Lean on a Bank with Answers

By Matt Kennedy
Marketing Coordinator

At Independent Bank, you can have your cake and eat it, all while receiving unparalleled personal service and the latest technology.

Walking into our branches, you will receive attentive service from the community bankers you know and trust. Walking out of branches, you can access the up-to-date convenience and reliability of financial products once thought exclusive to “big banks.”

Access Your Independence:

In addition to the reliability of Online Banking and eStatements, you now have the freedom to bank the way you want with Text Banking, Finance360 and the iPhone®/Android™ App. These recently released eServices will take you further, faster.

Text Banking

Convenience226563 is Independent Bank’s Text Banking number. It is also your ticket to convenience. Program this number in your phone and receive the answer you’re looking for with a few clicks of the button.

Simplicity - The text commands of “BAL” for balance, “HIST” for history, “XFER” for transfer, etc. will generate an instant text response with the information you need.

Freedom – You can stop use of Text Banking at any time by texting “STOP”.

*Click here to learn how to enroll in Text Banking. Before use, you must enroll in Independent Bank’s Online Banking and Mobile Banking services.


Organize - View balances/transaction history for all your financial activity (including non-Independent Bank activity) from one easy-to-use dashboard. Plan a monthly budget according to customized categories of your choosing (such as entertainment, dining out, little Bobby’s allowance money etc.).

Customize - Create personalized spending reports to track expenses, cash flow, credit card usage, etc.

ResearchSetup payment reminders, estimate the market value of real estate, add generic accounts with personalized values, and so much more.

*Click here to learn how to enroll in Finance360. Before use, you must enroll in Independent Bank’s OnlineBanking service.

iPhone®/Android™ App

Up-to-date – Check real time balances on accounts. View account activity on all Independent Bank accounts. Review pending items and search banking history by date/description.

Helpful – Locate nearest branch/ATM locations.

Active – Use Mobile Bill Pay. Transfer funds. Approve, cancel or view transactions. Send and receive secure messages.

Click here to download the Independent Bank iPhone® app
Click here to download the Independent Bank Android™ app

* You must enroll in Independent Bank’s Online Banking and Mobile Banking services to use the iPhone® or Android™ app.

— Click here for the complete menu of Independent Bank eServices —

Lean on a Bank with Answers. Lean on Independent Bank.

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inCon-trol and Irrigators Supply Value Planning and People

By Matt Kennedy
Marketing Coordinator

To put it simply, inCon-trol Water Systems is in the business of moving water. Its work, however, is far from simple. Whether the inCon-trol team is installing an irrigation pump or a distinctive water feature, they place special emphasis on the blueprint phase of construction, knowing that planning is essential.

On the flip side, when Irrigators Supply, Inc., inCon-trol’s sister company and authorized supplier, recently purchased a new office building in Little Elm they did not have to put much thought into what lender they would use. They turned to Independent Bank lender Robert Camp. After 14 years of working with inCon-trol and Irrigators Supply, Inc., Camp understands the ins and outs of their businesses. However, he approaches each new loan with the same amount of preparation he used on their first loan over a decade ago.

Camp’s ability to plan as well as his ability to adapt along the way, are among the many reasons Kenneth Phelps, inCon-trol CEO, values his relationship with Camp and Independent Bank.

“There’s no red tape with Independent Bank,” Phelps said. “Robert lives here and works here, which makes things easy and saves us time and money.”

In an age where the distinction between customers and numbers is painfully blurred, Independent Bank has stayed firm in its commitment to always provide customers the personal service they deserve. This means Independent Bank lenders listen before talking, research before requesting and will never tell you how your business should be run.

Phelps values Camp’s friendly and helpful nature because he said people are the heart and soul of inCon-trol’s and Irrigators Supply’s business so he likes to do business with people who share the same values.

Independent Bank’s modern convenience and technology are also important to Phelps. inCon-trol Water Systems and Irrigators Supply, Inc. both utilize Independent Bank’s remote deposit capture service to deposit checks without ever having to go into the bank.

“The products Independent Bank provides help to push our company forward,” Phelps said.

Irrigators Supply is also moving forward in the new office they just purchased, which is currently undergoing a remodel. In addition to serving as inCon-trol’s authorized supplier, Irrigators Supply offers a full line of Weathermatic, RainBird, Toro, Irritrol and Hydro-Rain products to the north Texas area. The company is also a proud Women Business Enterprise under the leadership of its president, Patty Phelps.

