Mobile Banking
Includes questions about downloading and using Bank Independent's Mobile Banking app.
Q: How late in the day can I make a transfer within Mobile Banking?
A: Transfers can be made at any time. However, funds transferred after 8:00pm CST will be applied towards the next day’s balance.
Q: What if I can’t get my mobile device to work with Mobile Banking?
A: You will want to verify that:
- Your mobile device is web-enabled (contact your wireless provider)
- Your mobile network must allow secure SSL traffic (contact your wireless provider)
- Your device OS is iOS 10 or above or Android 4.1 or above.
- You must be an active Online Banking user
Q: What happens if I lose communication or lose my signal during a transaction?
A: If you do not receive a confirmation of your transaction due to a dropped call or lost signal, check your account transaction listing and resubmit any transactions that did not process.
Q: What happens if I lose my mobile device?
A: Account data and login credentials are not stored on your mobile device. Therefore, anyone who has access to your phone or tablet cannot log in to your accounts. Do not add your login credentials to your phone’s or tablet’s memo or note pad or voice record them on your mobile device as this information could then be obtained by others. Password-protect your mobile device if possible.
Q: What do I do if I change phones or tablets?
A: Under Settings -> Security, there is an option to view recently used devices. From there, you can remove any devices you no longer use.
Q: Is it safe to use a Wi-Fi connection to access Mobile Banking?
A: When doing something sensitive like checking a bank account balance on your mobile device or PC, it is best that you don’t use the free Wi-Fi access offered in public areas. It is recommended that you use your password-protected Wi-Fi at home to safeguard your account.
Q: What happens when I report my debit card lost or stolen in Mobile Banking?
A: When you report your debit card lost or stolen using the “Manage Cards” option within Mobile Banking, your card is immediately closed, and we will issue a new replacement card upon request. Unlike the “Suspend” option, a card reported lost or stolen cannot be reactivated.
Q: Why does my Mobile Banking app sometimes take a while to update accounts and transactions?
A: The system will update your information in the background. Information stating when the account was last updated is provided under the account name.
Mobile Bill Pay
Includes questions about paying bills using Bank Independent's Mobile Banking app.
Q: How do I pay a bill with Mobile Bill Pay?
A: It’s easy! Simply:
- Select “Payments” from your menu within Mobile Banking
- Select “Make a payment.”
- Select the payee you would like to pay.
- Enter the amount of the payment.
- Select an account you would like to pay from.
- Select a delivery method or choose a specific date on the calendar.
- After reviewing the information on your screen, click the "Submit" button
- You will receive a confirmation message.
Q: When will the funds for my mobile bill payment be deducted from my account?
A: Payments scheduled using the mobile version of bill pay for electronic payments will be deducted from your account on your "Deliver By" date. If a paper check is mailed, the amount will be deducted when the check clears, which may occur earlier or later than the “Deliver By” date selected.
Q: When can my payee expect to receive my mobile bill payment?
A: The payment will be delivered in the same method as it is delivered through Bill Pay within Online Banking, which is either electronically or by mail. Our Bill Pay provider works diligently with payees to arrange electronic delivery of payments, so delivery methods for payees are often updated. Please note that the payment method used to send this payment will affect the date the payee receives your payment.
Q: Can I schedule recurring payments using Mobile Bill Pay?
A: Recurring payments are not yet available within Mobile Bill Pay. You can schedule one through Online Banking in the “Manage payments” menu.
Q: I need to cancel or change a payment I just scheduled through Mobile Bill Pay. What do I do?
A: To cancel or change a payment, select the “Payments” menu option and select the payee of the payment you are changing. Select the scheduled payment under the “Payment history” section to stop or edit the payment. You may also log in to Bill Pay within Online Banking and go to “Manage Payments”, then “Scheduled Payments”, or call Customer Service at (256) 386-5000 or (877) 865-5050 for assistance. A payment can be cancelled before 3:00 p.m. Central Time on the day it is processed (electronic payments are processed the day before the "Deliver By" date; check payments may be processed up to a week before the scheduled "Delivery By" date).
Q: Can I edit payments or payees through Mobile Bill Pay?
A: While you can edit one-time payments through Mobile Bill Pay, recurring payments and payees can only be edited or deleted through Online Banking under the “Manage payments” menu at this time.
Mobile Deposit
Includes questions about depositing checks using your smartphone or tablet and Bank Independent's Mobile Banking app.
Q: What kind of mobile device will work for Mobile Deposit and what are the device requirements?
A: Bank Independent’s Mobile Banking app will work with iOS and Android operating systems. Your camera must have a resolution of two megapixels or higher and you must have a wireless data plan with your mobile device carrier.
Q: Do I need to endorse the check I’m depositing?
A: Yes. You are required to endorse the back of the check you are depositing just as you would if you were depositing it at one of our branch locations.
Q: Do I need to use a deposit slip to make a Mobile Deposit?
A: No. We will substitute an electronic deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.
Q: What type of checks can I deposit using Mobile Deposit?
Most checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. Some business-size or longer checks do not work with Mobile Deposit.
The following items cannot be deposited using Mobile Deposit:
Third-party checks
Returned or re-deposited checks
Checks depositing into a closed account
Altered, suspicious, fraudulent, or unauthorized items
Travelers checks
Savings bonds
Foreign (non-US) checks
items that are not payable in US currency
Checks requiring an authentication code or other authorization
Checks payable on sight or payable through drafts
Checks or items that are remotely created checks
Third-party checks
Returned or re-deposited checks
Checks depositing into a closed account
Altered, suspicious, fraudulent, or unauthorized items
Travelers checks
Savings bonds
Foreign (non-US) checks
items that are not payable in US currency
Checks requiring an authentication code or other authorization
Checks payable on sight or payable through drafts
Checks or items that are remotely created checks
Q: Is there a limit to the dollar amount of the check I’m depositing?
A: There is not a limit, but all deposits are subject to review and/or final approval.
Q: Do I have to bring the check to the Bank after I submit it for deposit using the Mobile Deposit feature?
A: No. Do not bring the check to the bank after submitting the deposit. We do recommend you keep the check for 30 days or until you receive your monthly statement to confirm the deposit and then destroy the check securely by shredding it.
Q: How quickly will the deposit show up in my account?
A: If your Mobile Deposit is completed prior to 8:00 p.m. Central Time on a business day (Monday through Friday), you will generally receive credit for the deposit on your account on the same business day. Please note that all deposits are subject to review and/or final approval by the Bank.
Q: Can I make a Mobile Deposit to different checking accounts?
A: Yes, during the Mobile Deposit process you will select from enrolled accounts. To add an account, please contact Customer Service.
Q: Who should I call with Mobile Deposit questions?
A: For assistance with Mobile Deposit, please call Customer Service at (256) 386-5000 or (877) 865-5050 anytime Monday through Saturday from 8:00 a.m. to 8:00 p.m. Central Time.