Independent Financial in many ways, but it has its own online-only bank with very competitive interest rates. Independent Financial has wider appeal for people who like to bank in person because it has branches in Colorado as well as Texas.

Independent Financial vs. Frost Bank

With more than 130 financial centers in Texas, Frost Bank gets the nod over Independent Financial for Lone Star State customers. If you do most of your banking online, however, Independent Financial might be the better choice because its mobile app has more features, such as a mobile wallet.

Independent Financial vs. Wells Fargo

As one of America’s “big four” banks, Wells Fargo is unrivaled in the breadth and depth of the products and services it offers. Independent Financial can’t compete in terms of scale, but that’s likely to be fine with Texas and Colorado customers who prefer a more community-focused bank.

Is Independent Financial Good?

Although Independent Financial is a Texas bank that operates in a limited number of markets, it still could be a good choice to some people because their account options are comprehensive enough to compete with national banks if you don’t need insurance and investment brokerage services under the same roof. Its interest rates are competitive with most other banks, and there are few fees you can’t avoid.

Editor’s Favorite

As befits a local bank, Independent Financial has a checking account for everyone from first-time bank customers and those rebuilding their checking account histories to customers 50 and older who expect their account to provide good value.

Independent Financial FAQ

Here are the answers to some commonly asked questions about Independent Financial.
  • How are Independent Bank Group and Independent Financial Related?
    • The parent company, Independent Bank Group, a financial services company based in McKinney that offers services throughout the Gulf Coast of Texas and Colorado,  introduced the brand, Independent Financial, in 2019.
  • Does Independent Financial impose limits on mobile deposits?
    • There is no bank-wide limit, but Independent Financial might impose a limit on the amount or number of items you can deposit.
  • Are Independent Financial accounts FDIC-insured?
    • Yes, Independent Financial is a member of the FDIC, and deposit accounts are insured up to $250,000 per depositor.
  • Does Independent Financial offer free money for signing up for an account?

Rates are subject to change. Information on accounts is accurate as of Jan. 25, 2021.

This content is not provided by Independent Financial. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Independent Financial.

About the Author

Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. Her work has been featured on The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and USA Today. Daria studied journalism at the County College of Morris and earned a degree in communications at Centenary University, both in New Jersey.

Источник: https://www.gobankingrates.com/reviews/independent-bank-financial/

Independent Financial

Office

6850 TPC Dr #210,
McKinney, TX, 75070

Fast facts

Schedule
12 Months

Size
159,000 SF

Location
McKinney, TX

Completion
2019

The new headquarters will be situated on a 10.4-acre parcel of land at State Highway 121 and Grand Ranch Parkway at the entrance of the McKinney Corporate Center Craig Ranch. The approximately 165,000 square-foot, six-story headquarters will make a statement in McKinney as the City’s tallest building.

Pursuing a LEED Silver certification, the building’s sleek glass exterior and expansive terraces are designed to bring the outside in, complemented by a mature greenbelt. Bank employees will enjoy waterside views, and have direct access to walking trails that connect a proposed mixed-use development. Approximately 400 employees are expected to occupy the new headquarters upon completion.

View Press Release

Project Team

Architect
Smith Group
Broker
Avison Young, Bret Hefton

Real Talk

Welcome to KDC’s communications hub. Dive into our Real Talk section for interesting blogs written by our KDC team members, land venture fast facts, KDC announcements and other good information.

Источник: https://kdc.com/our-work/independent-bank

Address

401 Main St
Longmont, CO 80501
(303) 678-4140

visit website

View on Google Maps

Details

At Independent Bank you will find a steadfast commitment to deliver an unmatched level of personal service. Because we still maintain the locally managed community bank influence, we have the flexibility to customize products and services to better fit the individual needs of our customers. We strive to be the most admired and respected bank in Colorado where customers want to bank, employees are proud to work, shareholders value their investment, and growth creates opportunities. Our dedication to meeting our customer’s financial needs and our tradition of premier service remains unchanged. Our core values are at the forefront of our business strategy, aimed to bring you the very best service every time:

  • Honesty and Integrity in all we say and do
  • Professionalism and Respect in all our interactions
  • Ownership and Accountability of our actions and attitude
  • Service that delights our customers
Источник: https://www.downtownlongmont.com/go/independent-bank

