Free Checking

Select Checking

Premier Checking

No Minimum Balance

Checkmark
Checkmark

Free Debit Card

Checkmark
Checkmark
Checkmark

Free Online Banking

Checkmark
Checkmark
Checkmark

Free Bill Pay

Checkmark
Checkmark
Checkmark

Free Mobile Banking

Checkmark
Checkmark
Checkmark

Free PeoplePay

Checkmark
Checkmark
Checkmark

Free SnapCheck

Checkmark
Checkmark
Checkmark

Earns Interest

Checkmark
Checkmark

Free Checks at Account Opening

Checkmark
Checkmark

Discounted Check Reorders

Checkmark

Free Overdraft Transfers

Checkmark

Free (4) Foreign ATM Transactions*

Checkmark

Service Fee

None

None

$15

Additional Options

2 Free Overdraft
Transfers or 2 Free
Foreign ATM Transactions** Per Month

Requirements

None

Direct Deposit and EStatement

The Premier Checking account can only be opened at a branch. Please visit a branch near you to open an account.

How To Avoid Fees

Minimum $5,000 Combined Balances or $25,000 or More with IFIS

Open an Account Now 

Open an Account Now 

Opportunity Checking

Opportunity Checking is a great option for customers who are looking to rebuild or reestablish a positive checking account history*** with a financial institution. This account offers a fresh start for those who may not meet the requirements of our other checking account products+. Plus, if the account remains in good standing for at least 12 months, or receives at least 6 direct deposits over $50 each, the account may be eligible to be moved into a traditional checking account product. Customer receives a free debit card^, free online/mobile banking, free SnapCheck Mobile Deposit, and free PeoplePay transactions. The account has a $10/month service fee. To open an account, or learn more, please visit a local banking office location.

For a complete list of fees associated with our new checking accounts, please visit our Retail Fee Schedule.

Click here to review a complete list of account disclosures and terms and conditions regarding opening an account online.

Free Change It Up savings program

Any personal checking account with a debit card attached++ allows you to start by transferring money to a qualifying account^ with every swipe^^ of your card. It's an easy way to save, and it's easy to sign up at any location or through our secure online banking email. 

  • Choose accounts to transfer to and from. The designated sending account must be a personal checking account and the receiving account can be any Independent Bank savings or checking account – it could be yours, your grandchild's, or even a non-profit's.

  • Choose an amount to transfer with each swipe – $.25, $.50, $1, or $2 – watch the savings add up!

Terms & Conditions

Free Independent Bank debit card

Your Independent Bank debit card is your source for cash. It allows you to make deposits at your convenience at any Independent Bank ATM and withdrawals from any participating national ATM network. .           

It’s easy to switch to Independent Bank!

Click here for information on how easy and straightforward it is to switch from another bank to us, and check out our Switch Kit forms with simple instruction on how to switch.

Transit routing number

Independent Bank’s transit routing number is 072402652. Use this number to set up your drafts, direct deposits, and outside transfers.

How do I balance my checking account?

To get started, use the Balance Your Account form.

 *Independent Bank foreign ATM fee waived and $2 of ATM owner fee refunded.
**Independent Bank foreign ATM fee waived.
***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.
+Any collection must first be paid in full, if applicable. Proof of payment is required.
^Extended coverage is not available on the debit card, and Overdraft Privilege is not offered on Opportunity Checking. The debit card attached to Opportunity Checking will allow PIN based transactions only. Please note, this supersedes the information found in the Electronic Funds Transfer Agreement and Disclosure referring to debit card transactions. Any items resulting in an overdraft will be returned unpaid, and a fee will be applied to the account due to non-sufficient funds (NSF).
Other fees and restrictions may apply.