WE ARE THRILLED TO LAUNCH

At Independent Bank, we pride ourselves

on offering our customers the best banking

experience. We realize that ‘the best’ changes

over time, which is why we are constantly

working to provide the most up-to-date

technology, products, and services to not only

meet your ﬁnancial needs and goals, but exceed

them. This is just another way we are helping

you to always Be Independent.

• Now everything that you can do in Online Banking can

also be done from our new IB ONE Wallet mobile app

• Improved Bill Pay service with faster payments

• Access to Zelle

is now available within Bill Pay in your

online and mobile banking account. It’s a fast, safe and

easy way to send a gift of money to a family member,

settle up this month’s rent with your roommate or split

the cost of girls night out.

• Open new accounts or apply for loans in just a few clicks

• Simpler and easier-to-read transaction descriptions

• Reset your password quickly in the new mobile app

• Instantly transfer funds to other IB customers

• One click access to your Independent Bank Credit Card,

IB Wealth account, or CDARS accounts. Coming soon!

• Transfer funds to and from accounts you own at

other Financial Institutions

• IB Card Controls App allows you to turn your debit

card on or off, restrict transactions by category or dollar

amount, and easily set up purchase alerts. Coming soon!

• ONE Wallet+ allows you to see all your accounts, loans,

investments, credit cards, and more in one easy place.

Plus create budgets, track spending, and much more!

Please Note: In order to launch these new enhancements

we will be closed May 22-23, 2021.

WITH ONE WALLET,

our new and enhanced Online and Mobile

Banking platform, you can enjoy all of these

new enhancements and more:

IMPORTANT DATES:

MAY 21

• Branches will close at 5 pm

• Online and mobile banking will be unavailable as of 5 pm

MAY 22-23

• Branches will be closed

•

Online Banking and Mobile Banking will be unavailable

MAY 24

• ONE Wallet launches

• Complete any necessary banking before 5 pm on May 21.

• Visit IndependentBank.com/ONEWallet for important

information, including helpful videos, step-by-step tutorials

that allow you to experience our new banking platform right

now, common FAQs, a timeline of important dates, & more.

• You can use your debit card for purchases over the weekend,

and our ATMs will also remain available. You will not be able

to view or check your balance(s) during this time. We ask that

you please check your balance prior to 5 pm on May 21.

• Make note of your current External Transfers and SwiftPay

Payments, as they will not be imported into the new system,

and will need to be reestablished after May 24.

WHAT TO DO BEFORE MAY 24:

To be prepared for the enhancements launching on May 24,

please make sure you complete the following things:

Our Customer Experience Hub will also be available to

answer your questions at 800.355.0641 on Friday from

8 am-8 pm and Saturday-Sunday, from 8 am-6 pm (ET).

MAY 19

• SwiftPay will cease processing payments scheduled at 5 pm

• External Transfers in Online Banking will cease at 5 pm

Download our new mobile app,

IB ONE WALLET

• You will need to download our new

app, by searching “IB ONE Wallet”

in the Google Play Store

IPHONE USERS:

• If you are an existing app user, you

will be prompted to update your

Independent Bank mobile app

• If you are not a current app user

download the new app by searching

“IB ONE Wallet” in the App Store

ANDROID USERS:

Download or upgrade our new mobile app, IB ONE Wallet

See directions below for both iPhone and Android users

Set up any desired account alerts, as any previous alerts

have not been converted to our new platform

Access IB Card Controls via our IB ONE Wallet mobile app to

manage your debit card and receive alerts. Coming soon!

If you utilize

Bill Pay, conﬁrm that all of your payees and

scheduled payments are correct

If you had any External Transfers or SwiftPay Payments

scheduled, be sure to reestablish these within IB ONE Wallet

Ensure all of your

contact information is up to date

via

Online or Mobile Banking (email, phone number, address)

WHAT TO DO AFTER MAY 24:

After May 24

WHAT’S NEW

IN ONE WALLET

• ONE Wallet – With our new banking platform for both

online and mobile, you will have instant access to your

purchase history, can open additional accounts and apply

for loans, complete external transfers, access new alert

capabilities, and receive alerts on your phone or via email.

One Account (Swipe) Activity

Payments (Bill Pay)

Quick Transfers

Quick Links

•

Mobile Banking

–

Now everything that you can do in

Online Banking can also be done in Mobile Banking —

External Transfers, add new bill payments, view statements,

transfer money to other IB customers, and more.

• Bill Pay – Never write a check again! Our new Bill Pay

options are fast and efﬁcient. Plus, you are now able to

add payees right through our IB ONE Wallet app. Be

sure to check out the videos on our website to learn

everything that is new about our Bill Pay service.