As Irrigators Supply and inCon-trol Water Systems move into the next phase of their business they can count on Robert Camp and Independent Bank to grow along with them.

Independent Bank. A Partnership You Can Bank On.

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Simplify and Manage Your Financial Life with Finance360

By Matt Kennedy
Marketing Coordinator

Remember when you threw away that basket of remotes in favor of one universal remote? Now you can do the same with your finances. With Independent Bank’s Finance360, credit card accounts, investments, car payments, mortgages and of course your bank accounts (including non-Independent Bank accounts) can be managed, organized and budgeted from one easy-to-use dashboard screen.

Convenience, Freedom and Reliability:

There’s no limit to what you can manage each day with Finance360. Balances and transactions are automatically updated on Finance360 once you input specified accounts, login IDs and passwords.


  • Organize - View balances/transaction history for all your financial activity (including non-Independent Bank activity) from one easy-to-use dashboard
  • Budget - Plan a monthly budget according to customized categories of your choosing (such as entertainment, dining out, Bobby’s allowance money etc.)
  • Customize - Create personalized spending reports to track expenses, cash flow, credit card usage, etc.
  • Research - Setup payment reminders, estimate the market value of real estate, add generic accounts with personalized values, and so much more

Independent Bank’s Finance360 is free and available to all Independent Bank’s Online Banking customers. Also, you can trust in the same ease of access and password-protected security given to all our Online Banking customers.

*If you’re enrolled in online banking, Finance360 is already available to you. Click here to learn how to get started with this free service today.

Independent Bank. A Partnership You Can Bank On.

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Constructing Lending Solutions to Help JoCo Builders Grow

By Matt Kennedy
Marketing Coordinator

Every patio, kitchen remodel and home JoCo Builders constructs is custom-made to meet its clients’ needs. Similarly, when JoCo sought a residential construction loan to expand its business, Independent Bank listened to its needs and created a custom solution.

The relationship didn’t stop there. Lender Kevin Poynter and Independent Bank helped JoCo Builders grow their real estate investments by 50 percent. Cory Priest, JoCo Builders Owner/Partner, appreciates how Independent Bank responds to their needs, instead of having a bank tell them how things should be done.

“Flexibility is very important,” Priest said. “Independent Bank continually meets our changing needs. From operating lines to real estate notes, they cover it all.”

Based in Waco, JoCo Builders has focused its business on building quality by leading the way in energy efficient technologies to ensure long-term performance. Owner/Partners Josh Wadsworth, Rob Baker and Cory Priest believe the construction business is a “people business.”

JoCo’s partners follow Psalms 15:4, which includes a pledge to keep oaths even when they hurt. Ensuring quality may cost them money, but they gladly do it in order to do the right thing and stand by their word. Baker feels that same sense of integrity from Kevin Poynter and Independent Bank.

“Kevin’s not some pencil pusher,” Baker said. “He knows our business, has a deep understanding of construction and provides decisions quickly.”

Wadsworth agrees that the accessibility and quick decisions of lenders is important, but he also appreciates how Poynter listens to JoCo Builders’ business plan and helps them think through it. Wadsworth said that Independent Bank has helped JoCo build new niches in its construction business.

Poynter can knowledgably talk through JoCo Builders business plan due to years of lending experience within the construction industry. However, Poynter knows each company is different, so listening plays a vital role in developing lasting lending solutions.

When developing solutions for JoCo Builders, energy efficiency is a big part of the discussion. JoCo utilizes third party engineers to create a “whole-house” approach to lowering energy costs. This approach involves spray-foam insulation to fill every crack and crevice in exterior walls, double insulated vinyl windows and efficient HVAC systems. Feedback from clients like Lisa Watson provides further insight into the fruit of JoCo’s work.

“JoCo created a quality home that has the custom look and features we wanted, while being mindful of our budget,” Watson said. “The energy efficient options that our builder suggested have proven to be very valuable.”

As JoCo Builders stay current with the latest technologies to provide lasting quality, Independent Bank will be there to meet its changing needs. A relationship Wadsworth values.

“There is no way to quantify the impact people have on developing quality relationships,” Wadsworth said. “Independent Bank is great to work with because it has great people who really care about their bank, their customers and their reputation.”

