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Personal Checking

Earn Your Swipes—Receive up to 3.00% APY* with the ONE Account.

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Earn up to 3.00% APY* by using your Independent Bank Debit Mastercard.®

 

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The more you swipe, the more you earn

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No fees when enrolled in eStatements

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Tons of customizable extras

Free Features:

*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.

MoneyPass® ATM Network

Need cash on the go? We’ve got you covered!

Independent Bank waives your fees at over 32,000 MoneyPass ATMs nationwide.
Visit moneypass.com or download the MoneyPass app today to find one nearest you. 


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Join the Club!

Enroll and save for free* with the Club Checking Bundle1

Cell Phone Protection2

You can receive up to $400 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your damaged or stolen device. This valuable protection protects you whether you are at home or abroad.+

Mobile Coupons & Discounted Movie Tickets

Take advantage of travel and entertainment discounts year-round and save at thousands of hotels and restaurants, theme parks, and movie theaters, all across the country.

As a member, you have access to car rental discounts and special discounts from local merchants in your hometown. Available online only.

Roadside Assistance Expense Reimbursement2

Breaking down is never fun and the cost of roadside assistance can often be expensive. With Roadside Assistance Expense Reimbursement, you are covered with up to $80/occurrence, maximum of 2 reimbursement claims per year.

Eligible services for your vehicle include:

  • Towing assistance
  • Delivery of fuel, oil, fluid or water
  • Battery service
  • Lock-out assistance
  • Flat tire assistance

*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.

1Benefits 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.

2Special 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 Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit document is given at time of account opening.

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


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CONGRATS, GRADS!
Receive $25 on us.

To commemorate your graduation, we'd like to provide you with a special offer when you open a new ONE Account.

Learn more


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 Zelle® transactions. The account has a $10/month service fee. To open an account, or learn more, please visit a local banking office location.

*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).


For a complete list of fees associated with our new checking accounts, please visit our Retail Fee Schedule. For upcoming changes, please refer to this Retail Fee Schedule, effective, January 30, 2020.

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

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Easily switch your direct deposits and automated payments to your new account today!

Get started today!

Free Change It Up savings program

Any personal checking account with a debit card attached++ allows you to start saving 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

++If an enrolled checking account has multiple debit cards, all qualifying transactions from those cards will initiate transfers to the receiving account.
+++The receiving account could be an Independent Bank savings account, child's or grandchild's savings account, a Holiday Savers account, or even a non-profit account.
^^Qualifying debit card transactions include both signature and PIN-based transactions, including online purchases and automatic or recurring bill payments paid with your Independent Bank debit card. ATM transactions do not qualify.

Transit Routing Number

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

Overdraft Privilege & Overdraft Protection

Designed to protect your checking account from unexpected overdrafts.

Order Personal Checks

Independent Bank partners with Harland Clarke to offer you the highest quality checking products. For your protection, Independent Bank must place first time orders and orders with name and/or address changes. If you have questions, please call us toll free at 800.355.0641. Representatives are available Monday-Friday from 8 am-8 pm and Saturday-Sunday from 8 am-6 pm (ET).

Order Now

Frequently Asked Questions

How do I balance my checking account?

To get started, use the Balance Your Account form.

To get started, use the Balance Your Account form.

Why is my ATM balance different than my actual balance?

It may not reflect deposits or checks that have not cleared. To see an accurate balance, be sure to keep a check register, go to the branch, or visit online banking.

It may not reflect deposits or checks that have not cleared. To see an accurate balance, be sure to keep a check register, go to the branch, or visit online banking.

How is my personal information used?
Federal law requires all financial institutions to obtain, verify, and record information that ...
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Your information is securely stored on your account and customer records when your new account is opened.
How can I change my personal information?
If your personal information is already on file with Independent Bank, you can make changes through ...
If your personal information is already on file with Independent Bank, you can make changes through online banking to your address, phone number, or email address. Just log into your account and select the "Customer Service" tab. You can also visit any Independent Bank location. Please note some changes may require you to present documentation at your local branch.
How do I endorse my check for SnapCheck Mobile Deposit?
You should sign your check with your name or business name and “For Mobile Deposit Only at Independent Bank.”
You should sign your check with your name or business name and “For Mobile Deposit Only at Independent Bank.”
How can I make a deposit into my son's or daughter's account at college?
We know that banking for college students involves transactions both on campus and at home. That’s ...
We know that banking for college students involves transactions both on campus and at home. That’s why we make it easy to add money to your Independent Bank checking account through Independent Bank offices statewide, by mail or through wire transfers.
How can I speed up my application to open an account?
If you already have an account with us, we will automatically fill out parts of your application ...
If you already have an account with us, we will automatically fill out parts of your application using information you provided when you opened your other account. This could be information from your ATM or debit card, a deposit account (excluding CD accounts), or a loan account.
What is Independent Mobile?
Independent Mobile gives you access to your accounts from our mobile banking app, Independent ...
Independent Mobile gives you access to your accounts from our mobile banking app, Independent Mobile, on your smartphone or tablet. You can view account balances, pay bills to existing payees, search recent account activity, transfer funds, use SnapCheck mobile deposit, and find ATM or branch locations.
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Our Services

Independent Bank offers services for all of your banking needs.

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