How do I sign up for Bank Independent Online Banking?
What can I do within Online Banking?
How much does Online Banking cost?
What happens the first time I log in to Online Banking?
My Online Banking User ID is a twelve digit number. Do I have to enter that number each time I log in?
What are the guidelines for creating a User ID?
What are the guidelines for creating a password?
How soon will I see transactions within my Online Banking account?
Does my Online Banking service ever expire?
What Customer Service options are available within Online Banking?
How late in the day can I make transfers? Can I make them on weekends?
Can I set up alerts for my transactions using Online Banking?
How can I add/remove accounts from Online Banking?
I don't see a particular recent transaction on the My View page. Why not?
How do I update/change my Quicken or Quickbooks financial software to work with the new system?
Where would I find details about my accounts within Online Banking? For example, how do I find my loan payment amount? What transfer option do I select to make a payment on an interest-only loan?
How do I sign up for Bank Independent Online Banking?
There are two easy ways for Bank Independent accountholders to enroll. The first option is to visit www.bibank.com, click “Enroll Now” on the Online Banking sign-in box on the right side of the screen and then follow the easy instructions:
*Please note that the enrollment process must be completed within the same browser session and on the same computer within one hour. You may also enroll for Online Banking by contacting Customer Service at (256) 386-5000 or (877) 865-5050.
What can I do within Online Banking?With Bank Independent Online Banking, you have control over nearly every aspect of managing your Bank Independent accounts. You can:
How much does Online Banking cost?There is no charge for consumer Online Banking services. However, there are fees associated with Online Banking for business. For more information on our Business Banking services, please contact Customer Service at (256) 386-5000 or (877) 865-5050.
What happens the first time I log in to Online Banking? The first time you log in you will be prompted to accept the Online Banking Terms and Conditions, then change your password for security reasons. You will also have the option of changing your User ID. Then, you will be asked to select and label a personal image from our directory of over 3000 images. You’ll also be prompted to select and answer three security questions. Lastly, you will be asked to create a unique question and answer that will be used for identification purposes if you forget your password.
My Online Banking User ID is a twelve digit number. Do I have to enter that number each time I log in?No. You must use the twelve-digit number the first time you log in. After that you have the option to create a new, unique User ID. If you do not assign this User ID upon your first log in to Online Banking, you can change your User ID by visiting the Settings tab within Online Banking, clicking on “Personal” and entering a new User ID under “Modify Login Information.”
What are the guidelines for creating a User ID?Online Banking User IDs must be between 6 and 25 characters and consist of one or more letters; numbers are also allowed. Online Banking User IDs are not case sensitive, and only the following special characters are allowed: + _ % @ ! $ & * ~
What are the guidelines for creating a password?Passwords must be between 6 and 25 alpha-numeric characters (letters and numbers only). No special characters are allowed in Online Banking passwords, and passwords are not case sensitive.
How soon will I see transactions within my Online Banking account?Bank Independent Online Banking is online and real-time. Most transactions that occur within your account are available for viewing immediately. Online Banking will build and retain up to eighteen months of your transaction history.
Does my Online Banking service ever expire?Online Banking service does not expire if you are regularly using the service. However, if you do not log in to the service for 90 days, the service will automatically move into a dormant status. While in dormant status, you will be unable to log in until you call us to request that your service be restored. If you still have not logged in at the end of 180 days, your Online Banking service will automatically be deleted.
What Customer Service options are available within Online Banking?Our Customer Service representatives will be available at (256) 386-5000 or (877) 865-5050 Monday through Saturday from 8:00am to 8:00pm to personally assist you with any Online Banking questions or issues. However, you can also use the Message Center within Online Banking to send us secure encrypted emails from within your Online Banking session 24 hours a day, seven days a week. We will respond to your emails as soon as possible during normal business hours. Incoming secure messages to your Online Banking Message Center will alert you to important events and news concerning your accounts.
How late in the day can I make transfers? Can I make them on weekends?Transfers can be made at any time. However, please note that transfer cut-off time is 8:00pm Central time Monday through Saturday (excluding Bank holidays). Any transfer made after 8:00pm or on a day the bank is closed will be processed on the next business day.
Can I set up alerts for my transactions using Online Banking?Yes, alerts are available via email or upon login to Online Banking. Alerts provide you with a convenient way to be made aware of various activities occurring on your accounts. Simply click on the Settings tab then select “Alerts” to establish these alerts. Alert options include events, balance thresholds, item actions and personal activities. Please note that insufficient funds (NSF) alerts are sent the business day after the item(s) have posted to your account. If you wish to be alerted in advance to a low balance situation, we advise you to use the “balance alert” feature to receive an alert when you reach a pre-determined low balance.
How can I add/remove accounts from Online Banking? To remove an account from the My View page of Online Banking, simply click on the wheel-like icon in the top right corner of the box that says "My Accounts," then configure the accounts that you'd like to appear. This does not remove the account from Online Banking, but it will hide it from the My View page. To permanently remove an account, please contact Customer Service via the secure Message Center within Online Banking, or call (256) 386-5000 or (877) 865-5050.
I don't see a particular recent transaction on the My View page. Why not? Make sure the account has been added to your My View page by clicking on the wheel-like icon in the top right corner of the box that says "Recent Transactions." If the account is listed on the right side of the Configure Recent Transaction listing, it is hidden. Simply click the plus sign beside the account name to add the account to the left side of the listing so that transactions from this account will be shown in the "Recent Transactions" box.
How do I update/change my Quicken or Quickbooks financial software to work with the new system? While Bank Independent does not support the Quicken and Quickbooks products, we do understand that these tools can be valuable to you and to your business. Therefore, we provide the functionality for you to download transactions from your Bank Independent Online Banking accounts into yor software. To begin a download, simply choose the account from which you would like to download transactions. Then click the "Download" link on the menu. For more assistance in setting up your Quicken or Quickbooks accounts, please visit intuit.com.
Where would I find details about my accounts within Online Banking? For example, how do I find my loan payment amount? There are three ways to access details about each of your accounts:
What transfer option do I select to make a payment on an interest-only loan?
If you are making a payment on an interest-only loan, please enter your payment in the “Regular Payment” field in order to advance the due date. Transfers entered after 8:00 pm Central Time will be processed on the next business day.