Independent Banker

Founded in 1950, Independent Banker is a monthly trade magazine published by the Independent Community Bankers of America.

Articles from Vol. 47, No. 4, April

A New Day for CRA
Exams now cheaper, easier, faster Bankers used to grumble about their Community Reinvestment Act examinations. Now they talk about shorter and more meaningful compliance examinations, where examiners want banks to earn outstanding ratings. Many community...
A World of Difference
The third article of my five-part series on Total Card Management, IBAA Bancard Inc.'s new turn-key credit card option (Independent Banker, March 1997) outlined several key factors to consider if you've decided to become an agent bank for credit cards...
Branch Automation
Software for your customer service platform staff Last month we covered software specifically for tellers as part of our two-part review of branch automation packages. This month, we turn our attention to software for platform customer service workers,...
Debit Card Choices
Consider your offline or online card options carefully or Flathead Bank of Bigfork, Mt., the decision to offer debit cards became apparent gradually. Newly arrived residents to Bigfork, a lakeside vacation spot that doubles in population during the summer,...
Electronic Tax Payments
Know the opportunities and risks in handling corporate IRS payments Beware! Corporate taxpayers are mandated, in phases from 1995 to 1999, to make federal tax payments electronically using the U.S. Treasury Department's new Electronic Federal Tax Payment...
Equipment Leasing
It's a source of potential revenue with new risks and duties Increasingly, community bank customers want to lease their cars and equipment rather than borrowing money to buy them. Given this trend, you may wonder whether you should start a leasing program...
Estate Planning
Protect the future of your shareholders and your bank One of the most serious challenges in community banking-the retirement of major stockholders-has largely gone unseen, underappreciated or ignored, according to consultant David D. Shuster. Shuster,...
Fair Lending Twist
IBAA addresses various disclosures, revisions and definitions Editor's Note: To keep bankers informed of proposed rules and other issues of concern to regulators, the following column summarizes IBAA's recent testimony and comment letters to federal...
Fast, Thrifty Check Clearing
Electronic check presentment is today's answer for a new processing era Like separating children from their favorite security blankets, getting Americans to give up their checkbook is proving to be more difficult than many industry forecasters had thought....
FDIC Offers Bank Information Online
The Federal Deposit Insurance Corp. now offers a new service that enables the public to acquire statistical information about your bank and others over the Internet. With the new government service-called "Institution Directory" or ID service-Internet...
High-Tech Synergy
Everyday products link the Internet and electronic commerce Like the natural force of magnets to metal, the Internet and electronic commerce are pulling inexorably together. Advances in the Internet inevitably work to improve and further electronic commerce....
Independent Report
KANSAS BANKERS DONATE MONEY FOR BULLETPROOF VESTS The Community Bankers Association of Kansas presented $15,000 to the Kansas Bureau of Investigation so the law enforcement agency could buy 35 new bulletproof vests for its officers. The only vests that...
Introducing IBAA's New Officers
IBAA members elected a new slate of executive officers last month at the 1997 National Convention and Techworld in Phoenix. These officers, who will lead IBAA during the upcoming year, represent distinct communities throughout America. Some live and...
It's Time for Action to Secure Our Future
Just a few weeks ago, you honored me with the position of president of the Independent Bankers Association of America. I consider this position to be the most challenging of my professional career, and expect it to be one of the most demanding. I gratefully...
Lifelong Lessons
Colorado banker successfully blends high-tech services and Golden Rule Patricia Goodwin Kreps began her long career in community banking as a waist-high tyke growing up in rural Kansas. By the time she reached first grade, she was already helping in...
Limiting Payments System Access Bankers' Top Issue
Community bankers overwhelmingly favor limiting access to the payments system and voice little support for financial restructuring that stands high on the agenda of the U.S. Treasury Department and some members of Congress. That's the finding of a national...
Molding Leadership
Kentucky banker builds tomorrow's leaders today Soft-spoken Kentucky banker Mike Duncan provides his hometown community more than checking accounts, certificates of deposit and economic opportunity. He also molds future leaders, his personal mission...
Nashville Awaits
Come to the Vanderbilt/IBAA Securities Corp. Investment School May is a wonderful time of the year to spend a week in Nashville, Tenn., the home of Opryland, Southern hospitality, Vanderbilt University and the nation's only investment school designed...
PR Really Works
Join the growing momentum of our national effort We have already seen impressive results from our nationwide media relations campaign to take our message about community banking to America's consumers. Radio: Our public service announcement was aired...
Sales Incentives
They're fun and effective-and they boost productivity Last month, I explained why advertising was last on my checklist of community bank marketing tools. This month, we zip to the top of my listemployee incentives. Dollar for dollar, one of the most...
What Are You Worth?
In an era of seismic change, where technology roll-outs and industry consolidations continually rock the status quo, community bank workers may wonder whether to expect noticeably better paydays in the months ahead. Well, stash those worry beads, and...