Open an account online

Welcome! At Independent Bank, we make opening your account simple, secure, and hassle-free. To get started, choose an account below and select "Open an Account Now"

Free checking

No fees, no requirements.

  • No minimum balance
  • FREE debit card
  • FREE online banking
  • FREE bill pay
  • FREE mobile banking*
  • FREE PeoplePay (person-to-person payments)
  • FREE SnapCheck (mobile check deposit)

Open an Account Now

Select checking

Choose your option: 2 FREE overdraft transfers OR 2 FREE Foreign ATM transactions.**
(Option selected after account is opened)

  • No minimum balance
  • Interest bearing account
  • Direct deposit and eStatement required
  • FREE debit card
  • FREE online banking
  • FREE bill pay
  • FREE mobile banking*
  • FREE PeoplePay (person-to-person payments)
  • FREE SnapCheck (mobile check deposit)
  • FREE checks at account opening

See today's rates

Open an Account Now

Eagle savings

Our competitive rate makes saving easy.

  • A quarterly maintenance fee is assessed only if balance falls below $300
  • Competitive interest rate
  • Access to cash in person or ATM

See today's rates

Open an Account Now

Money market account

The more you save, the more you earn.

  • Unlimited deposits and withdrawals in person
  • A monthly maintenance fee is assessed only if balance falls below $1,000

See today's rates

Open an Account Now

Certificate of deposit (CD)

We offer a variety of rates and terms on CDs.

  • Invest your money for a length of time that is appropriate for you
  • Interest rate is guaranteed for the term of your certificate
  • A CD can be opened with just $500

See today's rates

Open an Account Now

Independent Bank account validation

To complete your account opening, just select the button to confirm two small dollar deposits that will be posted to your account.

Finalize Your Account

 

Our checking accounts feature

  • Free Independent Bank debit card
  • No per check charge and unlimited check writing
  • Free online banking, bill pay and e-statements
  • Free Independent Mobile*
  • Free Classic Text+
  • Check safekeeping
  • Free telephone banking
  • Free teller transactions
  • Learn more about checking account features and options and customization.

 

Smart Switch

Switching to Independent Bank is simple and straightforward! Click here to download our convenient Switch Kit forms to transfer your automatic payments, direct deposits and account balances from your existing bank account to your new account at Independent Bank.

 

Find a banking office location near you

Click here to find a location.

 

Account disclosures and terms and conditions

Click here to review a complete list of account disclosures and terms and conditions regarding opening an account online.

*An Independent Bank account and online banking are required for enrollment in Independent Mobile.
**Independent Bank Foreign ATM fee waived.