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 "apply now."
A FREE checking account for everyone.
No minimum balance
If you bank on the go but want more customization, then our Custom checking account is for you!
Competitive interest rate
Our competitive rate makes saving easy.
A quarterly maintenance fee is assessed only if balance falls below $100
|Money market account||
The more you save, the more you earn.
Unlimited deposits and withdrawals in person
|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
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.
Our checking accounts feature
- Free Visa® 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.
Switching to Independent Bank is simple and straightforward! 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
Find a location.
Refer us to a friend!
When you refer us to a friend and your friend opens a checking account, you'll receive a $10 gift card as our way of saying 'thank you!'
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.