You might be familiar with viewing your transactions online, or even by smartphone; but did you know, as an Independent Bank customer, you can also deposit your check, pay someone instantly, or make purchases without a card—all without stepping into a branch?
“We do try to stay ahead of the curve. We want to maintain the customers we have as well as bring in the next generation of clientele,” says Deonna Lopez, Assistant Vice President of Deposit Operations and e-Banking Manager at Independent Bank.
Online Banking
Online banking has been around for several years, but more people are embracing it as a way to pay bills, set up recurring payments (utilities, rent, or mortgage), and monitor transactions. You can also opt out of paper bank statements by signing up for e-statements. Not only does this reduce clutter and save trees, but “less paper is good, too, for security purposes,” Lopez says—fewer chances for information to end up in the wrong hands.
PeoplePay
How many times have you needed to pay someone—for example, for your share of lunch on the restaurant check, or your babysitter, or even the neighbor who mows your lawn? For a quicker alternative to a paper check, use PeoplePay—all you’ll need is the other person’s email address or phone number. The person receiving the payment will get an alert, and they can choose to receive the funds in their bank account, PayPal account, or via mailed check.
SnapCheck
Though e-payments are becoming more popular, chances are you still receive paper checks from time to time. SnapCheck allows you to deposit your checks through your smartphone by using the built-in camera.
Apple Pay
With Apple Pay, you can make a payment with your iPhone (version 6 or above) and fingerprint verification—no need to use cash, credit, or debit card. Apple Pay continues to emerge on the scene as a form of payment in various retailers (here’s a list of retailers currently participating), and this number is expected to grow.
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