Independent Banker

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

Articles from Vol. 53, No. 11, November

Education and Training
Tech Training TipsThinking through the options when the new stuff arrivesYou've done all your product research, and the big day is here. Cardboard boxes empty as new hardware is installed and software is loaded. Employees look on with expressions ranging...
From the Top
A Revolution Underway-But Fed Pricing KeyMICR lines. Credit cards. ATMs. Debit cards. Internet banking. Each left an undeniable mark on the payments system. Yet another widespread revolution, check truncation, is near.The Check Truncation Act of the...
Keeping the Faith
Connecting with church groups to spread the financial literacy wordInner city Baltimore is not the typical Main Street, U.S.A.In a country where the national homeownership rate is a record-high 68 percent, only 50.3 percent of BaItimore's families own...
Newslines
Critical FCRA Bill Nears ApprovalAs Independent Banker went to press, Congress seemed poised to enact ICBA-supported legislation to make permanent essential federal preemptions for credit bureau reporting and affiliate information sharing under the Fair...
Portfolio Management
Pre-pefunded MunicipalsTaking advantage of the jump in priceConsider the following scenario: You are the treasurer for a small town with $10 million in debt, funded by a municipal bond issue. The issue costs your town 5.1 percent annual interest and...
Tightening Tech Budgets
Scaling back IT investments to squeeze profits from existing systemsWith limited budgets and an evergrowing number of new technologies to implement, community bankers are using their IT funds to better manage existing projects and the complexities of...
Working the Hill
ICBA's top-notch legislative team working the Halls of CongressLobbying is an integral part of the legislative process in Washington. Having the right connections, a heads up to events before they happen and the ability to shape legislation are critical...