Solutions

APPI Energy provides IBA members with a comprehensive way to reduce energy expenses and minimize budgetary risks. Our procurement services negotiate with suppliers to offer ideal pricing and contract terms to fit your specific needs. In addition to competitive energy procurement, APPI Energy also provides efficiency and sustainability solutions, such as LED lighting retrofits, benchmarking programs, energy reporting systems, and facility audits. Our holistic energy services provide financially and functionally vetted solutions to decrease energy costs, reduce demand, and improve resiliency and sustainability. We are here as a true extension of your team.

Ascensus is the industry leader in supporting IRAs, HSAs and other tax preferred savings plans. For more than 40 years Ascensus has delivered comprehensive IRA and HSA solutions and education to the banking industry. With one of the largest ERISA consulting teams in the country and training solutions to keep your organization informed, Ascensus’ capabilities ensure workflow compliance and efficiencies. Ascensus is the clear choice when looking to bring your IRA and HSA programs to the next level.

BankMarketingCenter.com is a web-based marketing portal that empowers banks to produce professionally designed, bank-branded marketing materials in a matter of seconds. With thousands of successful marketing materials and over 9 million stock photos, it puts you in complete control of the ad production process, saving valuable time and money.

BankTalentHQ is the premier talent management site for financial industry careers, brought to you by an alliance of state banking associations working together. Finding and keeping top talent is high on the list of challenges banks face, and the solution is BankTalentHQ! Whether you are looking for a job with a financial institution, or you are an employer with a position to fill, BankTalentHQ is here to help. Continue furthering your banking career, or increasing the success of your staff, by interacting with our BankTalentHQ coaches and checking out the information on the Career Outlook and Colleges & Universities pages. Talent Gathers Here!

Being successful in the financial arena means being flexible to your account holders' ever-changing demands and preferences. At Deluxe, we strive to be an indispensable partner to financial institutions and the small businesses they serve. We help unlock business potential with our Trusted Payments & Business Technology™ solutions to help you pay, get paid, and grow. Whether you want to optimize your check program, have better access to your financial institution's performance, drive revenue, or create long-lasting customer relationships, Deluxe is the partner who can help you achieve success.

Banker’s Dashboard unlocks a culture of performance management for community banks of all sizes. Arm your management team and staff with the daily financial information they need to make critical decisions that improve performance and profits. Get your hands on the tool our CFOs bring with them when they move to a new bank.

The IBA Advantage 401(k), powered by EPIC Retirement Plan Services, uses a Group Investment Trust which pools the assets of participating plans. This provides scale and purchasing power resulting in reduced pricing of plan administrative services and investments. Full fiduciary protection for a plan sponsor is provided by a 3(38) Investment Manager and a Discretionary Trustee. And, unlike a MEP, each adopting plan operates individually allowing for customized plan design best suited to each employer. Ask us for a no-cost, independent analysis of your current retirement plan to see how it compares to The IBA Advantage 401(k).

Evolv, Inc. offers a complete menu of payment processing and digital marketing solutions to businesses of every size and industry type. Since 1997, we've empowered firms across the nation to accept payments safely and efficiently. Our full suite of payment processing and digital marketing solutions increase sales while decreasing costs and mitigating risks. Our friendly and reliable in-house customer service supports our solutions. Our Merchant Solutions: Credit, debit, and gift card acceptance; Buyer's Choice-eliminating up to 90% of credit card fees; Debt repayment solutions; Robust point-of-sale systems; Contactless smart terminals; Invoicing, ACH, and online billing; Ecommerce shopping carts; Website development; Social media management; Reputation management; Paid online advertising; Search engine optimization

Floodplain Consultants (FCI), a flood zone certification provider, provides extra service and accuracy via a site visit policy on all borderline properties at no additional charge. By partnering with clients, FCI reduces staff workload, increases customer satisfaction, reduces the risk of costly compliance problems, and helps improve the lender's bottom line.

