Online Security Policy

Protecting the Security of Your Information

i-bank's goal with is to offer you a better way of banking, while maintaining an assurance of security for your financial and personal information. This Online Security Policy is designed to inform you about the terms and conditions of the security measures taken by i-bank with regard to, and to suggest ways in which you can enhance the security of your financial and personal information. Should you have any questions or concerns about the security features or the terms and conditions, or if you need further assistance with regard to’s security features, including Access ID’s and Passcodes, please contact i-bank in the way that is most convenient for you:’s security infrastructure utilizes several layers of technology in order to protect the integrity of your financial and personal information:  

Full 128-bit encryption requirement users are required to use browsers with at least 128-bit encryption.  Although our online banking solution may function with an unsupported browser, we do not recommend using unsupported browsers.  The following browsers are currently supported:

  • Google Chrome (latest)
    • Mobile (latest)
  • Mozilla Firefox (latest)
  • Safari:
    • Versions 10 and 11
    • Mobile (latest)
  • Microsoft Edge (latest)

Access ID and Passcode entry

When prompted, you must provide a valid Access ID and Passcode to gain access to your i-bank accounts and information. Your Access ID and Passcode are encrypted and your Passcode will not be displayed as you are entering it.

Enhanced Multi-factor authentication (EMFA)

After successfully authenticating using a username and password, a one-time password (OTP) is sent to the user’s phone. The user must then enter this OTP into the banking application to complete the login. The user may receive this OTP via a voice call or text message. EMFA provides a secure, low-cost and easy-to-use second factor of authentication. EMFA reduces the risk of credential exposure due to phishing, keystroke loggers, man-in-the-middle, and brute force attacks.

Secure Sockets Layer (SSL) technology

Secure web browsers employ SSL technology to communicate with’s servers. SSL creates a secure communication channel between you and’s servers. SSL authenticates your communication with and reduces the risk of a third party intercepting your communication. SSL conducts a cryptographic word count to ensure the integrity of data transmission. The word count establishes a count of the number of bytes in a document, ensuring the number of bytes transmitted by you exactly matches the number of bytes received by the server.

Firewall protection’s servers are protected by a firewall, which is combination software and hardware product that limits the access of outside computers to’s servers. Only authenticated users may send and receive transmissions through the firewall.

Network traffic logs

The firewall also generates continuous logs of network traffic for centralized monitoring and auditing purposes.

Mobile Banking

Digital Insight offers mobile banking solutions for Android, iOS (iPhone), as well as a Web interface optimized to run on mobile devices. All data exchanged between Mobile Web Banking and Mobile Banking Apps (iOS and Android) with Digital Insight servers is protected in transit using SSL/TLS. In Mobile Web Banking, no customer information is stored or cached in the device. Sensitive data that is stored in Mobile Banking Apps use the device’s secure storage.

Display Last Login Date

This feature displays the date of the last login to the account holder. This information will help them monitor usage of their Digital Banking account. If the account holder finds information they cannot account for, they can contact the financial institution for assistance.

Automatic logoff

Your online session automatically logs off after a specified period of time.

Encrypted data storage. Customer data is stored in encrypted format in Independent Bank’s website database.


For security reasons, our Digital Banking application sends a command to the account holder’s browser not to save web page information on their computer. This browser function protects the account holder by preventing others from obtaining potentially sensitive information by attempting to access the cache on the computer.

Access IDs and Passcodes

As part of Independent Bank’s online security protocol, when you enroll in online banking and bill pay services Independent Bank may issue you an Access ID and Passcode to gain access to your accounts and information. Independent Bank reserves the right to suspend or revoke any Access ID or Passcode it issues if you violate’s Website Terms and Conditions, Independent Bank’s Online Privacy Policy,’s Online Security Policy or any applicable law, rule, or regulation.

