Independent Banker

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

Articles from Vol. 51, No. 10, October

Audio Training
Banker Education Banks dial up education services and eliminate travel expenses When given the choice between sending staff on the road for training or registering them for an ICBA audio course, it's a no-brainer for Senior Vice President Rochelle Wittkopf...
Banking-American Style
Eastern European bankers come and learn U.S. community banking When describing what he learned about trust during his internship at an American community bank this summer, Russian banker Pavel Zaitsev recounts the 19th-century Krylovian fable of the...
Banking on Business
Lender Life More than ever, service is winning in the small business lending game When Rick Stephens pulled out of Bank of America 10 years ago, he left nothing behind. The Arizona insurance agency owner took all his personal and corporate accounts with...
Cash Conscious
Cover Package After five years, ATM surcharging still drives different responses and approaches. There are issues that unite community bankers and issues that divide them. Collecting surcharges from non-customers who use a bank's ATM is an issue that...
Cleaning House
Bank Investments Year-end 2001 is a great time to restructure your bank's portfolio Bank investment portfolio restructuring usually takes place at either the beginning of the year or at year-end, and this strategy can be based, in part, on the outlook...
Digital Statements
Web Worid Online card data tool can help banks retain key account relationships Convincing customers to use a credit card for purchases is not a difficult task. Getting them to use a particular bank's credit card, however, is another matter. With MyCardStatement.com,...
Directing Traffic
Marketing Matters Draw customers' interest by positioning displays strategically It's all about location, location, location. And community banks own some of the best retail spots in town-- their branch lobbies. Unfortunately, a surprising number of...
First Impressions
The late William Bernbach, co-founder of an influential New York advertising firm, once said, "Nobody counts the number of ads you run; they just remember the impression you make." Best known for his belief in the importance of creativity in advertising,...
Leader as Lobbyist
Senior executives get call to arms to have their voices heard in Washington Editors Note: While this story relates to how a health care executive worked to participate in and influence public policy, the points made herein are applicable to the banking...
Making Aggregation Work
Guidelines to build a foundation for emerging online account aggregation operations The latest alternative in the e-- banking revolution, account aggregation, demands forethought, forecasts and foresight-all of which are contained in voluntary guidelines...
Masters of Compliance
Insights from top compliance officers on handling the regulatory rules Pamela Dunson has been in banking for 28 years and a compliance officer for 15 years. Back when she started, there were 24 Federal Reserve regulations. Since then, nine have been...
Open for Business
Horrific. Despicable. Barbaric. Monstrous. Even, yes, evil. We've called on these words, yet they are inadequate to fully express and comprehend our profound grief, anger, disbelief and moral outrage. As President Bush said, "None of us will ever forget...
Reaching the Affluent
Setting a strategy to attract and retain well-heeled customers When the time came for First National Bank in Ronceverte, W.Va., to expand its operations five years ago, it had two clear paths to take. It could go the typical route, opening a third traditional...
Software Sidelights
Developing niches in the software selling world To paraphrase a familiar TV commercial... a group of community bankers in Texas and Oklahoma liked the software made by one vendor so much, they bought the company. Meanwhile, in Wisconsin, one community...
Taking on Television
Bank Marketing Profile Community Bankers are using the ICBA turnkey advertising program, "Financial Power Right Here At Home." The program includes ready-made ads for newspaper, television, radio and billboard advertising media. It is designed to give...
Trend-Setting
Cover Package What's ahead for shared-payment ATM infrastructures A number of market forces are reshaping shared payments utilities, the underpinnings for the nation's payments systems-ATM networks, point-- of-sale networks, ACH networks, bill payment...
Voicing the Issues
Comments to Regulators Regulators speak on broker-dealer definitions, Basel Accord rules Editor's Note: To keep bankers informed of proposed rules and other issues of concern to regulators, this column summarizes recent testimony and comment letters...
What's Behind Basel
Bank Operations Today's newest operational risks require sound policies and oversight Editor's Note: Any opinions expressed are the author's alone and do not necessarily reflect the views of the Federal Reserve Bank of Chicago or the Federal Reserve...
Working the Media
Practical advice on how to ensure your message gets out and heard Most bank presidents shy away from the limelight, particularly when it comes to dealing with members of Congress or the press. Maybe it's because they are hesitant to receive credit for...
Xbrl
A new software language to bring more analysis and efficiency to online data exchange There's a revolution in the making. On the heels of the Internet's all-encompassing influence on the banking and finance industry is a new paradigm in information exchange...