Independence Community Bank is a franchise of Sovereign Bank. It offers business accounts, business loans, cash management accounts, checking accounts, educational loans, equity loans, IRAs, money market accounts, mortgages, mutual funds, personal accounts, personal loans, rollover plans, savings accounts, tax-free investments, account inquiries, bill payment services, brokerage services, wealth planning and personal financial planning. Additionally, it offers major credit cards such as Visa, MasterCard, American Express and Discover.