checking

At Independent, we believe choices and options are standard. That’s why we designed our accounts so you can pick the services you need.

Classic checking
A free account for everyone.

  • No minimum balance
  • No monthly service charge
  • Choose from available option: Delivered for $5 per month

Custom checking
If you bank on the go but want more customization, then Custom checking 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
  • Choose from available options: Delivered or Access Unlimited for $5 each per month

Complete checking
Do you want it all? Enjoy extra benefits, club perks and more!

  • Competitive interest rates
  • No monthly service charge with an average daily balance** of $5,000 or more, or a combined balance greater than $25,000 or investments over $25,000 with Independent Financial & Insurance Services, otherwise a $15 monthly service charge applies
  • Choose two additional free options or get all three for $5 per month: Delivered, Access Unlimited or Horizons Club

So many options to customize your account:

  • Delivered: Receive check images with your monthly statement.
  • Access Unlimited: Free ATM transactions. Choose your ATM with unlimited transactions at non-Independent Bank ATMs.***
  • Horizons Club: For those interested in club benefits, you’ll receive discounts on checks and safe deposit boxes, local merchant discounts, exclusive trips, seminars and more!

Save time and money with these great features which are included with all of our personal checking accounts:

Free account alerts to manage your account and debit card

Free mobile banking
Independent Mobile
* gives you the flexibility to manage your accounts on the go, including loans and savings. Review your transaction history and transfer funds between accounts. See how easy it is to have 24/7 account access at your fingertips with free mobile banking.

Free Visa® debit card
Your Visa debit card is your source for cash, allowing you to make deposits at your convenience at any Independent Bank ATM and withdrawal from any participating national ATM network. Use it to sign for your purchases at millions of places that accept Visa debit cards or get cash back at point of sale.

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!'

Transit routing number
Independent Bank’s transit routing number is 072402652. Use this number to set up your drafts, direct deposits and outside transfers.

How do I balance my checking account?
To get started, use the Balance Your Account form.

Identity theft protection
We’re committed to safeguarding your privacy. To learn more about identity theft protection, visit the Deluxe Provent website.

*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.