Independent Bank. A Partnership You Can Bank On.


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Adriatica Women’s Health Knows Comfort is their Business

By Matt Kennedy
Marketing Coordinator

Trust is important in any friendship, relationship or business. In the women’s healthcare business, earning patients’ trust is a necessity. Adriatica Women’s Health in McKinney gains its patients’ trust by providing superior healthcare products and service, while striving to make each patient feel as welcome and comfortable as possible.

For over a decade, Adriatica Women’s Health has proudly served patients in the North Texas area and Independent Bank has been right there along the way. Adriatica Women’s Health physician and co-owner Lori Halderman knows the importance of consistent partners in the midst of transition.

“Independent Bank has been our business bank for 12 years,” Halderman said. “We moved into two new offices all due to Independent Bank. We are now in a beautiful office building in Adriatica [a McKinney subdivision]. The bank has also helped us through slow business times to maintain our cash flow.”

Dr. Tracey Banks, founder and president of Adriatica Women’s Health, agreed with the importance of consistency, adding that she feels like her lender, Kevin Griffin, has her back and that personal service is one of the things she likes best about Independent Bank.

“No matter what branch I walk into, everyone knows me before I blink an eye,” Banks said. “You can’t get any more responsive service.”

Banks is familiar with the need for responsive, personal service as she strives to provide the “wow factor” to her own customers by making them feel welcome in every part of their experience. Her patients and the community have responded positively. One customer said she literally loves going to her visits and wonders how many clinics you could say that about. Another customer praised the beautiful and homey atmosphere, along with the great doctors and nurses. Additionally, Adriatica Women’s Health has also been honored with “Best of McKinney” and “Best of Dallas” selections.

Adriatica Women’s Health first came to Independent Bank when it was comparison shopping for loans. A simple enough action that happens on a daily basis. 12 years later, we are delighted that simple action blossomed into a lasting relationship that gives Independent Bank the ability to help a practice that makes an undeniable impact in the lives of women.

Independent Bank. A Partnership You Can Bank On.

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New Location at Your Fingertips with iPhone® & Android™ App

By Matt Kennedy
Marketing Coordinator

You may have put down roots, but those roots can now stretch a long way. Independent Bank’s new Mobile Banking app for the iPhone® and Android™ will allow you to bank on the go, wherever you are.

Convenient and Secure Mobile Banking:

Whether you’re looking for a cup of coffee or attending a webinar, convenience is essential. Independent Bank doesn’t think banking should be any different. With the Mobile Banking app from Independent Bank, you can use Mobile Bill Pay, check available balances, view account activity, locate the nearest branch/ATM locations and transfer funds safely and conveniently from your smart phone.


  • Mobile Bill Pay
  • Check real time, balances on accounts
  • View account activity on all Independent Bank accounts
  • Review pending items and search banking history by date and description
  • Locate the nearest branch/ATM locations
  • Transfer funds
  • Approve, cancel, or view transactions
  • Send and receive secure messages

Independent Bank’s Mobile Banking app is free and is available to all Independent Bank Online Banking customers. With the Mobile Banking app, you can trust in the same ease of access and password-protected 128-bit SSL (Secure Socket Layer) security given to our Online Banking customers.

*You must enroll in Independent Bank’s Online Banking and Mobile Banking services to use the Mobile Banking app.

Independent Bank. A Partnership You Can Bank On.

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Keeping it Simple Allows MOSAK and Independent Bank to Shine

By Matt Kennedy
Marketing Coordinator

Somewhere between thought and clarity lies the curse of business jargon. In a world where confusing phrases like “Synergizing logistics while utilizing core competencies” have become commonplace, Austin-based MOSAK Advertising and Insights works to reverse the business jargon curse.

MOSAK offers clear, simple advertising solutions, standing out from the pack to help businesses grow. Likewise, Independent Bank-Manor lender Jon Morgan works hard to maintain a straightforward, responsive relationship with MOSAK. A relationship that has stayed strong for the past four years by offering no fluff, just answers.

Independent Bank provides a working capital line of credit for MOSAK and recently delivered MOSAK the capital it needed to purchase their $2.4 million building. A move that Randy Cieslewicz, MOSAK Chief Financial Officer, described as very important.

