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Business Banking


  • Banking at Your convenience: 24 hours a day, 7 days a week, 365 days a year
  • You get your Cash Fast!
  • *Next Day Funds Availability, take back the "float"
  • Eliminates the need to photocopy checks and write deposit tickets
  • Image of each check is displayed on your computer
  • Software totals each deposit and creates deposit ticket
  • E-mail confirmation of deposit
  • Deposits can be made to multiple accounts
  • You will have a permanent electronic file of all checks and deposits
  • How are you processing your deposits today?  We will do a complete cost analysis and show you how Cool Deposit can Save You Money!

*Depending on the type of check deposited, we may delay your ability to withdraw funds beyond the first business day.

Customer Testimonials
It has been exactly one year passed since we adopted the Cool Deposit System from Independence Bank. This system is very powerful, convenient and very easy to operate. We have gotten so many advantages from this system especially saving time and traveling. Also the customer service is awesome, because everytime we had a question, we always got help right away. The help was always just one phone call away.
Sonny Kim, General Manager
MD Corporate Services, Inc., New York City, NY
We have several accounts including an IOLTA account, or Interest On Lawyers Trust Account which is an escrow account that we deposit funds in for house purchases and refinances. With Cool Deposit we know when the funds are deposited and have access to them faster than if we banked the old way which allows us to be just that much more efficient for our clients and gives an edge on the competition.  Read More »
Christopher P. Rhodes
Harrington & Rhodes, LTD
We have been using Cool Deposit™ since February of 2006. With over 2000 checks received per month, I donít know how we ever lived without it. The efficiencies gained have been tremendous.
John Morgan, President
RIPAC, Warwick, RI
We have been a long time customer of Independence Bank and have been using Cool Deposit for 3 years. Cool Deposit allows us to make deposits right in our office and the money is available the next day. No more daily trips to the bank which saves us time and money. It's all about the ease of doing business and Independence Bank makes it easy.
Mark C. Doorley, AAI, President
Doorley Agency, Inc., East Greenwich , RI
Using Cool Deposit eliminated our daily trips to the bank and the need for making copies of checks, which saves us time (and time is money!). We also get accurate totals of deposits, have data at our fingertips, and are able to easily retrieve past checks and deposits from the archives on our system. For handling large amounts of checks, Cool Deposit is awesome! Bottom Line: Cool Deposit is a real time- and money saver for Exeter Fuel!
Rose Besson, Vice President
Exeter Fuel, Exeter , RI