Online Banking Products

Banking Made Even Easier

Online banking gives you the flexibility and convenience you need to manage your finances according to your schedule.

Online banking provides:

  • Convenient access to your accounts 24 hours a day, 365 days a year
  • Leading edge technology that provides secure account access
  • Understandable features that make it simple for you to accomplish what you need

Online Banking – Personal & Business

Our online banking solution provides both personal and business customers secure access to their accounts. Personal account holders will find that Online Banking makes managing their finances both easy and convenient. Business customers who do not have larger cash management needs (e.g., ACH, wire transfer, Positive Pay, etc.) will also find a similar full-featured product designed for them.

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Online Banking allows you to:

  • Obtain current account information
  • View transaction history
  • Transfer funds between accounts
  • View check images
  • View statements
  • Order checks
  • Bill Pay (optional)
  • Receive email alerts on account activity
  • Review stop payments
  • View current interest rates
  • Download transactions to specific money management software

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E-Statements

e-Statements are secure electronic versions of your account statements and notices that are accessed through an email log-in or within Online Banking. They contain the same information as paper statements and notices, however, they are delivered electronically instead of through the US Postal Service. Enroll for free by logging on to your Online Banking account and clicking the ‘e-Statements’ tab.

Mobile Banking

Mobile Banking allows you to view account information, transfer funds and pay bills securely from your mobile phone. This is a free service for Online Banking customers. (Your mobile carrier's text messaging and internet charges may apply). Log on to your Online Banking account and click the ‘Mobile Settings’ tab to get started.

CIB App.
Do your banking anytime, anywhere with the CIB App.
View account information, transfer funds and pay bills from your Android phone, iPhone™, iPod® Touch or iPad®.

Search for 'Citizens Independent Bank' in either the Android Market or the iTunes® store and download the free app.

After that, enter your Online Banking ID and Password.

Click here for more information.

Bill Pay – Personal & Business

Bill Pay provides a convenient and secure way for you to make payments to anyone in the United States. This optional feature of our online banking service is another way we provide the tools you need to better manage your finances. Personal checking account holders can apply by selecting the "Apply Now" button below. Business checking account holders can enroll by contacting a business banker at any of our locations.

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Bill Pay allows you to:

  • Pay anyone in the United States
  • Save money on postage
  • Schedule recurring payments
  • Review payment history
  • Choose payment dates
  • Pay bills from multiple checking accounts

Customers with personal or business checking accounts are eligible to enroll in Bill Pay. In order to use this service you must have access to our online banking service.

Personal checking account holders pay a low monthly fee of $4.95 which includes 20 bill pay transactions. If you have more than 20 transactions in a month, you pay only $0.40 per transaction. However, if you maintain a debit card with the account you use for Online Bill Pay, these fees will be waived.

Business checking account holders pay a low monthly fee of $9.95 which includes 20 bill pay transactions. If you have more than 20 transactions in a month you pay only $0.40 per transaction.

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Online Banking – Cash Management for Business

Our cash management solution offers the same great features found in Online Banking along with some additional functionality needed by businesses that are interested in automating the control of their cash flow. Enroll by contacting a business banker at any of our locations.

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Online Cash Management allows you to:

  • View check images
  • Obtain current account information
  • View transaction history
  • Transfer funds between accounts
  • View statements
  • Order checks
  • Bill Pay (optional)
  • Receive email alerts on account activity
  • Review stop payments
  • View current interest rates
  • Download transactions to specific money management software
  • Originate ACH transactions (e.g., employee direct deposit)
  • Initiate wire transfers to accounts at other financial institutions
  • View current and prior day account information in an easy to read summary

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