 “Purchasing our building has proven to be beneficial to the strategic direction of the company,” Cieslewicz said.

Cieslewicz loves the business value that Independent Bank is able to provide, but he said the personal service MOSAK regularly receives is what he values most about the bank.

Monique Threadgill, MOSAK Founder and President, agreed that Independent Bank’s level of personal service stands out, adding that Independent Bank is extremely responsive, easily accessible and always helpful. She also loves that she can trust in the bank and the peace of mind it provides.

“Independent Bank gives us the ability to focus on growing and managing our business,” Threadgill said. “I love knowing that our bank is stable, secure and always looking out for our best interests.”

As MOSAK continues to operate under the slogan “Not Flashy, Just Bright”, they maintain a client-centered approach that focuses less on what will win advertising awards, and more about how their clients can improve their business. Independent Bank operates under the same customer-focused approach and is excited about partnering with an organization that shares its values.

Threadgill said Independent Bank makes MOSAK’s business run easier. You can’t get much simpler than that.

Independent Bank. A Partnership You Can Bank On.

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Independent Bank Helps McKinney Church Restore Historic Home

By Matt Kennedy
Marketing Coordinator

Weathered paneling, tattered blinds and worn carpet were just a few of the problems marking a historic home that had seen better days. The home, which sits squarely in the historic district of McKinney, TX on Lamar Street had undeniable charm, but needed help. When a “for sale” sign went up, St. Peter’s Episcopal Church stepped in.

With financing from Independent Bank, St. Peter’s was able to purchase the home, which is centrally located in an area that connects all the church’s other properties and will be used as a rental home. Rev. Michael Hoffman was pleased with the speed of the interim construction loan that Independent Bank lender Greg Steglich closed with St. Peter’s in November.

“The financing was an exceptionally easy process,” Rev. Hoffman said. “The bank met us where we were and responded to our unique needs.”

Once financing was secured, Ed Carel and Integrity Custom quickly went to work on the home. Carel, a contractor who has over two decades of experience in renovating historic homes, considers Rev. Hoffman to be a “visionary.” Carel met with the St. Peter’s staff in December and began the renovation project in January.

“St. Peter’s was wonderful to work with on this project,” Carel said. “Many of my vendors were willing to discount their work to help the church.”

Carel said that you need to posses a vision for “what can be” when buying a historic home. With patience, Carel said the result is worth it, as restoring “old gems” back to their original condition is what he loves most about his job.

“This house could have been easily passed up because of its poor condition,” Carel said. “It took only three months and a relatively modest budget to bring this piece of McKinney nostalgia back.”

The most dramatic changes to the home involved a skillful demolition of the main area. Carel’s team exposed and stained the wood floor that lay beneath the shag carpet. Cedar paneling was removed from a converted porch and makeshift living space to make it a porch once again.

“We had no idea what to expect,” Carel said. “Once we began the demolition of this area it was exciting to see much of the original material behind the shag and cedar on display once again.”

Carel said the finished product received many supportive comments from neighbors, some of whom remember the house when it was still in its original state over 40 years ago.

The renovated home was not the first St. Peter’s has renovated. As a church that has been a part of McKinney for over 130 years and is landlocked in the middle of the historic district, St. Peter’s has been creative with the growth of its facilities. The church converted a nearby home into its office and another home into space for its youth ministry.

According to Rev. Hoffman, the Lamar Street home could be used for a number of possibilities in the future, from a parsonage or rectory for a staff member to a shelter for families in need. Until the project is paid in full though, Rev. Hoffman said the house will be a rental property.

Rev. Hoffman considers St. Peter’s renovation of the Lamar Street house part of the church’s mission to impact the community, in much the same way the church feels called to work with local charitable organizations and schools.

“Churches are not institutions or buildings,” Rev. Hoffman said. “Churches are communities of believers who join together for worship and to work together to make a difference for the kingdom of God.”

Independent Bank shares St. Peter’s commitment to the community and is dedicated to continue efforts to better the communities it proudly serves.

Independent Bank. A Partnership You Can Bank On.

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Hassle-Free Loans Make Star Smiles Pediatric Dentistry Beam

By Matt Kennedy
Marketing Coordinator

Star Smiles Pediatric Dentistry in Georgetown, TX found out that stress is not part of the equation when asking for a commercial real estate loan from Independent Bank.

