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"

Classic checking

A FREE checking account for everyone.

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Free Independent Mobile*
  • Choose from available option: Delivered (Receive check images with your monthly statement) for $5 per month

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Custom checking

If you bank on the go but want more customization, then our Custom checking account is for you!

  • Competitive interest rate
  • No monthly service charge with an average daily balance** of $1,000 or more, or an auto-pay on an Independent Bank loan, otherwise a $10 monthly service charge applies
  • Free Independent Mobile*
  • Choose from available options: Delivered (Receive check images with your monthly statement) or Access Unlimited (Choose your ATM with unlimited transactions at non-Independent Bank ATMs.***) for $5 each per month

See today's rates

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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

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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

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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

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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.
+An Independent Bank ATM or debit card is required for enrollment in Free Classic Text.
**The average daily balance is calculated by adding the principal in the account for each day of the cycle and dividing that by the number of days in the cycle.
***Independent Bank’s foreign ATM fee will be waived and $2.00 of the surcharge fee per transaction from the owner of the ATM will be credited to the account.