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Connect and control your finances.

Cash Management

Speed up cash flow, automate banking processes and lower your risk with these business services.

Why BI?

Our commitment to make a positive difference in people's lives most certainly includes catering to the financial needs of businesses in our communities.  We're here to help your business thrive.  We want to remove your banking burdens so you can get back to what you do best.

Choose Bank Independent for:
  • A dedicated non-commissioned Business Banking team at your service,
  • Complimentary on-site consultations and follow-up,
  • Flat-rate pricing,
  • 24/7 customer service by phone, and
  • Flexibility you can only get from an independent bank.

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 or request a call at your convenience from a Business Banking Specialist by completing the form to the right.

 

ACH

Our Automated Clearing House (ACH) network electronically processes secure and convenient bank-to-bank and account-to-account funds transfer to simplify your business' credits and debits.

Let our Bank Independent Business Banking team help you:
  • Direct deposit payroll into your employees' accounts
  • Pay vendors' invoices electronically and on time
  • Bill and collect customer receivables, membership dues and payments 
  • Eliminate potential errors and delays from paper checks and mail
  • Enjoy the peace of mind of available dual control ACH processes

We also offer Same-Day ACH, which means ACH recipients will receive funds in their accounts on the same business day the ACH was originated!*


Remote Deposit Capture**

Bank Independent offers two options for depositing checks into your business account without making a trip to the branch.

Remote Deposit Capture from your desktop is perfect for businesses depositing more than 25 checks a month.

Remote Deposit Capture provides:
  • Simplicity. An easy-to-follow program lets you scan checks through a telephone-sized check scanner. It 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. 
  • Reporting. Enjoy easy access to online deposit reports.
  • Funds Availability. Deposits made by 8:00 p.m. Monday through Friday are credited the same day.
  • Efficiency. Eliminating trips to the bank translates into more time for you and your employees. 

Mobile Deposit for Business lets you use your Mobile Banking app to deposit up to 25 business checks per month using your mobile device at no charge.


Sweep Services**

Automated scheduled or triggered transfers from one Bank Independent account to another can help your business maintain minimum account balances, avoid overdrafts or ensure your various operating accounts are appropriately organized.  Ask your Business Banking representative about our customized sweep options.


Wire Transfer**

Need to send money immediately? We can help.

  • Domestic wires submitted by 2:00 p.m. Monday through Friday are delivered the same day. 
  • Initiate wires easily and quickly through Online or Mobile Banking.
  • Get an extra layer of security through out-of-band verification (you receive a one-time use text code to verify your transaction).

Positive Pay

Protect your business accounts from unauthorized check transactions (such as counterfeit or altered checks) with Bank Independent's powerful Positive Pay service. 

Here's how Positive Pay works:
  • You upload to Online Banking a file listing information about checks written from your Bank Independent business checking account.
  • When checks are presented for payment, we compare them to the information you've submitted.
  • If the information doesn't match, we do not complete the transaction and notify you via text or email.
Positive Pay gives you more control and peace of mind over the security of your account than ever before.


*Only credit ACH transactions of $25,000 and less are eligible for Same-Day ACH at this time.
**Subject to eligibility requirements 
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Can't make it to a branch? Let us know how, when and where it would be convenient to contact you.



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Meet our Team

Bank Independent's sales, service and support team is dedicated to helping our business customers succeed.



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Sync

Convenient, easy-to-use tools to help you manage your finances on-the-go 24/7.