We know the importance of having the right insurance coverage for your financial institution. That's where the Illinois Bankers Insurance Services (IBIS) comes in. At IBIS, we understand the unique needs of banks, and we're dedicated to providing top-quality insurance services to meet those needs, protecting your institution, your team, and your customers. We offer a full range of insurance solutions for banks and bankers. This includes Financial Institution coverages, Property & Liability insurance, Workers Compensation, and a menu of Employee Benefits. We understand that every bank is unique, and we'll work with you to create a customized insurance plan that meets your specific needs. One of the ways we do that is by offering BOLI through our newest partner, Banc Consulting Partners (BCP). BOLI, or Bank-Owned Life Insurance, is a type of insurance that can help your bank manage its financial risk and provide benefits to your employees. BCP is an industry leader, uniquely positioned and steadfastly committed to providing comprehensive consultation and personalized service to the community bank marketplace. In addition to BOLI, IBIS is a partner of ABA Insurance Services, a subsidiary of the American Bankers Association. ABA Insurance Services is a leading provider of insurance solutions for banks, and our partnership allows us to offer even more resources and expertise to our bankers. At IBIS, we believe that your leading bank deserves leading industry expertise. We're committed to providing the highest level of service and support to our members, and we're dedicated to being your go-to resource for insurance solutions. Contact Adam Walsh today to let us ensure your insurance needs are met.

interface.ai is a market leader providing out-of-the-box Intelligent Virtual Assistant (IVA) that acts as a “personal bank teller” to help customers 24x7 through every step of the journey from being a prospect to achieving financial wellness. interface.ai’s AI-powered call center, where the IVA is available on the call center channel, has been revolutionizing financial institution call centers by transforming the call center from a cost to a revenue center. interface.ai powers several financial institutions across the globe and processes millions of conversations every day. interface.ai enables millions of dollars in ROI for its customers every month. For more information, please visit www.interface.ai.

Over the last five decades, Investors Title has partnered with over 500 financial institutions to establish lender-owned title insurance agencies, providing a profitable fee income opportunity and superior products and services. Our partners benefit from reliable, diversified, and profitable revenue streams. Our agency program offers affiliates a reasonable, often superior return on investment for little risk. In addition, regulatory requirements specify standards for both title insurance agents and financial institutions. Our lender-owned title agency model demonstrates a commitment to such standards through ALTA Best Practices and RESPA compliance, focusing on exceptional service and solution-driven products for our partners and customers. Affiliate-owned agency in Illinois is managed and underwritten by Investors Title. In addition to its main office in Springfield, IL, Real Estate Title Center, known locally as The Title Center, serves Illinois through its ten branch offices spanning from Quincy in the west, Champaign in the east, Peoria in the north, and Edwardsville in the south. They have over 30 owners and a robust and dedicated staff with 300 years of title, settlement, construction, and escrow experience. The agency’s strong focus on superior customer service and operational efficiencies is the hallmark of its success. The Title Center has built a team of experts who offer innovative business solutions, exceptional products, and excellent customer service. They pride themselves in consistently delivering outstanding title and settlement services to financial institutions, lenders, attorneys, realtors, and builders doing business in Illinois. They also coordinate and underwrite even the most complex local and out-of-state commercial transactions.

KeyState offers banks with over $750 million in assets the opportunity to form a wholly-owned captive insurance company through its Bank Captive Program. A captive insurance company or a legally licensed limited purpose property and casualty insurance company can Augment a bank's commercial policies by covering the existing commercial deductible layers; Increase coverage levels on existing policies (excess layers); and Identify and insure other currently unfunded risks where commercial insurance is not available to the bank. Through a captive program, banks can: Improve their enterprise risk management; Better manage unfunded risks; Formalize a self-insurance program; Realize efficiencies and savings related to insurance expenses and loss mitigation; and Take advantage of a small business incentive available under a section of the Tax Code. What makes KeyState's Bank Captive Program different from its competitors? The primary differentiator is our deep knowledge and expertise working with banks and their regulators in evaluating structures and responding to regulator inquiries. The Bank Captive Program is the only captive solution in the country designed and managed for the sole benefit of community banks throughout the United States.