Independent Financial-Colorado Springs - Downtown

Lobby9:00 AM - 5:00 PM9:00 AM - 5:00 PM9:00 AM - 5:00 PMClosed Today 9:00 AM - 5:00 PMClosed Today Closed Today

Drive-thru8:00 AM - 5:30 PM8:00 AM - 5:30 PM8:00 AM - 5:30 PMClosed Today 8:00 AM - 5:30 PM9:00 AM - 12:00 PMClosed Today

501 S. Tejon St.

Colorado Springs, CO, 80903

Routing #: 111916326

Lobby Hours

9:00 AM - 5:00 PM9:00 AM - 5:00 PM9:00 AM - 5:00 PMClosed Today 9:00 AM - 5:00 PMClosed Today Closed Today

Day of the WeekHours
Mon9:00 AM - 5:00 PM
Tue9:00 AM - 5:00 PM
Wed9:00 AM - 5:00 PM
ThurClosed
Fri9:00 AM - 5:00 PM
SatClosed
SunClosed

Drive-thru Hours

8:00 AM - 5:30 PM8:00 AM - 5:30 PM8:00 AM - 5:30 PMClosed Today 8:00 AM - 5:30 PM9:00 AM - 12:00 PMClosed Today

Day of the WeekHours
Mon8:00 AM - 5:30 PM
Tue8:00 AM - 5:30 PM
Wed8:00 AM - 5:30 PM
ThurClosed
Fri8:00 AM - 5:30 PM
Sat9:00 AM - 12:00 PM
SunClosed
Источник: https://locations.ifinancial.com/co/colorado-springs/501-s-tejon-st

Independent Financial (Formerly Independent Bank)

Our mission is to make an impact on the communities we serve through high-performance purpose-driven banking. As a multi-billion dollar community financial institution, we provide a wide range of relationship driven banking products and services tailored to meet the needs of businesses, professional organizations, community groups as well as busy families.

The services we offer include checking and savings accounts, commercial real estate lending, treasury management, small business loans, and home mortgages. ATM available at our drive through. Lobby hours are Monday through Friday from 9am to 4pm. Drive through hours are Monday through Friday from 7:30am to 5pm and from 9am to noon on Saturdays. We are located at 11250 US Highway 290 East in Manor. Our mailing address is P.O. Box 930 – Manor, TX 78653

Categories: Financial Services

Return to Business Listings

Источник: https://manorchamber.com/business/independent-financial-formerly-independent-bank/

Independent Financial Bank Review: New Name, Same Quality Service

Reviews / Banking

Our Take: Independent Financial, formerly known as Independent Bank, is a full-service financial institution offering a full range of accounts with competitive rates and low or no fees. Keep reading to learn more about the bank and see if it's the right place for your money.

  • Breadth of Products
  • Opening Deposit Requirements
  • Digital Experience
  • Ease of Use

How did we calculate this?

Pros

  • A comprehensive range of accounts
  • Competitive rates
  • No monthly fees for most accounts

Cons

  • Limited service area
  • Can be difficult to qualify for preferred rates

About Independent Financial

The Independent Financial brand name was introduced in 2019 to reflect the company’s increasingly diverse business model, but the company itself dates back more than 30 years. Headquartered in McKinney, Texas, Independent Financial provides personal and business banking services with a community focus. Its parent company, Independent Bank Group, operates in four markets in Texas and Colorado: Dallas-Fort Worth, Austin, Houston and Colorado’s Front Range area.

This Independent Financial review takes a closer look at the bank’s products and services.

Independent Financial Products

As a full-service bank, Independent Financial provides a range of banking and loan products. Customers can also take advantage of wealth management services through Independent Financial’s partner, Private Capital Management. Here’s a rundown of Independent’s various products:

ProductDetails
Checking Accounts
  • Basic, rewards and higher-yielding accounts, plus Platinum Checking for customers 50 and older
  • Perks like ATM fee refunds and free cashier’s checks, depending on the account
Savings Accounts
  • Basic RealSaver and Regular savings accounts
  • Competitive rates with Regular Savings
  • No or low service fees
  • High-yield Index Fund Account for deposits of $1 million or more
Money Market Accounts
  • Tiered interest rates with higher balances earning more
  • Check-writing privileges
Certificates of Deposit
  • Higher fixed rates than savings accounts
  • No setup or service fees
  • Traditional and Roth IRA CDs available
Credit Cards
  • Choose cash back, rewards points or a low introductory rate
  • College student and secured cards for building credit
Loans
  • Mortgage and construction loans
  • Auto loans
  • Personal term loans
Wealth Management
  • Investment advice
  • Estate, tax and financial planning
  • Services offered by Private Capital Management

