Free Checking

Select Checking

Premier Checking

No Minimum Balance

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Free Bill Pay

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Earns Interest

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Free Checks at Account Opening

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Discounted Check Reorders

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Free Overdraft Transfers1

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Free (4) Foreign ATM Transactions2

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Service Fee

None

None

$15^

Additional Options

2 Free Overdraft
Transfers or 4 Free
Foreign ATM Transactions Per Month3

Requirements

None

Direct Deposit and EStatement4

How To Avoid Fees

^Minimum $5,000 Combined Balances or $25,000 or More with IB Wealth Management

Open an Account Now 

Open an Account Now 

Open an Account Now 


Select Plus Checking for Mortgage Customers

We offer Select Plus Checking for our mortgage customers,5 so they can bank when they want and where they want. Enjoy all of the benefits of Select Checking, plus up to four (4) free foreign ATM transactions per month.2 Plus, with at least $100 in monthly direct deposits and account eStatements, the account has no minimum balance or service fees. This is an interest-bearing account with free online banking, bill pay, mobile banking, PeoplePay (person-to-person payments) and SnapCheck mobile deposit. Plus, customers will receive free checks at account opening.

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.

1Overdraft transfers funding Premier Checking account.
2ATM fees charged at time of service and refunded at end of statement cycle. $2 Independent Bank foreign ATM fee refunded and up to $3 of ATM owner fee refunded. Maximum refund of $20 per statement cycle.

3ATM or transfer fees charged at time of service and refunded at end of statement cycle. $2 Independent Bank foreign ATM fee refunded or $7 Independent Bank transfer fee refunded. Overdraft transfers funding Select Checking account.
4If account requirements are not met, selected option will be subject to standard fees.
5Customers must have an existing mortgage or a mortgage in process to qualify. If Select Plus Checking account is opened online, the customer must have an existing mortgage or close on a new mortgage within 60 calendar days of account opening, or the account will be converted to a Free Checking account.

*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).

++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.

$50 minimum deposit is required for all accounts at account opening.
Other fees and restrictions may apply.