They are certainly a denomination, because on many occasions they are in the news for the latest edict that they pass down to their churches. The churches are pseudo independent because they do pretty much what they want, they are a part of the convention and I think that they can't leave the convention without giving up their building because the denomination owns it (I may be wrong there). I do know that the pastors and missionaries receive there retirement plans from the convention and the missionaries are paid by the convention as well.
Thank you Charles. I felt like they are more of an association. The Southern Baptist churches have so much autonomy that they do not seem to be on the same page. I know if they get too far off course some churches have been asked to leave fellowship with the SBC. I contacted the SBC since my original post and learned a bunch. In retrospect, I should have contacted them before posting. Regardless, thank you for taking the time in order that I can have a better understanding.
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