Independent Financial Checking Accounts

Independent Financial offers checking accounts to fit financial independent bank variety of needs. IntroChecking is a check-free option where customers make purchases with debit cards, ensuring their accounts can’t be overdrawn.

Free Checking is a no-frills account that offers the basics with no fees or minimum balance requirements. Free Rewards Checking and Now Checking pay interest with either no fees or fees that can be waived. Platinum Checking, for customers 50 and over, offers competitive interest rates on your entire balance and charges no monthly service fees.

Features

  • Check-free account option with IntroChecking
  • Free Checking with no fees, no minimum balance requirements and no minimum opening deposit
  • Now Checking with an annual percentage yield of 0.05% for balances under $1,500 and 0.10% for balances of $1,500 and higher
  • Free Rewards Checking with up to $20 in ATM fee refunds per month and APY as high as 1.50% if certain conditions are met
  • Platinum Checking with free checks, no service fees or balance requirements, and competitive interest rates for customers ages 50 and up

Pros

  • Competitive APY compared with many other banks
  • Wide range of choices
  • No or low service fees that can be waived

Cons

  • IntroChecking and Free Checking don’t earn interest

Independent Financial Savings Accounts

Service fees can eat into your savings, but Independent Financial waives the $10 quarterly fee on its Regular savings account when you maintain a $250 minimum daily balance. The REALSaver Savings account has no monthly service charge, and you get a higher interest rate when you link your checking account and meet transaction requirements. High-net-worth customers with a $25,000 minimum opening deposit can opt for an Index Fund savings account with tiered rates ranging from 0.10% APY to 0.30% APY. Independent Financial also offers a High-Yield Index Fund designed for deposits of $1 million or more.

Features

  • 0.15% APY on Regular Savings balances of $50 and up
  • 0.50% APY on REALSaver balances up to $15,000 when checking transaction requirements are met
  • Two free REALSaver withdrawals per months, then $2 each
  • $150 minimum opening deposit for both accounts
  • $15 monthly service charge on index fund account, but can be waived

Pros

  • $10 quarterly fee on Regular Savings balance waived with $250 minimum daily balance
  • $15 monthly Index Fund Account fee waived with $25,000 minimum daily balance
  • Excellent REALSaver APY when qualifying criteria are met
  • Low $2 excessive withdrawal fee after sixth withdrawal per month from Regular Savings account

Cons

  • No interest on Regular Savings balances below $50
  • Must make at least 12 checking-account debit card purchases and at least one direct deposit or automated clearinghouse deposit per month to earn preferred rate financial independent bank REALSaver balance
  • Must have balances of $100,000 or more to earn the highest Index Fund APY

Independent Financial Money Market Accounts

  • Independent Financial’s only money market account has tiered interest rates to reward higher balances. You can also write checks directly from the account to help prevent overdrafts.

Features

  • $2,500 minimum opening deposit
  • $2,500 minimum daily balance to avoid $10 monthly service fee
  • Tiered rates ranging from 0.15% APY for balances below $25,000 to 0.35% APY for balances of $250,000 or more

Pros

  • Higher rates as the balance grows
  • Can write checks directly against the account
  • Waivable fee
  • Eligible for Bounce Protection against overdrafts beginning 30 days after account opening

Cons

  • Modest rates for balances below $100,000

Independent Financial CD Accounts

If you can do without access to your money for a while, a certificate of deposit is a good way to save. Independent Financial’s CDs are available in terms ranging from 30 days to five years. There’s also a three-year step-up CD with a rate that changes according to a predetermined schedule during the term.

