Online Banking & Bill Pay

Because bank hours aren’t the only time banking needs to happen.

Summary

Our IndependentAccess® service lets you manage your bank accounts from your own computer. Log in to see account balances, transactions, and more. You can even make transfers and loan payments. And the service is completely secure to keep your financial information safe.

  • Bank from your own computer
  • Check account balances in real time
  • Review transaction history
  • Transfer between accounts
  • Make loan payments
  • Retrieve and review e-statements
  • Encrypted for your security

View the demo and more on our Online Education Center.

Bill Pay

Skip the mad rush to the bank before closing. Now you can pay bills electronically right from your own computer.  There are other features to keep you on track, too. Set up alerts and reminders or recurring payments and avoid missing your payments!

  • Save time by paying bills electronically
  • Save money on postage and courier fees
  • Set up alerts and reminders
  • Set recurring payments
  • Encrypted for your security
FAQ

Is special software required for IndependentAccess®?

No, the only thing you will need is your internet browser.

May I enroll in IndependentAccess® if I don't live in Idaho?

Maybe. Our internet service area is currently limited to Idaho, Washington and Oregon.

How much does IndependentAccess® cost?

If you choose IndependentAccess® without Bill Pay, there is no charge for accessing your account information and making account transfers.

* If you choose IndependentAccess® with Bill Pay, there is no monthly fee.  Unlimited transactons for personal accounts and a $0.50 per transaction fee over twenty (20) transactions for business accounts.

What about Internet security?

IndependentAccess® service supports the highest commercially available level of Internet browser encryption security. In order to participate, we suggest you use one of the Internet browsers recommended by Idaho Independent Bank such as: Firefox 24.0 (or higher - 38 recommended) or Microsoft Internet Explorer 8.0 (or higher - 11.0 recommended) internet browser. In addition, the IndepentAccess® systems are protected by several sophisticated security devices. For more information about how to protect yourself on the Internet, please visit our Online Education Center.

Can I change my password?

You will use your temporary password to login the first time. Then, it will prompt you to change the password. You can change your password as often as you like. For improved security of your password, please use random letters and numbers. IndependentAccess® requires your password to be at least six characters long and contain at least one alpha and one numeric character, and one Capital letter. Never use easy to guess passwords such as a simple series of numbers, a child's name, a birth date, etc. If we need to reset your password, we will change it back to your temporary one. If you lose a copy of your temporary password, we can provide you with another over the phone after verifying your information or via US mail. You can also click on ‘forget your password’ on the password page and after answering a couple of security questions, you will receive a temporary password via your email address on file. If you do not receive the email within 5 minutes, please contact us for further support. 

Does IndependentAccess® display more than just recent transactions for my account?

Yes, when you first enroll you will have access to the prior 30 days of activity. From that point on the system will display up to 18 months of history.

What Personal Finance Manager (PFM) does IndependentAccess® support?

IndependentAccess® currently supports versions of Money, Quicken, & Quickbooks. You may also download comma separated, tab separated, and fixed length text files that may be imported into other software products. View our easy-to-follow instructions.

How do I sign up for Bill Pay?

 You can contact us at Customer Support via phone or you can login to internet banking, choose ‘bank mail’ and send us a request through bank mail. 

What can I do to improve my Internet Banking system security?

In order to protect your identity, computer and online banking activities from online threats, many actions may be taken that include:

  • Patching your operating system and browser software on a regular basis which may be done using the vendor's service such as Microsoft's Automatic Updates.
  • Installing anti-virus and malware protection software.
  • Using a proxy server or DNS service that lessens that probability that you will visit a malicious site.
  • Be cautious about clicking on links in unsolicited emails.
  • Utilizing a firewall, either hardware or software based, between your system and the internet.
  • "Harden" your system by turning off unneeded services that malware may exploit and increasing your system's and browser's "privacy" or "security" settings.
  • Use different passwords or password variant among your internet sites such as email, banking, shopping, social media, etc.
  • Seeking professional services when you suspect your computer has been compromised.
  • Set up a non-administrator account for general use / browsing on your PC. This makes it more difficult for others to install malicious software.
Trouble Logging In

I can get to IIB's homepage but I can't get to the Login page.

For your privacy and protection, IIB requires your browser to support 128-bit encryption. If you do not know how your browser is set, please contact your browser supplier and ask them for instructions on setting your browser for 128-bit encryption. A link to the Microsoft Internet Explorer download site is provided on the Login Page.

When I try to login I get: "Your Session Has Timed Out. Please Login Again."

In order to gain access to online banking, your browser must have cookies enabled. A "cookie" is a small piece of information stored on your hard drive that maybe used to identify users in order to customize their use of the web site. However, we do not combine information collected by "cookies" with other personal information to derive or profile information about users. If you are getting the above error, your cookies may not be configured correctly. Please contact your browser supplier and ask them for instructions on how to configure your cookie settings.

I logged in the first time with the temporary password and created my own password, but now it won't let me in.

The password field is case sensitive. When setting your new password, the caps lock may have been on when entering the temporary password. The second time you tried logging in to the web site your caps lock was probably off, causing you to get a "Login Failed" error. Please contact the help desk to make sure your password has not been subject to a security lockout. Then try typing in your password with the caps lock on. If that doesn't work, try it with the caps lock off. If this doesn't work, please let us know and we can reset you back to the temporary password, which will allow you to login and create a new password.

I forgot my password.

If you forgot your password, please call the help desk and we can reset you to your temporary password. This will allow you to create a new customized password for future use. If you don't have a copy of your temporary password, we can provide you with another copy via US mail.

I keep getting a "Login Failed" error.

This error occurs when the user ID and/or password is entered incorrectly. It may also happen if you are entering the correct user ID and password, but your user ID has already been revoked by the system. This occurs when you enter your password incorrectly three or more times. If you know you have made more than three unsuccessful attempts to access the site, please contact the help desk to have your password cleared.

Am I locked out?

As a security feature, upon three unsuccessful attempts to use your password, your access to IndependentAccess® will be locked out. To re-establish your authorization contact the Online Banking help desk at (208) 947-1160 in the Boise area, or (800) 897-4863. 

Can I change my Password?

You will use your temporary password to login the first time. Then, it will prompt you to change the password. You can change your password as often as you like. For improved security of your password, please use random words and numbers. IndependentAccess® requires your password to be at least six characters long and to contain at least one alpha and one numeric character. Never use easy to guess passwords, such as a simple series of numbers, a child's name, a birth date, etc.

Keep the temporary password in a secure place. If we need to reset it, we will change it back to the temporary password provided to you by IIB.

Why doesn't my temporary password work?

If you have logged in to IndependentAccess® at least once before, you were required to set a customized password at that time. After creating the customized password, the temporary password will not be usable unless IIB resets your user ID. We will reset you back to the temporary password only at your request. If you are having trouble with your customized password, please refer to the For a "Login Failed" error (issue #5).

Is my user ID correct?

Your user ID is iib1 followed by the last four digits of your social security number for personal enrollees or the tax id number for businesses. For the system to recognize a user ID it needs to be entered with no spaces or dashes.

I can't seem to find my enrollment letter.

The enrollment letter contains your temporary password. The temporary password is assigned specifically to you and will not change. If you have misplaced your letter please give us a call and, after verifying some personal information, we will mail you another copy.

We’ve got the answers!