Relationships thrive when trust and responsibility are present. Independent Bank’s responsibility is to uphold our clients’ trust by treating them differently than large, impersonal banks. That responsibility extends to the perceived stressful task of asking for a loan.

When Star Smiles needed a commercial lot loan, they turned to Independent Bank. What they found was something different than they have ever experienced. Adrian Gonzales, Star Smiles office manager and partner, said that his interactions with their lender Chris Logue, Independent Bank-Georgetown President, and everyone at Independent Bank have been pleasant and easy.

“We gained simplicity and peace of mind from Independent Bank,” Adrian said. “Getting our lot loan for our new office was the easiest I’ve ever received. Chris has been great from the start and continues to provide great service.”

Other banks may tell you how your loan will be processed in complicated banking terms, direct your questions to an automated phone system, and extend the length of processing your loan. Dr. Kelly Gonzales, Star Smiles partner, found out that Independent Bank lenders like Chris Logue listen to your needs before conversationally explaining possible solutions, answer your calls personally, and work hard to find fast, lasting loan solutions.

“Our commercial real estate loan with Chris was the easiest we’ve ever experienced,” Kelly said. “Chris offers great rates, explains everything simply in layman’s terms and provides great tips on the banking process.”

Star Smiles prides itself on its well-trained staff that loves children and their “mother’s touch to children’s dentistry.” They provide specialized dentistry from infancy to teenage years and care for special needs patients of all ages. Star Smiles focuses on preventative care to help each child have “a smile that will last a lifetime.”

Star Smiles’ relationship with Independent Bank continues on. Once Star Smiles builds its new office, they will be able to offer the same great service geared around kids, only in an expanded and more efficient “child-friendly” environment.

It all started with a loan from Independent Bank, which Dr. Kelly Gonzales rates “five out of five stars.”

Independent Bank. A Partnership You Can Bank On.

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A Realtor’s Tips on Selling Homes in a Buyer’s Market

By Matt Kennedy
Marketing Coordinator

Desperately scanning the walls to search for areas in need of touchup paint. Cleaning twice a day. Setting out a fresh pot of coffee or baking cookies to help potential buyers feel at home.  In an age when the phrase “it’s a buyer’s market” is on the tip of every listing agent’s tongue, sellers must do whatever they can to entice house hunters.

Whether the market favors the buyer or the seller, Independent Bank’s motivation never changes. Independent Bank is committed to delivering “above and beyond service” through its two proven mortgage partners Square One Mortgage (North Texas) and Independent Bank Mortgage (Austin) in offering customers competitive rates and unmatched personal attention.

Independent Bank has worked with many great listing agents who know what it takes to sell a house. One of those agents is Denice Webb from Halo Group Realty. Webb is currently assisting several clients who are using Square One Mortgage.

Webb said the best way to get a home sold fast in a buyer’s market is to price the home at the seller’s lowest comfort level. However, she likes to appeal to a buyer’s senses by adding soft music or an appropriate scent when showing a home. According to Webb, improvements to the outside of a house can be just as important as changes to a home’s interior.

“Curb appeal is everything,” Webb said. “I always suggest brightly colored flowers planted in pots around the front and a clean, freshly painted front door.”

Visualization is an important part of a buyer’s process when looking at homes. Making a home look like a place where friends will want to visit and stay helps to “bring life” to a home.

“I love to make conversation pits to make the house look homey and inviting,” Webb said. “I like to put couple of chairs together with a table and a lamp between them. One chair usually has a pillow on it, and the other has a throw.”

Some improvements may seem important to the seller, but may not improve the resale value of the home.

“Everyone loves an updated kitchen,” Webb said. “But unless your buyers are gourmet cooks, they will not require high-end appliances. I would say to go with black or stainless appliances, but you don’t have to install the top of the line brands.”

As Webb continues the practice of making homes look inviting and “homey,” she said she will continue to use Square One Mortgage (a division of Independent Bank) because she believes they provide excellent service and they don’t lead buyers on by giving them a false sense of hope if they aren’t qualified to purchase a home right away.

“I always hand my buyers three cards in order to help them choose their lender,” Webb said. “I am always glad when they choose Square One and Independent Bank.”

Independent Bank. A Partnership You Can Bank On.MemberFDIC_EqualHousingLender_2011

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