Independent Financial Mobile 4+

Considering the lackluster previous app used by Homestate Bank and Guaranty Bank, the new Independent Bank app is truly AMAZING! I didn’t give it five-stars because I haven’t had the occasion to explore the app in-depth, yet. Things I love ‘fer shur’ already include the no-charge ACH money transfer and statements that you can actually print. I know I’m going to be able to track and manage my meager funds more accurately with this app and am pretty ‘shur’ that it won’t be long before I’m changing this rating to a five-star!

It seems as though every week I open the app 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.

Since GuarantyBnk became Independent Bank, we were switched to this app. 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 the app 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 this app and with Independent Bank so far. We are considering our options...