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Earn up to $200* with a new OneAccountLogoV2  Account.

Open an Account

Terms & Conditions 

How to Earn Your New Account Bonus:

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Apply Online

Complete our online application.

Open an Account

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Establish Direct Deposit

Earn $100 when you receive 4 or more direct deposit transactions of $50 or more within 90 calendar days of opening your account.

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Swipe Your Debit Card

Earn $100 when you swipe your new debit card 15 times each month for the first 90 calendar days of opening your account.

 


A Checking Account Designed For You

Earn up to 5.00% APY**

When you swipe your Independent Bank Debit Mastercard, the more you swipe, the more you earn. You could earn up to $500 a year!^

Learn more here

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More FREE Perks

Enroll in the FREE Club Checking Bundle, and enjoy discounted movie tickets, Roadside Assistance Expense Reimbursement1, Cell Phone Protection2, mobile coupons, and more3!

Learn more here

Carefree Overdraft Options 

Take advantage of multiple Overdraft Privilege options that best suit your needs with your ONE Account.

Learn more here

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Take control of your finances by banking anytime, anywhere with ONE Wallet Online and Mobile Banking. Download our 4.5 star rated app from both the Apple App Store and the Google Play Store.

Download on the App Store  Get it on Google Play

Learn more here

OneWalletLogoPlusV8

ONE Wallet+, available within ONE Wallet Online and Mobile Banking, is a free tool that allows you to consolidate multiple accounts, including other bank accounts, credit cards, mortgages, car loans, and investment accounts, into one place! You can create budgets, manage trends, and even set financial goals!

Learn more here

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Secured & Insured

Enjoy peace of mind with our 24/7 fraud monitoring with our Debit Mastercard®. Additionally, your funds are Member FDIC insured.

Learn more here

And That's Not All

  • The account is free when you enroll in monthly eStatements.+
  • Independent Bank waives your fees at over 32,000 MoneyPass ATMs nationwide. Visit Moneypass.com today to find one nearest you.
  • Easily switch your direct deposits and automated payments to your new account with ClickSWITCH

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Open an Account

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*Subject to 1099-INT reporting. Offer paid out within 60 calendar days of qualification. Valid for new checking account customers only. Cannot be combined with any other offer. Account must be in good standing to receive the bonus. Account must be opened by December 31, 2024. 

**Please see Current Rates for interest tiers. Annual Percentage Yield (APY). Rate based on monthly volume of debit card swipes. Rate subject to change without notice. 

^Up to $500 example based upon an average daily balance of $10,000 and 46 or more debit card swipes each statement period. Interest of 0.10% APY will be paid on balances over $10,000.01.

1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

2$50 Deductible applies. Maximum of two (2) claims per year. Covers up to four (4) phones on a cellular telephone bill.

3Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefits for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits. Guide to Benefits document is given at time of account opening.

+If eStatements are not selected, a $3/month fee will be assessed for paper statements. Fee may reduce earnings. $10 minimum deposit is required for all accounts at account opening. Accounts are subject to standard account opening guidelines. Other fees and restrictions may apply.