Your Responsibilities

You are responsible for keeping your Access IDs and Passcodes confidential, and for any access, use, or activity on under your Access ID and/or Passcode.  Here are some tips for keeping your Access ID and Passcode confidential:

  • Make sure that you adhere to the procedures set forth in Independent Bank's Online Website Terms and Conditions when maintaining and selecting your Passcode.
  • Do not share your Access ID or Passcode with others.
  • If you think that your Access ID and/or Passcode have been compromised, contact Independent Bank immediately.
  • Use a personal firewall to prevent unauthorized access to your personal computer.
  • Install virus protection on your personal computer, install a spam blocker, and delete emails with attachments from unknown sources. Regularly update your virus protection and keep your computer secure with current Microsoft updates.
  • Be certain others are not watching the keyboard as you enter your Access ID and Passcode.
  • Avoid accessing your account from public shared computers or an insecure location.
  • Do not leave the computer unattended while logged on to your online banking account and Log off using the Exit/Logoff function when you are finished using online banking.
  • Do not open any types of email attachments or diskettes unless you are sure that you can trust the source.
  • Do not send personal information via Internet email. Confidential information may be sent via the secure messaging function within online banking.

Email and Online Scams

Email and websites can be used for sending or promoting scams, such as a false offer from a company or an alert to a false computer virus. The practice of sending these fraudulent emails or creating and promoting these fraudulent websites is called spoofing or phishing. Spoof emails and spoof websites are often forwarded with good intentions by friends, adding an erroneous level of legitimacy.

If you receive an email that you believe to be a spoof email or encounter a website that you believe to be a spoof website, do not click on any hyperlinks and do not provide any personal or confidential information (Access ID or Passcode). Avoid accessing your account from public shared computers or insecure locations. You agree and acknowledge that Independent Bank has no control over and is not responsible for any damage or loss you may incur as a result of or in connection with spoof websites and spoof emails, even if a criminal causes such spoof websites and spoof emails to appear to be owned or operated by Independent Bank. For more information, please visit Independent Bank's Fraud Tactics and Security Tips to learn how to protect yourself from email and online fraud.

Limitation on Independent Bank’s liability

No security protocol is foolproof. In the event that an unauthorized third party compromises’s security features, Independent Bank is not liable to you, or to any third party, for any occurrences or damages directly or indirectly related to an unauthorized third party’s ability to view, use or disseminate your financial or personal information, or to otherwise gain access to your Independent Bank account(s). Independent Bank is also not liable to you or any third party for any occurrences or damages directly or indirectly related to any phishing, pharming, or other attacks or fraud committed against Independent Bank,, and’s URL, DNS or IP address, or a third party’s ability to tap into your Internet connection via phone line, DSL, cable connection, or otherwise.

Changes to this Online Security Policy

Independent Bank endeavors to monitor the latest in security enhancements to protect our customers. Accordingly, Independent Bank reserves the right to revise its security protocol and amend this Online Security Policy at any time, in its sole discretion, and without notice. Any changes to this Online Security Policy will be posted here. You are encouraged to visit this Online Security Policy frequently in order to review any changes that have occurred. Your continued access and use of following any changes to this Online Security Policy shall automatically be deemed your acceptance of the same.

Governing Law and Arbitration

This Online Security Policy is to be governed by and construed in accordance with the internal laws of the State of Tennessee, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Online Security Policy, except for an injunctive action regarding a breach, violation, or threatened breach or violation of this Online Security Policy by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Shelby County, Tennessee.


You and Independent Bank shall select the arbitrator, and if you and Independent Bank are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the arbitrator shall be selected by the American Arbitration Association. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Independent Bank, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Shelby County, Tennessee.

Judgment upon any award rendered by the arbitrator shall be final, binding, and conclusive upon you and Independent Bank and your and Independent Bank's respective administrators, executors, legal representatives, successors, and assigns, and may be entered in any court of competent jurisdiction.


If any portion of this Online Security Policy is deemed unlawful, void, or unenforceable by any arbitrator, this Online Security Policy as a whole shall not be deemed unlawful, void, or unenforceable, but only that portion of this Online Security Policy that is unlawful, void, or unenforceable shall be stricken from this Online Security Policy.

The headings contained in this Online Security Policy are for convenience of reference only, are not to be considered a part of this Online Security Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Online Security Policy.

All covenants, agreements, representations, and warranties made in this Online Security Policy, as may be amended by Independent Bank from time to time, shall survive your acceptance of this Online Security Policy and the amendment of this Online Security Policy.

This Online Security Policy represents the entire understanding and agreement between you and Independent Bank regarding its subject matter, and supersedes all other previous agreements, understandings, and/or representations regarding the same.

Should you have any questions or concerns about the security features or the terms and conditions, or if you need further assistance with regard to’s security features, including Access IDs and Passcodes, please contact Independent Bank in the way that is most convenient for you.