Established in 1999, Liquid Capital provides alternative financing solutions to business to business companies. Financing programs include, accounts receivable factoring, purchase order and work-in-process (WIP) financing as well as asset-based loans. We address issues such as constrained cash flow, supplier payments and leveraging receivables and hard assets for a revolving line of credit. With a North American footprint and substantial capital availability, Liquid Capital, along with its parent company Garrington Capital, has provided over $6 billion in financing transactions. We work with a wide spectrum of industries, ranging from newer companies and those that have been around for generations. Our business model is relationship based combined with a high level of service. In addressing the needs of banks and their lenders, Liquid Capital developed the Bank Alliance Program. In a bank’s ongoing efforts to attract and retain customers, being able to differentiate the bank in a highly competitive marketplace, is a key objective. Having a diverse portfolio of financing solutions, traditional and alternative, allows the bank to address a variety of scenarios, enhance their image and message and greatly improve their ability for customer acquisition and addressing the needs of current customers. The Bank Alliance Program is a collaborative effort between the bank and Liquid Capital to design a strategic program built around the bank’s needs and preferences and that will complement and enhance current and/or evolving business plans. Customization can include “White Labeling” the program if desired, to meld with the bank's branding and imaging. The program also provides an additional revenue stream through referral fees for closed financing transactions. With the Bank Alliance Program, the bank has the ability to: Offer More - Do More - Be More

When it comes to running a business, there’s always one thing you can count on: change. That’s why staying agile, adaptive, and ahead of an ever bending curve is so important. You need more than a supplier in your corner. You need a collaborator with the power to deliver on big initiatives, plus the focus to notice the smallest details. The Office Depot® Business Solutions Division will be rebranded to ODP Business Solutions, a leading B2B solutions provider serving small, medium, and enterprise level companies during the second quarter of 2022. Work has changed, and we’re evolving our focus to focus entirely on your business needs.

SBS CyberSecurity helps business leaders identify and understand cybersecurity risks to make more informed and proactive business decisions. Since 2004, SBS has been dedicated to assisting organizations with implementing valuable risk management programs and mitigating cybersecurity risks. SBS provides turnkey offerings tailored to each client’s needs, including: • Risk management solutions • Network security, consulting, and auditing services • Education • vCISO partnerships • Microsoft 365 Controls Assessment • And more! You are invited to join our monthly Hacker Hour webinar series. These webinars are an interactive and engaging cybersecurity training experience - offered free of charge. Each month, our host invites a cybersecurity expert to join the webinar to discuss current cybersecurity issues and emerging trends. Hope to see you there!

SRM (Strategic Resource Management) has helped 1,000+ financial institutions add more than $5 billion of value to their bottom line in areas such as payments, digital transformation, core processing, digital assets, and overall operating efficiency. SRM has lowered costs, created revenue opportunities, increased productivity, and provided a competitive edge for clients in an environment of constant and accelerating change. Visit www.srmcorp.com for more information and follow us on LinkedIn and Twitter for timely and relevant insights.

UFS is a bank technology outfitter with a simple promise to make technology work for community banks so they can focus on banking. Owned by community banks, partnering only with banks, regulated like a bank, and heavily staffed with former bankers, UFS is accountable for providing purpose-built technology solutions that empower banks to thrive and achieve their own unique goals. Founded in 1991, UFS has been improving regulatory compliance, driving efficiency, and thwarting cybercrimes with innovative solutions such as: Managed IT Services, IT Regulatory Compliance, Cybersecurity as a Service, Regulated Cloud Hosting, Core Banking, Digital Banking and more.

The Voya Bank Advisory Group works with community and regional banks seeking to enter the broadly syndicated senior loan market. Using Voya's access and support, the bank develops a customized Commercial & Industrial loan portfolio in line with the bank's credit standards and regulatory expectations. The floating rate loans can help manage interest rate exposure and diversify loan portfolios.