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Personal Checking Accounts

At Independent Bank, we believe options are standard. That’s why we designed our accounts so you can pick the services you need.

Which Account is Right for Me?

Free Checking

Select Checking

Premier Checking

No Minimum Balance

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Free Debit Card

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Free Online Banking

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Free Bill Pay

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Free Mobile Banking

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Free Zelle®

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Free SnapCheck

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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
 

Free Checking

No Minimum Balance -
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Free Bill Pay -
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Earns Interest -
Free Checks at Account Opening -
Discounted Check Reorders -
Free Overdraft Transfers1 -
Free (4) Foreign ATM Transactions2 -
Service Fee -
NONE
Additional Options -
Requirements -
NONE
How To Avoid Fees -

Select 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 -
Free Overdraft Transfers1 -
Free (4) Foreign ATM Transactions2 -
Service Fee -
NONE
Additional Options -
2 Free Overdraft Transfers or 
4 Free Foreign ATM Transactions per Month3
Requirements -
Direct Deposit and eStatement4
How To Avoid Fees -

Premier Checking

No Minimum Balance -
Checkmark
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 -
$15^
Additional Options -
Requirements -
How To Avoid Fees -
^Minimum $5,000 Combined Balances or $25,000 or more with IB Wealth Management
 

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, in addition 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, Zelle® (a great way to send and receive money) 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 Zelle® 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 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

Campus Banking at CMU & SVSU

Consider switching to Independent Bank for your banking needs, with convenient locations both on and off the campuses of Central Michigan University and Saginaw Valley State University.

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.

 

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.

$10 minimum deposit is required for all accounts at account opening.
Other fees and restrictions may apply.

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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