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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.

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Independent Bank Can Help You #GetBanked

At Independent Bank, our goal is to make banking easy and convenient for you. Whether you prefer to bank on the go, or to visit your local branch, we offer the solutions to help you Be Independent.

Open a ONE Account Now!

Looking for a fresh start?

Independent Bank’s Opportunity Checking is a great option for customers who would like to rebuild or reestablish a positive checking account history with a financial institution.*


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Put a little extra cash in your wallet with the ONE Account.

Earn up to 3.00% APY** just by using your debit card for the purchases you make every day. Plus, the account is FREE with eStatements!^

You can also take advantage of our free Club Checking Bundle+, including cell phone protection1, Roadside Assistance Expense Reimbursement2, mobile coupons, and more3!


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Enjoy these products and services

Access your paychecks and tax refunds sooner with free direct deposit.

Bank on the go with ONE Wallet Online & Mobile Banking:

  • Deposit checks with Mobile Deposit

  • Use Zelle®️ to send money to people you know and trust

  • Quickly Transfer funds

  • Easily pay your bills with Bill Pay


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Access free ATMs

Access over 32,000 MoneyPass®️ ATMs and Independent Bank will waive your fees.

 

Plus, stay on top of your finances with Overdraft Protection options and free banking alerts!
 


Start saving with our Change It Up Program, and all purchases made with your debit card will be rounded up to the nearest dollar and deposited into your savings account.

Open a ONE Account Now!

Prefer an in-branch experience?

Visit one of our local offices at Brighton, Beverly Hills, Farmington Hills, Livonia, Shelby Township, or Troy!


*If customer currently has a charged-off Independent Bank account, arrangements must be made and kept up to date to maintain Opportunity Checking. Failure to comply with the arrangement agreement will result in closure of the account.

 

**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. 

 

^If eStatements are not selected, a $2/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.

 

+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.

 

1$50 Deductible applies. Maximum of two (2) claims per year. Covers up to four (4) phones on a cellular telephone bill.

 

2Benefits 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.

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.