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Disclaimer

You are now leaving the Independent Bank website.

Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.

Click “OK” to continue or “Cancel” to go back

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SPECIAL OFFER FOR YOU
New Independent Bank checking customers
can earn up to

600_V7
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Open an Account

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Most Popular 

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Great if you want a free1 interest bearing account!

  • Earn up to 5.00% APY1 simply by using your Independent Bank Debit Mastercard®
  • FREE^ bundle includes cell phone protection**, mobile coupons, discounted movie tickets***, & more****
  • We offer multiple Overdraft Services

Open an Account

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Bank On Certified^^

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Great if you want a free2 account with no overdraft fees!

  • $0 minimum deposit to open and no account fees
  • Spend only the money you have available, without worrying about overdraft fees
  • Great for students or if you need to rebuild a positive checking account history with a financial institution

Open an Account

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Here's what you'll get with each account:

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ONE Wallet

Take control of your finances by banking anytime from the comfort of your computer, phone, or tablet with ONE Wallet online & mobile banking.

  • View transactions and history from a single page
  • Transfer funds between Independent Bank accounts and accounts at other financial institutions
  • Lock your debit card, setup restrictions, create transaction alerts, and set travel alerts

 

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4.5 Star Rated App

Take advantage of our 4.5 star rated app on both the Apple App Store and the Google Play Store.

Download on the App Store  Get it on Google Play

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Carefree overdraft policies 

Spend only the money you have available, without worrying about overdraft fees with Opportunity ONE. Or take advantage of our Overdraft Services with our ONE Account.

Learn More

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Earn up to $500 every year!

Refer your friends & family & you’ll both receive a $50 Mastercard® Reward card as our gift to you when they open a new account, up to $500 annually.
Please see terms and conditions

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And that's not all

  • 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
  • Pay with your free Debit Mastercard®, Bill Pay, Mobile Wallet, and Zelle®
  • We partner with Harland Clarke to offer you the highest quality personal checks. For your protection, we must place first time orders and orders with name and/or address changes. Order now

Open an Account


Prefer to Open at Your Local Branch?

We'll send you a promo code, so you can open your account in person and still get this offer.

Bonus code will only be applied when you click to apply through the buttons on this page, or by applying in person with the code provided. Apply buttons on other pages will not generate the bonus code to apply the current offer. By providing your email address and phone number, you agree that we may contact you regarding this offer.


Be-Independent

 

*Subject to 1099-INT reporting. Qualifications must be met within 90 calendar days of account opening to receive bonus. 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 March 31, 2024. 1 If eStatements are not selected, a $3/month fee will be assessed for paper statements. 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. ^Recurring direct deposits of $50 or more, 10 debit card transactions/month, or a current and valid student ID is required for free enrollment, otherwise a $2/month fee. Fee is subject to change at any time. Fees may reduce earnings. Subject to standard account opening guidelines. **$50 Deductible applies. Maximum of two (2) claims per 12 month period. Covers up to four (4) phones on a cellular telephone bill. ***Special 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. ****Benefits 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. ^^Opportunity ONE account is certified by the national Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards (2021 - 2022). 2 If eStatements are not selected, a $3/month fee will be assessed for paper statements.