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Free Checking

Are you looking for an account that is convenient and free?

Independent Bank is one of the only financial institutions in Michigan that still offers a FREE Checking Account!

You will get to enjoy all of the benefits of banking, without the monthly account maintenance fees or requirements.

Our FREE Checking account is loaded with many money-saving features, and with no minimum balance requirements, this means you can bank when, where, and how you want.

  • Enjoy FREE Online and Mobile Banking so you can stay up to date on your account even when you are on the go.
  • With FREE Bill Pay, you can pay bills online and set up recurring payments, so it is one less thing you have to worry about each month.
  • Have a check to deposit? No need to run to the bank! With SnapCheck Mobile Deposit, you can deposit your check right from your smartphone, just by taking a picture of the front and back of your check—it's a snap!
  • Need to pay your friend back for lunch or your babysitter for Saturday night? No problem, with Zelle® you can send money from the convenience of your mobile phone! All you need is the name and email address or U.S. mobile phone number of the person you would like to pay, along with the amount and the account it will be coming from.
  • Finally, you will also receive a FREE chip-enabled debit Mastercard® to make purchases easier and safer than carrying cash.

Other features include:

  • FREE account alerts to manage your account and debit card – Do you want to know when your balance falls below a certain dollar amount or when that check you wrote to the school finally clears? Enroll in FREE account alerts so you're in-the-know no matter where you go! Plus, we also offer FREE Mastercard Identity Theft Alerts so your account is never left unmonitored. You will receive an alert if your personal information is used and if you could be a potential victim of identity theft.
  • FREE telephone bankingLooking to check your balance or see if your latest transactions have cleared? We offer FREE 24/7 telephone banking services at 888.300.3193, so you can call to check on your account whenever it is convenient for you.
  • FREE teller transactionsNeed to stop by your local banking office to make a deposit or pick up a cashier's check? We'd love to see you! You don't have to worry about completing all of your banking transactions electronically to avoid a fee. If you prefer to do your banking in-person, you will not be penalized for doing so.
  • FREE eStatements or paper statements Regardless of whether you prefer to go paperless and opt for our FREE eStatement service to view your account statements, or you prefer to receive a hardcopy in the mail every month, your account statements are completely FREE. Plus, with account eStatements, you have the capability to review your statements on a rolling 13-month period without having to keep an actual paper trail. More convenient and less clutter!
  • No per check charge and unlimited check writingStill find yourself writing checks? No problem! We don't charge you for writing checks, and you have unlimited check writing capabilities without worrying about pesky check fees.
**An Independent Bank account and online banking are required for mobile banking.
**Independent Bank SnapCheck is subject to eligibility and deposits are not immediately available.
$50 minimum deposit is required for all accounts at account opening.