Personal Checking

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


Free Checking

Select Checking

Premier Checking

No Minimum Balance

Free Debit Card

Free Online Banking

Free Bill Pay

Free Mobile Banking

Free PeoplePay

Free SnapCheck

Earns Interest

Free Checks at Account Opening

Discounted Check Reorders

Free Overdraft Transfers

Free (4) Foreign ATM Transactions*

Service Fee




Additional Options

2 Free Overdraft
Transfers or 2 Free
Foreign ATM Transactions** Per Month



Direct Deposit and EStatement

The Premier Checking account can only be opened at a branch. Please visit a branch near you to open an account.

How To Avoid Fees

Minimum $5,000 Combined Balances or $25,000 or More with IFIS

Open an Account Now 

Open an Account Now 

For a complete list of fees associated with our new checking accounts, please visit our Retail Fee Schedule.

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

Free Change It Up savings program

Any personal checking account with a debit card attached++ allows you to start by transferring money to a qualifying account^ with every swipe^^ of your card. It's an easy way to save, and it's easy to sign up at any location or through our secure online banking email. 

  • Choose accounts to transfer to and from. The designated sending account must be a personal checking account and the receiving account can be any Independent Bank savings or checking account – it could be yours, your grandchild's, or even a non-profit's.

  • Choose an amount to transfer with each swipe – $.25, $.50, $1, or $2 – watch the savings add up!

Terms & Conditions

Free Independent Bank debit card

Your Independent Bank debit card is your source for cash. It allows you to make deposits at your convenience at any Independent Bank ATM and withdrawals from any participating national ATM network. .           

It’s a snap to switch to Independent Bank!

Click here for information on how easy and straightforward it is to switch from another bank to us, and check out our Switch Kit forms with simple instruction on how to switch.

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.

*Independent Bank foreign ATM fee waived and $2 of ATM owner fee refunded.
**Independent Bank foreign ATM fee waived.
Other fees and restrictions may apply.