Features

  • Fixed rates ranging from 0.15% APY to 0.45% APY for regular CD, depending on term; IRA CD rates range from 0.30% APY to 0.45% APY, depending on term
  • Terms from 30 days to five years
  • No fees to set up or maintain an account
  • Early withdrawals subject to penalty

Pros

  • Guaranteed returns on deposit
  • Tax-advantaged saving with IRA CD
  • Wide choice of terms

Cons

  • No premium rates for high balance

Banking Experience

Independent Financial is a Texas bank, so your experience will depend in large part on your access to branch locations and ATMs. The digital experience is also a factor, especially if you can’t or choose not to bank in person.

Customer Service

Independent Financial’s Customer Care department is available by phone Monday through Friday from 8 a.m. to 7 p.m. CT and Saturday from 9 a.m. to 1 p.m. Also, you can send and receive secure messages via the mobile app.

Branch Availability

Independent financial has more than 90 branches in Texas and Colorado. It’s best to call your local branch for lobby hours if you need to go inside as opposed to using the drive-through because most branches have reduced their hours due to the coronavirus pandemic.

Mobile financial independent bank Digital Experience

When you can’t make it to a branch, you can do your banking digitally from your computer or mobile device. Online banking lets you do almost anything you’d normally do at a branch, such as viewing account histories and documents, transferring funds between accounts, and paying bills. The digital platform integrates with Quicken and QuickBooks for easy statement downloads.

The Independent Financial mobile app is available for Android and iPhone users. In addition to the services listed above, the app lets you deposit checks, enroll in text alerts and pay for purchases with Google Pay, Apple Pay or Samsung Pay. The app gets pretty average reviews from users, however, earning 3.8 out of 5 stars on Google Play and 3.9 stars in the App Store.

An additional service, Finance360, helps customers take control of their finances with a view of all their bank accounts, no matter where they are. Other features include budgeting, tracking finances and receiving real estate value estimates.

Convenience

Independent Financial scores high for convenience, at least for a community-oriented bank. In addition to the branch locations, online banking and banking by phone, Independent Financial offers surcharge-free access to more than 30,000 MoneyPass ATMs nationwide.

How To Open an Account

Independent Financial doesn’t currently let customers financial independent bank an account online. Contact Customer Care or your local branch for more information.

Key Information

Customer Care Number:800-460-6634

Routing Number: 111916326

Independent Financial Fees

Except for the $4.95 monthly service charge for IntroChecking, you can avoid some bank fees at Independent Financial by meeting minimum transaction or balance requirements and avoiding overdrafts. Here’s a look at some of the other fees you might face:

TypeAmount
Non-sufficient funds$35 per item
Out-of-network ATMs$1.25
Wire transfers$10 for incoming, $25 for outgoing domestic, financial independent bank for outgoing international
Account closing fee$25 (within 30 days of opening)
Excess withdrawals$2 to $10, depending on the account

Independent Financial vs. Competitors

Where you bank can have a significant impact on your finances, so it pays to shop around. Here’s a look at how Independent Bank stacks up against other banks.

BankBest For
Independent FinancialCustomers who prefer a local, community-oriented banking experience
Texas Capital BankCustomers who want robust digital banking tools in addition to physical branches
Frost BankA large number of branch locations for easy accessibility to in-person service
Wells FargoThe breadth of products and services

Independent Bank vs. Texas Capital Bank

Texas Capital Bank is similar to Independent Financial in many ways, but it financial independent bank its own online-only bank with very competitive interest rates. Independent Financial has wider appeal for people who like to bank in person because it has branches in Colorado as well as Texas.

Independent Financial vs. Frost Bank

With more than 130 financial centers in Texas, Frost Bank gets the nod over Independent Financial for Lone Star State customers. If you do most of your banking online, however, Independent Financial might be the add account to facebook business manager choice because its mobile app has more features, such as a mobile wallet.

Independent Financial vs. Wells Fargo

As one of America’s “big four” banks, Wells Fargo is unrivaled in the breadth and depth of the products and services it offers. Independent Financial can’t compete in terms of scale, but that’s likely to be fine with Texas and Colorado customers who prefer a more community-focused bank.

Is Independent Financial Financial independent bank Independent Financial is a Texas bank that operates in a limited number of markets, it still could be a good choice to some people because their account options are comprehensive enough to compete with national banks if you don’t need insurance and investment brokerage services under the same roof. Its interest rates are competitive with most other banks, and there are few fees you can’t avoid.

