Independent Financial Reviews

It seems as though every week I open IndependentFinancial to see the dreadful message, “System maintenance until *said date*, we’re sorry for the inconvenience.” Yes, yes it is a major inconvenience, because I have a very tight budget and need to manage my account to the dollar in order to continue with every day life. I have many bills that come out monthly and being a college student, it’s difficult to manage with only working part time. If I can’t view what’s in my account, how am I going to know if I can afford to eat tonight? Yes, there is the option to call and check your balance, but the convenience of even having an app is SUPPOSE TO BE way better than spending 5 minutes typing in all my information to the automated system. I opened with Independent Bank when I was living in Van Alstyne at the age of 15. When I moved out on my own, I had to take on major responsibilities, the customer service at the Van Alstyne location has proved to be just as horrible as the town itself. Living in Dallas and dealing with the judgmental women at the VA location has been the worst. Every time I try going to a different location they always have to speak with the Van Alstyne location. I am now switching to Chase bank in hopes that I will have access to my account at all times and won’t be treated the way I have been all these years.

They bought out my bank so now I gotta get use to their app. Customer service is terrible and usually get people that do not want to work and give me wrong answers to get off the phone with me. I tried to do a screenshot of my check and said it did was accepted; 3 days later it has not gone thru and customer service said they see the records of it. I got my money when I did another screenshot of the check. I’ve only had problems since they took over

it’s very frustrating how often the company updates IndependentFinancial with “minor” issues. IndependentFinancial does not allow users to access their accounts unless they perform the newest update. Since the switch to “independent financial” there have been several of these. My phone does not perform updates unless connected to wifi and there have been multiple instances where i needed immediate access to IndependentFinancial and my accounts but was unable to because IndependentFinancial needed yet another update but i was not close to wifi...very frustrating. you should still have access to accounts without the wifi, it’s my money i should be able to see it.

I don’t think the problem is just IndependentFinancial . Independent Bank’s whole online systems is a complete joke. You never know exactly what your Balance is at any given time. Transactions are pending then just disappear only to come back a couple days later. Was definitely a giant step down when community bank/northstar bank changed over. The ONLY reason I am still with the bank at all is the people at my local branch. Been banking with them for 25 years, still most likely going to change banks because there are so many BETTER options out there.

Since GuarantyBnk became Independent Bank, we were switched to IndependentFinancial. It does not allow passcode access which is very annoying, but worse than that, I can no longer make transfers from our construction loan to our checking account. I now have to make a call into the bank to make a simple transfer, and that can only be done during business hours, which do not include weekends. If I pay a contractor on a Saturday, I can’t make a transfer on IndependentFinancial immediately and have to be sure to make a call first thing on Monday morning when the bank opens. I am an extremely busy business owner and this is not always possible for me. I am very disappointed with IndependentFinancial and with Independent Bank so far. We are considering our options...

IndependentFinancial is confusing and pending takes too long to update. Mobile deposit takes way too long to show up. System is very slow. Needs to be updated with faster turn around. Current balance and available balance should not be trusted. Always look at your last pending transaction for your true balance.

I have seen other bank apps that show a list of your auto reoccurring debits. This would make it much easier to find things that are coming out like subscriptions you have forgot about. Would also be better if it had a 4 digit password pin like my first United bank app instead of the long password I have to enter every time. Over all ok but does need improvement.

This is a bare bone app at best. But then again, they aren’t Band of America so it’s sort of understandable. Things I would like to see—
— a way to set up monthly recurring payments in bill pay
— the ability to edit the register to add a payee’s name to the check. Now my bookkeeper has to look at each check
—the ability to add a note to the recipient, a Memo, in Bill Pay
This is my short list. They have been available for MANY YEARS in other banking apps. This one needs them.

I put a 4 star review because I believe independent financial is a good bank but I cannot do what I can do at other banks like transfer money from one bank to another, move money around etc.

I just have one suggestion; if it is available to add the routing number of the bank in IndependentFinancial . As a bank customer I don’t typically carry around my routing number on me, so instead of having to Google it and possibly getting it incorrect, maybe adding it to a choice in the drop down menu or something would help a ton!

IndependentFinancial is easy enough to navigate and allows to you do a variety of things through mobile banking. There are occasional glitches with mobile deposits and not everything you do on IndependentFinancial translates to the bank’s system (address changes, etc).

Never had I lost more money with others companies incapability to process and function just throughout the country. Trying to not use big banks costs more but at least I can feel like I’m working with an American company. IndependentFinancial is tied right to the website so nothing feels like a jump from one another which is nice for staying constant. I love the mobile deposit feature. Their custome service is fantastic!

The only problem I ever have with IndependentFinancial is occasionally forgetting my password? As soon as I look it up the problem is solved. It is very easy to switch money from one account to another, find my current balance and look at all my most recent transactions. I’m not very tech savvy but I don’t need to be with IndependentFinancial!

IndependentFinancial works great for my financial needs — like mobile deposits, keeping up with when automatic payments have been made and the like. I’m sure it does many more wonderful things, but in my stage of ignorance I either do not know, or do not care about them.

IndependentFinancial makes it so much easier to check on anything concerning my account. Now I look at my account at any date or time. I do not have to wait on hold or only call during business hours. I can also monitor our daughters accounts and help them if needed (of course they have agreed to me having access). It is just nice to know I can access my accounts EASILY when and wherever I choose!

You’ve managed to improve the ability for me to access my accounts.
It used to take a trapeze and tight rope actions to get the program to give me my answers.
Thank you and keep up the good work and complaints honestly will subside.

I have been with Independent Financial for many years and they are a wonderful back to work with… personal and business. Their update for mobile deposits are a nice added feature. Would recommend facial recognition for accessing account.
Just came back to update so… not a 5 because they listened to suggestions and are responsive to feedback. Way to go Independent Financial!

This Banking app is definitely simple to use. I am on the road regularly, so it needs to be easy & dependable. I can wire funds, transfer funds & check activity in my business account on IndependentFinancial. No complaints at all.

Slow loading and sometimes I have to try several times. Then it may or may not load. The old app never failed this one is not reliable.

Great banking app! Easy to use—love that I can easily transferFunds between accounts and do mobile deposits in either my business or personal checking accounts. Makes life easier.

I’ve had an account with this bank for over 40 years. They have always been helpful with anything I’ve needed. There customer service is true customer service. IndependentFinancial is also quick and easy to use.