Checking | Independent Bank

ONE Account

Earn up to 5.00% APY¹

No monthly service fees with eStatements²
Free ONE Wallet digital banking
No minimum balance required
32,000+ fee-free MoneyPass^® ATMs nationwide
Several overdraft service options
Get up to $500 annually when you use your debit card³

Learn More

Bank On Certified**

Opportunity ONE

No Overdraft Fees

No monthly service fees with eStatements²
Free ONE Wallet digital banking
No minimum balance required
32,000+ fee-free MoneyPass^® ATMs nationwide

Learn More

Personal Checking FAQs

Answers to your Common Questions about Checking Accounts.

What do I need to open a checking account?

You’ll need a valid ID, Social Security Number/Tax Payer ID, proof of address, and an initial deposit if required. New deposit account applications are subject to management review and may be approved or declined at the Bank’s discretion.

Are there any fees for checking accounts?

Both accounts have no monthly fees* when enrolled in eStatements. If eStatements are not selected, a $3/month fee will be assessed for paper statements. Fees may reduce earnings.

Can I access my account online?

Yes, all personal checking accounts include free ONE Wallet digital banking.

What security features are included?

Accounts come with fraud monitoring, encryption, and multi-factor authentication for added protection.

1 Annual Percentage Yield (APY). Rate based on monthly volume of debit card swipes. Rate subject to change without notice.
2 If eStatements are not selected, a $3/month fee will be assessed for paper statements. Fee may reduce earnings.
3 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.
$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.
* 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.