Editor’s Favorite

As befits a local bank, Independent Financial has a checking account for everyone from first-time bank customers and those rebuilding their checking account histories to customers 50 and older who expect their account to provide good value.

Independent Financial FAQ

Here are the answers to some commonly asked questions about Independent Financial.
  • How are Independent Bank Group and Independent Financial Related?
    • The parent company, Independent Bank Group, a financial services company based in McKinney that offers services throughout the Gulf Coast of Texas and Colorado,  introduced the brand, Independent Financial, in 2019.
  • Does Independent Financial impose limits on mobile deposits?
    • There is no bank-wide limit, but Independent Financial might impose a limit on the amount or number of items you can deposit.
  • Are Independent Financial accounts FDIC-insured?
    • Yes, Independent Financial is a member of the FDIC, and deposit accounts are insured up to $250,000 per depositor.
  • Does Independent Financial offer free money for signing up for an account?

Rates are subject to change. Information on accounts is accurate as of Jan. 25, 2021.

This content is not provided by Independent Financial. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Independent Financial.

About the Author

Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. Her work has been featured on The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and USA Today. Daria studied journalism at the County College of Morris and earned a degree in communications at Centenary University, both in New Jersey.

Источник: https://www.gobankingrates.com/reviews/independent-bank-financial/

Privacy Policy

 

FACTSWHAT DOES FIRST INDEPENDENT BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal td bank overdraft class action com. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Account balances
  • Overdraft history
  • Transaction history
  • Wire transfer instructions
  • Payment history

When you are no longer first city bank phone number customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Financial independent bank Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal informationDoes First Independent Bank share?Can you limit this sharing?

For our everyday business purposes -
Such as to process your transactions, maintain your account(s), report to credit bureaus, or respond to court orders and legal investigations.

Yes

No

For our marketing purposes -
To offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don't share

For our affiliates' everyday business purposes -
Information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes -
Information about your creditworthiness

No

We don't share

For affiliates to market to you

No

We don't share

For non-affiliates to market to you

No

We don't share

 

 

Who is providing this notice?

First Independent Bank, Aurora, MO

 

How does First Independent Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files, and secured buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those for whom access is appropriate.

How does First Independent Bank collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Apply for a loan
  • Make deposits or personal withdrawals from your account
  • Make a wire transfer
  • Show your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates' everyday business purposes - financial independent bank about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

First Independent Bank take me to the nearest ross no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

First Independent Bank does not share with our non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

First Independent Bank does not jointly market.

OUR SECURITY PROCEDURES:

We take steps to safeguard customer information. We restrict access to your personal and account information to the employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

 

Revised September 2021

Portions Copyright © Kasasa, Ltd.
All rights reserved.

Источник: https://www.fibaurora.com/Privacy-Policy.aspx

Independent Financial (Formerly Independent Bank)

Our mission is to make an impact on the communities we serve through high-performance purpose-driven banking. As a multi-billion dollar community financial institution, we provide a wide range of relationship driven banking products and services tailored to meet the needs of businesses, professional organizations, community groups as well as busy families.

The services we offer include checking and savings accounts, commercial real estate lending, treasury management, small business loans, and home mortgages. ATM available at our drive through. Lobby hours are Monday through Friday from 9am to 4pm. Drive through hours are Monday through Friday from 7:30am to 5pm and from 9am to noon on Saturdays. We are located at 11250 US Highway 290 East in Manor. Our mailing address is P.O. Box 930 – Manor, TX 78653

Categories: Financial Services

Return to Business Listings

Источник: https://manorchamber.com/business/independent-financial-formerly-independent-bank/

Independent Financial-Colorado Springs - Downtown

Lobby9:00 AM - 5:00 PM9:00 AM - 5:00 PM9:00 AM - 5:00 PMClosed Today 9:00 AM - 5:00 PMClosed Today Closed Today

Drive-thru8:00 AM - 5:30 PM8:00 AM - 5:30 PM8:00 AM - 5:30 PMClosed Today 8:00 AM - 5:30 PM9:00 AM - 12:00 PMClosed Today

501 S. Tejon St.

Colorado Springs, CO, 80903

Routing #: 111916326

Lobby Hours

9:00 AM - 5:00 PM9:00 AM - 5:00 PM9:00 AM - 5:00 PMClosed Today 9:00 AM - 5:00 PMClosed Today Closed Today

