Why do you need a checking account? It’s one of the most basic yet one of the most important steps to financial independence. You’ll get a free Visa® debit card which means you can use an ATM to take money out of your account. You can make deposits at any Independent Bank ATM and withdraw cash from any participating national ATM network. Plus you can use it to sign for your purchases at millions of places that accept Visa debit cards or get cash back at point of sale.

Other free stuff with checking:

  • Online banking, bill pay and e-statements
  • Independent Mobile*
  • Classic Text**
  • No per check charge and unlimited check writing
  • Telephone banking
  • Teller transactions
  • Savings accounts

Learn more about our other customizable checking accounts, including accounts with a competitive interest rate. To find open an account that fits you, stop by your local Independent Bank office or open an account online.

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!'


*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.