• Transfer Funds to IB Customers – You can now send

money to any Independent Bank account — you do not

need to be the account owner to do so. Send money

to a coworker, family member, or friend. All you need

is their account number.

• External Transfers – Now not only can you transfer funds

to accounts at other Financial Institutions, but you can

also receive transferred funds from other Financial

Institutions into your accounts at Independent Bank!

If you previously had External Transfers established,

you will need to set these up again, as they will not be

converted to the new platform.

• Reintroducing Change It Up – An easy way to save a

little more! Enroll and every debit card purchase you

make will be rounded up to the nearest dollar, with that

extra change deposited right into your savings account.

If you were previously enrolled in this program, your

pre-selected contributions will now be rounded up to the

nearest dollar as well.

Continued on next page

• Zelle

– is a fast, safe and easy way to send money to people

you know and trust – from paying back a family member for

a group gift or sending an allowance to the kids in college.

Access Zelle through Bill Pay today! Customers who have

previously used Zelle will need to reload all payees, as these

will not transfer to ONE Wallet automatically.

• Updated Transfer Options – Transfers are now all located

in one convenient location, also with more convenient

options for making loan payments.

• Club Checking Bundle – Accessing all of your

Club Checking Bundle beneﬁts is now quick and

easy via Online and Mobile Banking

, as well as at

IndependentBank.ClubChecking.com.

• Mobile Deposit – Deposit checks using IB ONE Wallet.

• IB Card Controls – Control your debit card through IB

Card Controls, now available via the IB ONE Wallet

app, so you are always up to date on your account

information. Coming soon!

• Account Statements – Your next account statement

will have a brand new look! Enjoy a more user-friendly

statement arriving soon.

• ATMs – For deposits to be considered the same business

day they now must be made before 10 pm (ET). Any

deposits made after 10 pm (ET) will now be applied the

next business day.

What’s New in One Wallet Continued:

• Real-Time Transactions – The debit and credit posting

order will now be in real-time. When your transactions

are completed, they will post to your account, without

delay. This will make keeping track of your balance easier,

as items will post immediately, and you will now have an

updated and accurate balance to view.

Please note that today posting currently has a delay, and funds

are not immediately deducted from your account. This will now

happen immediately, so you will want to ensure all funds are

available before completing a transaction or making a purchase.

You no longer have until end of day to make a deposit to avoid

being assessed an overdraft fee. If funds are not in your account

at the time a transaction or check is posted, your account may

be assessed an overdraft fee, even if you make a deposit before

the end of the business day.

• ONE Wallet+ – Introducing ONE Wallet+, a money

management tool where you can see all of your accounts

in one place, previously known as Personal Finance. This

is easily accessible via Online and Mobile Banking.

• And don’t forget to check out our redesigned app

with cool new features like this SWIPE TRACKER!

What’s New in One Wallet Continued:

Scan the QR code to stay up to

date on the latest information

WHAT’S NEW

LOANS:

• Mortgage and Installment Loans – All account numbers

will now have the note number added to the end of

the account/loan number. For example: Account/Loan

Number: 500/Note Number: 000001, will now be “5001.”

• Mortgage Escrow Analysis – The timing of escrow

analysis for mortgages will be changing based on

when taxes are paid.

• Loan Statements – Your next loan statement will have a

brand new look! Enjoy a more user-friendly statement

arriving soon.

• Loan Calculators & More – We are continuously working

to provide you with an enhanced banking experience.

Whether you are looking to calculate auto payments,

a mortgage loan, a home equity line of credit, or your

business ﬁnances, we’ve got you covered. Check them

out at IndependentBank.com/calculators.

• Express Loan Pay – SwiftPay is now Express Loan Pay.

If you have a SwiftPay automatic monthly payment

or future-dated payments scheduled, please take a

moment to establish this again within Express Loan Pay

beginning May 24, 2021, and please be sure to use your

new loan account number.

We also offer additional

free methods of payment. For a full list, please visit

IndependentBank.com/Express.

> Transfer funds from an Independent Bank account directly

to your loan via Online Banking

> Use Bill Pay to make your loan payment from an

Independent Bank checking account or establish automatic

payments via Online Banking

> Send your loan payments by mail

Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning

In order to send payment requests or split payment requests to a U.S. mobile number, the mobile

number must already be enrolled with Zelle. Must have a bank account in the U.S. to use Zelle.

^Joint Account Owners must have their own Online Banking login.

We can’t wait to launch all of these exciting new banking

enhancements! If you have questions, please contact your

local branch, give us a call at 800.355.0641, Monday-Friday

8 am-8 pm and Saturday-Sunday 8 am-6 pm (ET),

or visit IndependentBank.com/OneWalletPersonal.