Day of the WeekHours
Mon9:00 AM - 5:00 PM
Tue9:00 AM - 5:00 PM
Wed9:00 AM - 5:00 PM
ThurClosed
Fri9:00 AM - 5:00 PM
SatClosed
SunClosed

Drive-thru Hours

8:00 AM - 5:30 PM8:00 AM - financial independent bank PM8:00 AM - 5:30 PMClosed Today 8:00 AM - 5:30 PM9:00 AM - 12:00 PMClosed Today

Day of the WeekHours
Mon8:00 AM - 5:30 PM
Tue8:00 AM - 5:30 PM
Wed8:00 AM - 5:30 PM
ThurClosed
Fri8:00 AM - 5:30 PM
Sat9:00 AM - 12:00 PM
SunClosed
Источник: financial independent bank

Independent-Bank-Quote(2)-1200x640

BOSTON (September 21, 2021)—Numerated, the fast-growing fintech making business banking easy for financial institutions and their clients, announced its partnership with Independent Bank, a $4.5 billion leading community bank with more than 60 locations across Michigan’s lower peninsula. Through this partnership, Independent Bank will use Numerated’s digital lending platform to make their business lending operations more efficient and offer convenient digital channels to their clients.  

“We are continuously looking to drive lending efficiency and better service for Michigan businesses, particularly as this past year has catalyzed expectations for having access to digital channels,” said Marc Judge, First Vice President of Independent Bank. “Numerated allows us to provide better community outreach to business owners by offering faster response times to a traditionally longer commercial loan request process.”

Numerated is a digital lending platform for business banking that dramatically reduces work for financial institutions and their clients by using data. More than 140 lenders have used its award-winning platform to process more than $50 billion in lending for over 400,000 businesses.

Using Numerated, Michigan’s small businesses will be able to apply to Independent Bank for business term loans, lines of credit, and equipment loans, whenever and wherever they want. The Numerated platform pulls in data to streamline each stage of loan origination: including pre-filling borrower applications, aggregating data to speed financial independent bank reviews and offers, and fully automating the preparation of time-consuming document packages.

“As a proven leader, Independent Bank understands putting business customers first means providing them with the digital experiences they expect,” said Dan O’Malley, Numerated co-founder and CEO. “We’re excited to partner with them to make business banking easy and to bring an industry-leading customer experience to Michigan businesses.”

Numerated’s digital lending platform supports a range of commercial and industrial lending, SBA lending and business deposit account opening. Learn more by visiting http://www.numerated.com.

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About Numerated
Numerated is the fast-growing fintech making business banking easy for financial institutions and their clients. Banks and credit unions use Numerated’s digital lending platform to meet business expectations for digital convenience and to bring efficiency gains to their internal teams. The platform is unique in its use of data to streamline the origination of any business banking product, from application to decision to close. More than 400,000 businesses and 30,000 financial institution associates have used Numerated to process $50 billion in lending. The company was recently ranked #32 on the 2021 Inc. 5000 as the fastest-growing software company in financial services.

 

About Independent Bank Corporation
Independent Bank Corporation (NASDAQ: IBCP) is a Michigan-based bank holding company with total assets of approximately $4.5 billion. Founded as First National Bank of Ionia in 1864, Independent Bank Corporation operates a branch network across Michigan's Lower Peninsula through one state-chartered bank subsidiary. This subsidiary (Independent Bank) provides a full range of financial services, including commercial banking, mortgage lending, and investments. Independent Bank Corporation is committed to providing exceptional personal service and value to its customers, stockholders and the communities it serves. For more information, please visit our website at: www.IndependentBank.com. Member FDIC. Equal Housing Lender.

 

Media Contact
Sal Trifilio
(781) 473-0690
sal@numerated.com

Источник: https://www.numerated.com/ngtblog/independent-bank-partners-with-numerated-to-bring-digital-lending-convenience-to-michigan-businesses
financial independent bank

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5 Replies to “Financial independent bank”

  1. You need a different bank. I’d recommend staying away from the big banks. Go with a small local bank if possible.

  2. നിങ്ങളുടെ ബാങ്കിൽ കൊടുത്ത മൊബൈൽ നമ്പർ അറിയില്ലേ

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