De Novo Partnership Program


When starting a new bank, selecting the right correspondent banking partner can make a world of difference. Over the past 35 years, TIB has assisted hundreds of De Novo banks and organizers with virtually every aspect of their start-up. Our De Novo Partnership Program simplifies and streamlines your process, while reducing your up-front costs. From Escrow to Stock Loans to Operational Solutions, TIB has the size, strength, expertise and experience you need to get started off right

Correspondent banking is our only business. That means TIB will never compete for your customers. Like you, community banking is our livelihood. So, when you work with us, you will always know we
are working for your success first. To learn more about TIB, download our Flip Brochure.


TIB provides a standardized Escrow Agreement with daily account information, delivered timely via secured email, once your Escrow account is established. In addition, our Capital Markets
Division can help you maximize use of your Escrow funds via our turnkey investment services.


TIB excels at assisting new banks with Organizational Lines of Credit. Let our correspondent lenders work with you to create a tailored plan for your institution. We may also warehouse quality credits
for you, while your bank is in organization.


De Novo banks receive an additional 5 bps over and above our regular pricing on Principal Fed Funds Sold to TIB and MMDA for six months. Also,De Novos are eligible for a FFLOC up to 25% of capital for liquidity management.


TIB will provide your bank with FREE Safekeeping and Bond Accounting services for six months. We will also provide you with our state of the art A/L solution, ALCO Manager at a 50% discount during
your first three years of operation.


TIB will waive all start-up fees for Associate Card and Associate Merchant Programs during your bank’s first six months. Visit Card Services.


TransCom is your electronic banking connection with virtually every department within TIB. You will receive TransCom FREE for six months. Also, you will receive FREE Domestic and International Wires for six months (up to 25 domestic and 5 international wires per month for six months, when utilizing TransCom).


TIB will provide you with FREE forward presentment of your image Cash Letter items for six months.


As your Trusted Partner, TIB will remain beside you for the life of your organization. During your first fullyear of operation, your TIB Representative will contact you monthly or more often, depending on
your needs. But, our partnership goes far beyond that. As your bank grows through the years, TIB will be right there with you every step of the way.

For more information on this special package, please contact:

Don Briscoe
Senior Vice President
(972) 444-3585