Fuel Your Next Adventure

Receive a 0.25% Discount

To receive your 0.25% loan rate discount, open a ONE Account checking before closing your loan—and be sure to set up automatic payments from it.

It’s one simple step that puts more money toward the road, the water, or wherever you’re headed next.

Open an Account

Why Choose the ONE Account for Your Checking Account?

Earn up to 5.00% APY***

You could earn up to $500 a year when you swipe your Independent Bank Debit Mastercard.^®^**

No Fees

No monthly maintenance fee when enrolled in eStatements.¹

Free Debit Card

A free Debit Mastercard^® for easy spending and nationwide ATM access.

Checking + Savings in ONE

Spend and save with confidence, all in a single, powerful account.

ONE Account FAQs

Answers to common questions about the ONE Account.

How can I waive the monthly maintenance fee?

Enroll in eStatements. You can enroll in eStatements by logging into ONE Wallet digital banking and selecting eServices, and then Documents.

Does the ONE Account earn interest?

Yes, the ONE Account features tiered interest rates, allowing you to earn more as you swipe your Debit Mastercard.

Can I access the ONE Account online?

Absolutely. The ONE Account includes free digital banking for convenient management.

Is there a limit to the number of withdrawals I can make?

No, the ONE Account allows unlimited withdrawals to give you flexibility when managing your money.

Is this account insured by the FDIC?

Yes, this account is FDIC insured — for details on what types of accounts and balances are covered, please visit fdic.gov.
Calculate your specific limits at: edie.fdic.gov.

Number of Transactions	Rate	APY	Effective Date
{name='number_of_transactions', label=Number of Transactions, type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 0-10	{name='rate', label=Rate, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 0.01%	{name='apy', label=APY, type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 0.01%	{name='effective_date', label=Effective Date, type=DATE, id=6, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} February 18, 2026
{name='number_of_transactions', label=Number of Transactions, type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 11-20	{name='rate', label=Rate, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 0.25%	{name='apy', label=APY, type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 0.25%	{name='effective_date', label=Effective Date, type=DATE, id=6, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} February 18, 2026
{name='number_of_transactions', label=Number of Transactions, type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 21-30	{name='rate', label=Rate, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 0.75%	{name='apy', label=APY, type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 0.75%	{name='effective_date', label=Effective Date, type=DATE, id=6, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} February 18, 2026
{name='number_of_transactions', label=Number of Transactions, type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 31-45	{name='rate', label=Rate, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 1.50%	{name='apy', label=APY, type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 1.51%	{name='effective_date', label=Effective Date, type=DATE, id=6, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} February 18, 2026
{name='number_of_transactions', label=Number of Transactions, type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 46+	{name='rate', label=Rate, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 4.89%	{name='apy', label=APY, type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} 5.00%	{name='effective_date', label=Effective Date, type=DATE, id=6, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} February 18, 2026
{name='number_of_transactions', label=Number of Transactions, type=TEXT, id=2, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} Balances over $10,000 will earn 0.10%	{name='rate', label=Rate, type=TEXT, id=3, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} N/A	{name='apy', label=APY, type=TEXT, id=4, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} N/A	{name='effective_date', label=Effective Date, type=DATE, id=6, deleted=false, options=[], maxNumberOfOptions=2147483647, maxNumberOfCharacters=2147483647, inlineHelpText=null, foreignTableId=0, foreignColumnId=0, foreignTableName=null, foreignColumnName=null, foreignColumnType=null, width=null, isHubspotDefined=false, fileType=null, isArray=false, codeType=OTHER, arrayCountLimits=nulldisplayType=null, hiddenForPublicApi=false} February 18, 2026

*Offer begins January 1, 2026 and is valid through March 31, 2027, and may be extended, modified, or discontinued at any time. Subject to 1099-INT reporting. To receive the $350 bonus, you must open a new ONE or Opportunity ONE Account and receive direct deposits totaling $500 or more within 90 calendar days of account opening. Limit one bonus per customer. Account must be in good standing to receive the bonus. Bonus will be paid out within 90 calendar days within meeting the requirements. Offer valid for new checking account customers only. Subject to standard account opening guidelines.

** 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.

***Annual Percentage Yield (APY). Rate based on monthly volume of debit card swipes. Rate subject to change without notice.

1 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.

^The total number of swipes is counted for each statement cycle.